Texas Farm Bureau auto insurance review 2026
Texas-only, membership-required, with an excellent complaint record and a financial strength rating that has been downgraded twice.
- Market share
- Outside NAIC top 25
- AM Best rating
- B++
- Availability
- 1 state — Texas only, and membership is required
A national average is not a quote. Compare Texas Farm Bureau against 50+ insurers on your own ZIP, vehicle, and record.
How Texas Farm Bureau scores
Each category is scored against a published figure, then weighted into the overall score. Where a figure is not published, we say so rather than estimate one.
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Strengths and trade-offs
What Texas Farm Bureau does well
- Far fewer complaints than expected for its size
- Deep local presence and long-standing reputation in Texas
Where it falls short
- AM Best B++ after two downgrades — the lowest financial strength rating in this review
- Texas only
- Farm Bureau membership required before you can buy a policy
- No published average premium, so it cannot be price-compared in advance
The full review
Texas Farm Bureau Insurance writes only in Texas and requires Farm Bureau membership before you can hold a policy. It is one of roughly sixteen state Farm Bureau insurers, which are separate companies sharing a name rather than a single national carrier.
The complaint record is excellent
Texas Farm Bureau draws far fewer complaints than a company its size would be expected to — the strongest band we assign, shared with only a handful of insurers in this review. For a company of its scale, that is a meaningful signal about day-to-day treatment of customers.
AM Best downgraded Texas Farm Bureau from A (Excellent) to A- in April 2024, and subsequently from A- to B++ (Good).
B++ is the lowest financial strength rating of any carrier in this review, and sits below the A- floor that many comparison services use as a minimum for inclusion. Whether it is still B++ as of August 2026 we could not confirm.
Holding both facts at once
It would be easy to write this review as either a local favourite with a great service record or a company whose finances have been marked down twice in two years. Both are accurate. The complaint band describes how you are likely to be treated; the rating describes the assessed capacity to pay when a lot of people claim at once, which in Texas usually means weather. They answer different questions and a Texas driver should weigh both.
Texas Farm Bureau has the complaint record most national carriers would want, and in Texas it has a genuine local following. Set against that, its AM Best rating has been cut twice and now sits at B++ — the lowest here, and below the threshold many buyers treat as a floor. Those two facts point in opposite directions and both are real.
We only publish a composite score when enough of it rests on published figures — at least 70% of the scoring weight, including price. Texas Farm Bureau falls below that: 4 of our six categories have no published figure (price, claims satisfaction, discounts, digital experience). Averaging whatever is left would produce a confident-looking number built mostly on the categories that need no third-party study, and a carrier scored that way can easily outrank one we actually measured. The individual categories above are real; the missing ones are simply missing.
Compare Texas Farm Bureau head-to-head
Every pairing gets its own side-by-side breakdown across the same six categories.
Texas Farm Bureau questions, answered
The things people actually ask before switching.
Texas Farm Bureau by state
Texas Farm Bureau writes in 1 states. If yours is not listed, it is not an option there at any price.
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