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Texas Farm Bureau Auto Insurance

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Texas Farm Bureau Auto Insurance

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Highlights
Financial Strength Rating A-

Texas Farm Bureau Auto Insurance Review

Texas Farm Bureau Insurance is a car insurance carrier based in Waco, TX. The insurance company was founded in 1952 and offers car insurance in 1 state in the USA.

If you're considering whether Farm Bureau auto insurance is a good option for you, read on.

Farm Bureau auto insurance Pros & Cons
Pros Cons
  • 24/7 Phone availability
  • Locally available agents
  • Digital claims reporting
  • No free policy cancellation
  • No accident forgiveness
  • Does not offer emergency roadside assistance
  • No rental car coverage
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
  • Does not offer many vehicle equipment discounts
Farm Bureau auto insurance FAQ

What types of car insurance coverage options does Farm Bureau auto insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. Farm Bureau auto insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Does Farm Bureau auto insurance have roadside assistance?

No, Texas Farm Bureau Insurance does not have roadside assistace.

Does Farm Bureau auto insurance offer ridesharing insurance?

No, Farm Bureau auto insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does Farm Bureau auto insurance offer?

Farm Bureau auto insurance offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.
  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
  • Digital Claims Reporting: Never fax or mail a document again.

What insurance discounts does Farm Bureau auto insurance offer?

When you ask for an insurance quote with Farm Bureau auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
  • Internal Safety Features: Farm Bureau auto insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.

Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Farm Bureau auto insurance.

How does Texas Farm Bureau Insurance calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and Texas Farm Bureau Insurance is no exception. However, you can be confident that Farm Bureau auto insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does Farm Bureau auto insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Farm Bureau auto insurance insurance quote

  • Visit the Texas Farm Bureau Insurance website.
  • Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Policy Discounts
  • Claims Free
  • Good Student
  • Multiple Policy
  • Multiple Vehicles
Vehicle and Equipment Discounts
  • Anti-Theft Devices
  • Internal Safety Features (Air Bags / Seat Belts)
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Financial Strength Rating A-
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Digital Claims Reporting

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