Germania vs. Texas Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Texas Farm Bureau offers slightly more affordable prices than Germania
• Germania offers more affordable rates for single people who will be the only person on the auto insurance policy
• Texas Farm Bureau offers less expensive average premiums for drivers who have a speeding ticket on their driving record

Germania or Texas Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Germania or Texas Farm Bureau as your top options, but between the two, which company will save you the most?

Looking at the national average rates for both carriers, Germania is around $3 more a month than Texas Farm Bureau.

However, that doesn't necessarily mean Texas Farm Bureau will be the cheaper option for every driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things), so prices could vary drastically from person to person.

So, if you want to find out which of Germania or Texas Farm Bureau is really the best for you, keep reading to see average rates for each carrier broken down by several different rate factors.

Germania vs. Texas Farm Bureau: Average Car Insurance Rates by State

Both Germania and Texas Farm Bureau only offer car insurance in Texas, so you'll see that the average figures here will mirror the ones we mentioned above. Texas Farm Bureau drivers tend to pay about $3 per month less on average compared to drivers who use Germania for their insurance.

Typically, the state you live in will play a huge role in how much you pay for car insurance, but since both companies only do business in Texas, a whole range of other variables will come into play when you compare Germania and Texas Farm Bureau. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. That's normally because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Texas Farm Bureau for their car insurance pay 15% less than those who use Germania.

Even so, with both carriers, you'll see your rates reduce significantly once you turn 25. Texas Farm Bureau offers the steepest reduction, with 25-year-olds paying a third less what 18-year-old drivers are charged. That being said, Germania still has the most affordable premiums at $137 a month.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates out there.

When looking at Germania and Texas Farm Bureau specifically, which company is best for retired drivers? Texas Farm Bureau gets the slight edge, with prices for drivers 65 and older $6 more affordable than the national average for Germania.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be less expensive for married policyholders than they are for single drivers. That's generally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

When it comes to relationship status, Germania is the winner for single policyholders, with rates about 1% a month cheaper than Texas Farm Bureau, on average.

Germania or Texas Farm Bureau: Average Rates by Gender

Because women are less likely to get tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, insurance companies will often charge women less than men.

On average, men see prices almost 10% per month higher with Germania, but with Texas Farm Bureau, the difference is closer to 11% a month.

When it comes to the most affordable premiums for each gender, Texas Farm Bureau is the cheapest carrier for women. Rates with Texas Farm Bureau are $5 cheaper for women, while with Germania, men can save around $5.

Germania vs. Texas Farm Bureau: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Car insurance can be a complicated subject for most people. There are a bunch of different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability insurance, Texas Farm Bureau has the slight edge, with average monthly rates coming in at $87. If you want a full coverage policy with the same state minimum limits, Texas Farm Bureau again has the edge, with policies averaging about $192 per month to Germania's $194.

Is Germania or Texas Farm Bureau Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and collisions lead to higher prices, but which company -- Germania or Texas Farm Bureau -- has the lowest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Germania auto insurance policies don't report seeing their rates increase after getting a ticket, but Texas Farm Bureau policyholders can expect to see their monthly bill increase by around 0%.

But Texas Farm Bureau is usually the less expensive option for both drivers who have clean records and those with a recent speeding ticket, offering prices that are 30% and 30% cheaper, respectively, compared to Germania Insurance.

Which Company is Best for Drivers After an Accident?

Germania drivers who get in a collision can expect to see their premiums rise by $30, while those who have insurance through Texas Farm Bureau will see about a $45 increase.

At the end of the day, Texas Farm Bureau offers the most affordable rates for drivers with an at-fault collision on their records, with average prices coming in at $114 compared to Germania Insurance's $132.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. Texas Farm Bureau drivers usually see a 76% climb in their insurance premiums after a DUI charge, while Germania will normally increase prices by around 56%.

But if you end up with a DUI charge and are looking for more affordable rates, Germania tends to be more affordable for the average driver, with monthly premiums coming in at about $233 to Texas Farm Bureau's $300.

How does Credit Score Impact Germania and Texas Farm Bureau Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly auto insurance premiums. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for several policyholders.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which carrier offers the lowest prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Texas Farm Bureau will generally reward you the most. For drivers with "excellent" credit scores, Texas Farm Bureau comes in more than 25.61 cheaper. Drivers with "good" credit scores usually save around 10% with Texas Farm Bureau compared to average premiums from Germania.

Which Company is Best for Drivers with Bad Credit?

Germania typically offers lower rates than Texas Farm Bureau when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 1% a month less with Germania compared to Texas Farm Bureau, and those with "poor" scores typically save an average of around 9% monthly.

Is Germania or Texas Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly premiums. Generally, those who drive less will end up with less expensive prices since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Germania or Texas Farm Bureau report increasing rates for drivers with higher annual mileage figures. Texas Farm Bureau comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $139 per month for both.

Germania or Texas Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a big impact on your monthly insurance bill. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Looking at these carriers side-by-side, Texas Farm Bureau tends to offer the lowest option for drivers in rural and suburban areas, while Germania wins in urban areas.

In urban areas, Germania's average prices are about $149 a month compared to Texas Farm Bureau's $158. People in suburban areas pay around $128 with Texas Farm Bureau compared to Germania's $143 per month. Those in rural areas can expect to pay about $132 monthly with Texas Farm Bureau compared to Germania's $134.

Germania vs. Texas Farm Bureau Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Germania and Texas Farm Bureau so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Germania knocks Texas Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 12 more discounts than Texas Farm Bureau.

There are a couple discounts both companies offer, but Germania also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Texas Farm Bureau has a few proprietary discounts of their own like good driving discounts and multi-car discounts.

Final Thoughts: Is Germania or Texas Farm Bureau Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance carrier is the best one for you and your specific driver profile?

Texas Farm Bureau might be best for you if....

• You have an at-fault collision on your record.
• You're looking for the best rates on liability only coverage.
• You want to save money while purchasing auto insurance for a teenager.

Germania might be best for you if...

• Your driving record includes a DUI charge.
• You're looking for the company with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Germania and Texas Farm Bureau. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Germania and Texas Farm Bureau. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Germania vs. Texas Farm Bureau FAQs

Is Germania or Texas Farm Bureau cheaper?

Texas Farm Bureau is the more affordable of the two companies when looking at national average prices, with policies averaging $139 per month with Texas Farm Bureau and $142 for Germania. That being said, that doesn't mean Texas Farm Bureau will be the most affordable carrier for everyone, since there are a range of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Germania or Texas Farm Bureau?

Unfortunately, the answer truly is "it depends.". No single company is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Germania is cheaper for drivers who have less-than-stellar credit scores, while Texas Farm Bureau offers less expensive rates for policyholders with an at-fault accident on their record.

Why do Germania and Texas Farm Bureau offer me different rates?

Auto insurance carriers use a lot of different variables when determining the premiums they charge. Factors like age, where you call home, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both Germania and Texas Farm Bureau calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Germania or Texas Farm Bureau is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Germania or Texas Farm Bureau at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.