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

Quick Facts

• In general, Texas Farm Bureau offers significantly cheaper prices than National General
• National General offers more affordable premiums for drivers with a DUI charge on their record
• Texas Farm Bureau has more affordable prices for residents of urban areas

National General vs. Texas Farm Bureau: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering considerable discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to National General or Texas Farm Bureau as potential options, but between the two, which one will offer you less expensive premiums?

Looking at nationwide averages, Texas Farm Bureau is quite a bit cheaper than National General, with rates averaging $139 per month compared to $249 with National General.

But that doesn't necessarily mean Texas Farm Bureau will be the more affordable option for every single driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, your age, or even where you call home (among other things). So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

Wanting to know if National General or Texas Farm Bureau is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

National General or Texas Farm Bureau: Average Car Insurance Rates by State

Both National General and Texas Farm Bureau only offer insurance in Texas, so you'll see that the average figures here will mirror the ones we mentioned above. For Texas residents, Texas Farm Bureau offers auto insurance for $139 a month on average. National General's average premiums come out to be over 70% more expensive, at $249 per month.

Typically, where you call home will play a hefty role in how much you pay for car insurance, but since both companies only do business in Texas, several other factors will come into play when you compare National General and Texas Farm Bureau. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. Just look at the table above -- where 18-year-old drivers who have Texas Farm Bureau for their car insurance pay more than $350 less than those who use National General.

That being said, with both carriers, you'll see your premiums reduce significantly by the time drivers turn 25. For example, average rates for National General policyholders lower over 65% and Texas Farm Bureau's prices decrease nearly 40% over that time.

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 most affordable rates you'll ever find.

But who has the best premiums for retired drivers between National General and Texas Farm Bureau? Texas Farm Bureau gets the edge here, with average prices coming in at about $102 monthly compared to National General's $179.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive car insurance premiums than single policyholders. This usually boils down to married couples having multiple cars on their policy -- something many auto insurance companies will reward with discounts.

When it comes to relationship status, Texas Farm Bureau is the clear winner for those who are single, with rates around $134 a month cheaper than National General, on average. The advantage for married drivers with Texas Farm Bureau is also obvious, where drivers save more than $75 per month.

National General vs. Texas Farm Bureau: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll normally end up paying more for car insurance than women.

Usually, men see prices about 6% a month higher with National General, and over 10% with Texas Farm Bureau.

Looking at overall affordability, Texas Farm Bureau offers the lowest average premiums for both men and women. On average, women save about $110 per month and men save around $109 with Texas Farm Bureau compared to the average National General policyholder.

National General or 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.

It's no secret that auto insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, Texas Farm Bureau typically offers significantly more affordable rates of $87 compared to National General's $151. When it comes to full coverage policies with similar limits, Texas Farm Bureau again has the edge, with policies about $150 a month cheaper than National General, on average.

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

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and collisions on your record, but which of these two carriers offers the cheapest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Texas Farm Bureau auto insurance policies don't report seeing their rates increase after getting a ticket, but National General policyholders can expect to see their monthly bill increase by around 10%.

But Texas Farm Bureau is generally the less expensive option for both drivers who have a recent ticket and those with clean records, offering premiums that are 56% and 61% cheaper, respectively, compared to National General Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with National General climbing by over $300. Texas Farm Bureau has a less extreme raise, but you can still expect to pay just under $45 more than you were prior to your first collision.

Overall, the more affordable premiums come from Texas Farm Bureau, with monthly prices averaging $114 compared to National General Insurance's $472.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. On average, Texas Farm Bureau will increase your premiums about 76% after a DUI, while National General's average prices increase by over 10%.

If you have a DUI on your record and are looking for more affordable rates, National General tends to be the much less expensive option with average premiums of $183 per month compared to $300 from Texas Farm Bureau.

How does Credit Score Impact National General and Texas Farm Bureau Rates?

Did you know that many insurance carriers take your credit score into account when calculating rates? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it might come into play for lots of policyholders.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Texas Farm Bureau and National General, which company has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Texas Farm Bureau. Policyholders with "excellent" credit can save just under 70% compared to National General, and those with "good" scores can also expect to see savings -- around $115 or 52% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Texas Farm Bureau typically offers lower rates than National General when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $115 per month less with Texas Farm Bureau compared to National General, and those with "poor" scores typically save an average of around $68 a month.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly premiums. That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

In this case, neither National General or Texas Farm Bureau report increasing prices for drivers with higher annual mileage figures. Even so, Texas Farm Bureau comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average rates of $139 a month for both.

National General vs. Texas Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a large impact as well. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer vehicles on the road in those areas, which lowers the chances of an accident.

When comparing these two carriers side-by-side, Texas Farm Bureau usually comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in rural ZIP codes, Texas Farm Bureau offers prices about $132 monthly compared to National General's $244. People who live in urban ZIP codes can expect to pay around $158 per month for Texas Farm Bureau and $262 for National General. Lastly, those in suburban areas tend to get the lowest premiums from both companies, with average monthly prices coming in at $128 and $241 for Texas Farm Bureau and National General respectively.

National General vs. Texas Farm Bureau Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

The hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Below, we've taken a look at all of the different discounts National General and Texas Farm Bureau offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Overall, National General has a slight advantage when it comes to total number of discounts. Texas Farm Bureau offers a grand total of six discounts, while National General has eight.

A couple of those are overlapping for things like discounts for getting driver training and passive restraint discounts. National General also offers advance quote discounts, anti-theft discounts, defensive driver discounts, and more that Texas Farm Bureau does not.

On the flip side, Texas Farm Bureau has a couple unique discounts of its own -- academic discounts, discounts for being a good driver, discounts for insuring multiple cars with the same company, and more.

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

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. But, at the end of the day, which insurance company is the best company for you and your specific needs?

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

• You have a clean driving record, free of accidents, tickets, or DUIs.
• Your home is in a busy urban area.
• You are over 65 years old and want to save some money on your auto insurance.

National General might be best for you if...

• You have a DUI charge on your record.
• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare National General and Texas Farm Bureau and that it aids in making a more informed decision about 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 National General and Texas Farm Bureau. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

National General vs. Texas Farm Bureau FAQs

Is National General or Texas Farm Bureau cheaper?

Looking just at the national average premiums, Texas Farm Bureau is the less expensive of the two companies, offering average rates of $139 a month compared to $249 for National General. However, Texas Farm Bureau won't necessarily be the cheapest carrier for each policyholder, since there are a variety of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, National General or Texas Farm Bureau?

Sadly, the real answer is "it depends.". Neither company is "better" for every driver -- it all boils down to your unique auto insurance profile. For example, National General offers more affordable rates for drivers with a recent DUI, while Texas Farm Bureau is less expensive for drivers with excellent credit.

Why do National General and Texas Farm Bureau offer me different rates?

Insurance carriers take a look at quite a few different factors when determining the prices they charge policyholders. Things such as age, your driving record, gender, where you live, and sometimes even things like your credit score can all be used. Both National General and Texas Farm Bureau calculate rates using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be National General or Texas Farm Bureau at all!

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.