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

Quick Facts

• Looking at the national averages for auto insurance, Texas Farm Bureau offers significantly more affordable rates than State Auto
• State Auto may help you save more money -- they offer more discounts than Texas Farm Bureau Insurance
• Texas Farm Bureau tends to be a much cheaper option for policyholders whose driving record contains an at-fault collision

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might have narrowed it down to State Auto or Texas Farm Bureau for your next policy, but between the two, which company will save you the most?

Looking at nationwide averages, State Auto is quite a bit more expensive than Texas Farm Bureau, with prices averaging $259 a month compared to just $139 with Texas Farm Bureau.

However, Texas Farm Bureau may not be the lowest or best option for each driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things), so premiums could vary drastically from person to person.

So, if you want to find out which of State Auto or Texas Farm Bureau is really the best for you, keep reading to see average prices for each company broken down by multiple different rate factors.

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

State Auto and Texas Farm Bureau only compete against each other in Texas, where Texas Farm Bureau offers the cheaper average rates. Texas Farm Bureau drivers tend to pay about $154 per month less on average compared to drivers who use State Auto for their auto insurance.

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how insurance companies determine your prices. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any group on the road. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Texas Farm Bureau for their insurance pay almost 70% less than those who use State Auto.

Even so, with both carriers, you'll see your rates decrease significantly by the time you turn 25. For example, average premiums for State Auto policyholders reduce nearly 75% and Texas Farm Bureau's rates drop almost 40% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance premiums out there. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise prices.

When looking at State Auto and Texas Farm Bureau specifically, which carrier is best for retired drivers? Texas Farm Bureau gets the edge, with premiums for drivers 65 and older $65 less expensive than the national average for State Auto.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more affordable for married couples than they are for those who are single. That's because policies for married drivers typically cover multiple vehicles, which several companies will give you a discount for.

For single drivers, the difference in average prices between these two carriers is significant, with Texas Farm Bureau premiums coming in at around half of State Auto's. The advantage is also clear for married policyholders - Texas Farm Bureau offers the most affordable average rates.

State Auto or Texas Farm Bureau: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, women normally pay less for insurance than men.

Men usually pay about $25 a month more than women with State Auto, and around $17 more with Texas Farm Bureau.

Looking at the data for each company specifically, Texas Farm Bureau offers the lowest average prices for both men and women, with average rates 45% less for men and 47% cheaper for women.

State Auto 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.

Auto insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Texas Farm Bureau has the significant edge, with average monthly premiums 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 State Auto's $369.

Is State Auto 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 car 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 accidents and speeding tickets lead to higher prices, but which carrier -- State Auto or Texas Farm Bureau -- has the cheapest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Texas Farm Bureau insurance policies don't report seeing their rates increase after getting a ticket, but State Auto policyholders can expect to see their monthly bill increase by around 20%.

That being said, Texas Farm Bureau tends to offer the best prices for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save about 58% a month with Texas Farm Bureau Insurance, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

State Auto drivers who get in an accident can expect to see their prices rise by over 35%, while those who have insurance through Texas Farm Bureau will see around a 40% increase.

At the end of the day, drivers who use Texas Farm Bureau end up with the cheaper prices after an accident, with average premiums coming in at $114 compared to State Auto Insurance's $269.

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 speeding ticket when it comes to your auto insurance bill. For example, Texas Farm Bureau increases average rates by nearly $250 per month -- that's more than a 75% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Texas Farm Bureau tends to be less expensive for the average driver, with monthly premiums coming in at about $300 to State Auto's $380.

How does Credit Score Impact State Auto and Texas Farm Bureau Rates?

Often times, your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it might come into play for many policyholders.

Insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with cheaper premiums.

Looking at State Auto and Texas Farm Bureau specifically, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Texas Farm Bureau will typically reward you the most. For drivers with "excellent" credit scores, Texas Farm Bureau comes in nearly 68.56 less expensive. Drivers with "good" credit scores usually save around 53% with Texas Farm Bureau compared to average prices from State Auto.

Which Company is Best for Drivers with Bad Credit?

Texas Farm Bureau typically offers lower premiums than State Auto when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 44% a month less with Texas Farm Bureau compared to State Auto, and those with "poor" scores generally save an average of around 31% per month.

Is State Auto 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 car insurance payment. Typically, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither State Auto 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 premiums of $139 per month for both.

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

Where you park your vehicle can play a big role in how much you pay for insurance. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Texas Farm Bureau boasts the cheapest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $132 a month with Texas Farm Bureau compared to State Auto's $225. Drivers in suburban ZIP codes pay a monthly premium of around $128 with Texas Farm Bureau compared to $236 with State Auto. In urban areas, Texas Farm Bureau's average prices are about $158 a month compared to State Auto's $317.

State Auto vs. Texas Farm Bureau Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both State Auto and Texas Farm Bureau so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

State Auto 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.

Both companies offer quite a few of the same discounts -- like discounts for getting driver training, discounts for insuring multiple cars with the same company, and passive restraint discounts -- but State Auto also offers discounts for ABS, advance quote, advantage program , and more.

On the other hand, Texas Farm Bureau has a proprietary discount of their own -- a academic discounts.

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

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is State Auto or Texas Farm Bureau the right carrier for you and your specific needs?

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

• Your credit is below-average.
• Your home is in a busy urban area.
• You and your spouse are buying insurance together.

State Auto might be best for you if...

• You're looking for discounts -- State Auto has the most.

Hopefully, this guide helps you get a good idea of the differences between State Auto and Texas Farm Bureau. We also hope we've given you the information you need to make the best decision about your auto insurance.

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

State Auto vs. Texas Farm Bureau FAQs

Is State Auto or Texas Farm Bureau cheaper?

Texas Farm Bureau is the more affordable of the two companies when looking at national average rates, with policies averaging $139 per month with Texas Farm Bureau and $259 for State Auto. But that doesn't mean Texas Farm Bureau will be the most affordable carrier for each driver, since there are a range of different factors that come into play when it comes to your auto insurance bill.

Who is better, State Auto or Texas Farm Bureau?

Unfortunately, the answer truly is "it depends.". One company is not "better" for every policyholder -- it all boils down to your unique car insurance profile.

Why do State Auto and Texas Farm Bureau offer me different rates?

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

How do I know if State Auto 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 multiple 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 ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't State Auto 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.