Auto Insurance Comparison
Texas Farm Bureau vs National General
Side-by-side comparison of Texas Farm Bureau vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Texas Farm Bureau comes out clearly ahead National General in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Texas Farm Bureau | National General | |
|---|---|---|
| Overall score | 4.05 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Texas Farm Bureau Insurance is widely regarded as one of the cheapest legitimate auto insurance options in Texas for drivers who qualify | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | Texas Farm Bureau review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Texas Farm Bureau | National General |
|---|---|---|
| Customer experience | 4.30 | 3.40 |
| Coverage breadth | 3.80 | 3.70 |
| Affordability | 4.00 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Texas Farm Bureau
Full review →Pros
- Among the cheapest auto rates in Texas for clean-record drivers
- Texas-specific expertise and deep local agent network
- Strong customer satisfaction reputation in-state
- Multi-line bundling with home and life insurance
Cons
- Texas-only — not available in any other state
- Farm Bureau membership required (modest annual fee)
- No online quoting — agent-distributed
National General
Full review →Pros
- Available in all 50 states for non-standard auto
- Strong specialty lines including RV and motorcycle insurance
- Backed by Allstate financial strength
- Accepts SR-22 and high-risk profiles
Cons
- Customer satisfaction trends below industry averages
- Not competitive for standard-risk drivers
- Coverage menu varies meaningfully by state and risk profile
Coverage at a glance
What each carrier offers in standard policies.
Texas Farm Bureau
National General
The bottom line
Texas Farm Bureau
Texas residents with clean records should absolutely get a Texas Farm Bureau quote. It's frequently the cheapest legitimate option in the state.
Read the full Texas Farm Bureau reviewNational General
National General fits the non-standard niche or specialty needs (RV, motorcycle). Standard-risk auto shoppers will find better rates and service at mainstream carriers.
Read the full National General reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.