Auto Insurance Comparison
Texas Farm Bureau vs Root
Side-by-side comparison of Texas Farm Bureau vs Root auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Texas Farm Bureau comes out clearly ahead Root 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 | Root | |
|---|---|---|
| Overall score | 4.05 /5 ★★★★★ Highest overall | 3.60 /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 | Root is a digital-native carrier built around a test-drive model — you install the app, drive for ~3 weeks, and Root prices your policy based on actual driving behavior |
| Read full review | Texas Farm Bureau review → | Root review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Texas Farm Bureau | Root |
|---|---|---|
| Customer experience | 4.30 | 3.50 |
| Coverage breadth | 3.80 | 3.50 |
| Affordability | 4.00 | 3.80 |
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
Root
Full review →Pros
- Low-mileage drivers
- Drivers who do everything to keep themselves safe on the road
- Prospective customers want to save on renters and vehicle insurance.
Cons
- high-risk drivers in the high-risk categories.
- Insurance agents who prioritize work
- drivers who seek a comprehensive insurance plan
Coverage at a glance
What each carrier offers in standard policies.
Texas Farm Bureau
Root
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 reviewRoot
Root is worth trying if you're a genuinely safe driver who's comfortable with a 3-week test and digital-only service. If you need immediate coverage or prefer human agents, look elsewhere.
Read the full Root 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.