Why Did My Texas Farm Bureau Insurance Go Up?

Texas Farm Bureau Insurance customers who saw large auto increases in 2023 and 2024 were seeing the result of two big group-wide rate filings. In September 2023, the four Texas Farm Bureau insurers filed personal auto changes of 19.8% to 20.4%, and in September 2024 they filed changes of 14.9% to 16.1%, according to the Texas Department of Insurance (TDI) public filing data ¹. Those followed two increases in 2022 and one in early 2023 ¹.

The direction has since turned. In October 2025 three of the four companies filed decreases of 5.8% to 5.9%, and a further 4.1% decrease filed in April 2026 is listed as pending ¹. Every percentage here is TDI's estimate of the average impact on a company's existing policyholders, not a forecast for any one renewal ². If your own bill rose recently, the reason may be on your policy rather than in a new filing. We are not affiliated with the insurers named.

Texas Farm Bureau Insurance is a brand that covers several legal insurers. TDI's data lists four companies on each of the group's personal auto rate filings, under one shared SERFF tracking number per filing ¹:

• Texas Farm Bureau Mutual Insurance Company
• Texas Farm Bureau Underwriters
• Farm Bureau County Mutual Insurance Company of Texas
• Texas Farm Bureau Casualty Insurance Company

The same filing often carries slightly different percentages for each company, and occasionally very different ones ¹. Which company insures you is printed on your declarations page, and that company's figure is the one that applies to your policy.

Texas does not set the price of auto insurance. TDI says it "doesn't set insurance rates or premiums," and that companies can use new rates the same day they send them to TDI or pick a later effective date ³. State law requires rates to be adequate, not excessive and based on sound actuarial principles, and TDI's actuaries review the filings ³.

TDI describes the percent change on each filing as "the estimated impact that the rate change has on existing policyholders," which can be higher or lower for an individual ². A pending filing is still under review; a closed filing means TDI is done with its review ². Each closed Texas Farm Bureau filing below carries the closed type "Reviewed" in TDI's data ¹. That is TDI's term for a finished review; it is not the same as an approval.

These are the group's personal auto filings with a nonzero change, newest first. Each row is one filing, with the percent change TDI lists for each company ¹:

"Mutual" is Texas Farm Bureau Mutual Insurance Company, "Underwriters" is Texas Farm Bureau Underwriters, "County Mutual" is Farm Bureau County Mutual Insurance Company of Texas and "Casualty" is Texas Farm Bureau Casualty Insurance Company.

Between June 2022 and September 2024 the group filed five increases in a little over two years, two of them near or above 15% and one around 20% ¹. A filing reaches each policy only at its first renewal on or after the effective date, so many policyholders may have felt these one after another: the December 2022 filing at one renewal, the October and November 2023 filing at the next, and the September 2024 filing after that ¹. Seen from a policyholder's side, that is how a run of filings becomes three higher bills in a row.

The March 2025 filing shows how much companies within one brand can differ. It listed small increases for three companies and a 9.9% decrease for Texas Farm Bureau Casualty Insurance Company ¹. The two most recent filings list 0.0% for that company while the other three show decreases ¹. Two customers of the same brand, in the same town, can therefore see different changes in the same year.

The filing data gives percentages, dates and status, but not the company's reasons. We did not find a public statement from Texas Farm Bureau Insurance explaining these filings, so we do not guess at them. TDI's October 2026 release, which covered auto decreases filed across the Texas market since July 1, 2026, did not name a Texas Farm Bureau auto filing ⁴.

Even with recent decreases, a renewal can rise because of something specific to your policy:

• A new accident, claim or ticket on any listed driver.
• An added driver or vehicle, such as a teen driver or a car that costs more to repair. See adding a teen driver.
• A move to a different area, since rates are set by location.
• A lost discount or a change in coverage, limits or deductible. See why discounts disappear at renewal.
• Your company's figure. The table shows that the four companies do not always move together ¹.
• Timing. A decrease filed in April 2026 that is still pending may not have reached your policy ¹.

1. Check which company insures you on your declarations page, then find its row in the table above.
2. Compare the renewal with last term line by line. Our guide to reading a renewal notice shows where to look.
3. Ask your Texas Farm Bureau agent what changed: a filing, your rating factors, or your discounts.
4. Look up filings yourself with TDI's rate filing search ². Our explainer on what a rate filing is covers the basics, and the Texas page explains how Texas rates work and where to get help.
5. Compare quotes from several insurers. Prices for the same driver can differ widely. You can compare quotes here.

Sponsored link. QuotePitStop is a lead-generation service and is paid by insurance partners when you request quotes.

For reasons that apply at every insurer, see why car insurance goes up. For the wider trend, see whether car insurance rates are going down. Other Texas insurers: Fred Loya and Germania.

• ¹ Official record: TDI's public rate filing data on data.texas.gov for the Texas Farm Bureau group's personal auto filings (companies, received dates, percent changes, effective dates, status and closed type), checked October 13, 2026.
• ² Official record: TDI's rate filing page defining percent change and pending and closed status, and its rate filing search, checked October 13, 2026.
• ³ Official record: TDI's page on how insurance costs are calculated, when filed rates can be used and the legal rate standards, checked October 13, 2026.
• ⁴ Official record: TDI's October 8, 2026 release on auto rate decreases filed since July 1, 2026, checked October 13, 2026.