Germania Car Insurance Review [2020]

Germania car insurance is only for sale in Texas and is mostly suited for local farmers. Germania Farm Mutual has an A- financial rating from AM Best.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Dec 29, 2021

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Company Details
Address: 507 Highway 290 East
City: Brenham
State: TX
ZIP Code: 77833
Phone Number: 979-836-5224
Year Founded: 1896
AM Best Rating: A- (Excellent)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Germania Insurance company specializes in insuring farmers, but they have insurance products available for a much more diverse clientele
  • Germania Insurance company offers insurance policies only in Texas
  • Its current financial ratings are excellent, but its long-term outlook is negative
  • Germania Insurance company offers other types of insurance in addition to automobile insurance

This car insurance review is for the Germania Farm Mutual Insurance Association. Germania was founded in 1896 in Texas.

As the name suggests, they began as a company that sold insurance products only to farmers. Today their clientele is far more diverse.

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What Germania Insurance Offers

Germania only sells insurance products in Texas. They continue to have a major focus on insurance coverage for farmers, but they allow many different customers through their subsidiary companies.

Germania sells five different types of insurance. They are:

  • Automobile
  • Property
  • Personal Liability
  • Life
  • Umbrella

Cheap auto insurance rates have been available from Germania since 1978. If you purchase auto insurance through Germania, you can get discounts for:

  • Multi-car
  • Multi-policy
  • Driver training
  • Anti-theft devices
  • Mature driver

Germania Farm Mutual Insurance Association and all of their subsidiaries have an A.M. Best rating of A- (excellent) with a negative outlook, which means that they are currently unable to sustain their current level of growth.

The exception here is their life insurance company; it has a stable outlook.

Germania has had eight complaints filed against them with the Texas Department of Insurance in the past three years. None of the complaints were regarding car insurance but were related to property insurance claims.

If you are considering Germania for your auto insurance needs, you need to use caution considering their financial status.

Currently they can meet their obligations but it is important to follow their financial strength to ensure that they can continue to do so.

A.M. Best allows you to view car insurance company ratings for free.

To compare many car insurance quotes now, type in your ZIP code to the FREE rates tool!

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