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Review of Germania Insurance

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Here's what you need to know...
  • Germania Insurance specializes in insuring farmers, but they have products available for a much more diverse clientele
  • They offer insurance only in Texas
  • Their current financial ratings are excellent, but their long-term outlook is negative
  • Germania 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

AdobeStock_65317311-1600x1600Germania only sells insurance products in Texas. They continue to have a major focus on 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

Car insurance has 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.

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