Germania Car Insurance Review [2025]
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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Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Certified Financial Planner
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. Joel...
Joel Ohman
Updated November 2023
- 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.
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!
Frequently Asked Questions
Is Germania car insurance available nationwide?
No, Germania car insurance is only available for sale in Texas.
Is Germania car insurance primarily designed for farmers?
Germania Farm Mutual Insurance Association initially focused on providing insurance products to farmers, but today they serve a more diverse clientele.
What is the financial rating of Germania Farm Mutual Insurance Association?
Germania Farm Mutual Insurance Association has an A- (excellent) financial rating from A.M. Best.
What types of insurance does Germania offer?
Germania sells five types of insurance, including auto insurance.
Does Germania offer cheap auto insurance rates?
Yes, Germania has been providing affordable auto insurance rates since 1978. They offer discounts for certain criteria.
Have there been any complaints filed against Germania with the Texas Department of Insurance?
Yes, there have been eight complaints filed against Germania with the Texas Department of Insurance in the past three years. However, these complaints were not related to car insurance but rather to property insurance claims.
Can I view car insurance company ratings for free?
Yes, A.M. Best allows you to view car insurance company ratings for free, providing valuable information for evaluating insurers.
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