Germania auto insurance review: Cheap option for Texans
Germania offers lots of car insurance discounts and lower-than average rates, but it only offers a few types of coverage and is only available in Texas.
By
Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Edited by
Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
4.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
The bottom line
Germania Farm Mutual Insurance Association (more popularly known as Germania) has been providing insurance to Texans for more than a century. Germania is one of the top five cheapest car insurance companies in Texas and a popular option for Texas drivers.
Germania has lower-than-average auto insurance rates, but it doesn’t offer very many types of car insurance. You can get the basics, like liability as well as comprehensive and collision coverage, but Germania only offers a few additional types of auto coverage add-ons, including roadside assistance and RV coverage.
Liability coverage: Covers the cost of bodily injuries or property damage you cause to someone else in an at fault accident. Liability coverage is required in almost every state.
Uninsured/underinsured motorist coverage: Also known as UM/UIM, uninsured/underinsured motorist coverage pays for your medical expenses if you’re hit by a driver who doesn’t have insurance, or doesn’t have enough insurance to cover all your medical expenses. UM/UIM is required coverage in some states.
Collision coverage: Covers damage to your vehicle after a car accident, whether or not you were at fault.
Comprehensive coverage: Covers non-collision damage to your car, including damage caused by extreme weather, hail, flood, fire, falling objects, vandalism and theft.
RV coverage: Covers damage to your motorhome, travel trailer, or horse trailer with living quarters when added to your auto policy.
Ratings methodology
Price
4.3/5
We used data provided by Quadrant to compare the average cost of a full coverage policy from Germania (50/100/50 coverage limits and $500 deductibles for comprehensive and collision coverage) to competitor rates for the same coverage with the same driver profile (single drivers aged 30, 35, and 45 driving a 2017 Toyota Camry LE about 10,000 miles per year.)
Customer experience
4.8/5
Germania does not have a score on J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study. According to the National Association of Insurance Commissioners (NAIC) National Complaint Index Report, Germania also had fewer customer complaints than average in 2021.
Coverage options
2.1/5
Germania only offers 6 different types of auto insurance coverage, giving it a very low score when it comes to coverage options. Beyond the standard auto insurance coverage types, including liability, comprehensive, and collision coverage, Germania offers add-ons like roadside assistance and RV coverage.
Financial strength
3.0/5
Germania has moderate financial ratings, scoring an A- with AM Best. Germania doesn’t have a rating with S&P or Moody’s, but it is still in a decent financial position to pay out its customers’ claims.
How much does Germania auto insurance cost?
Germania auto insurance costs an average of $112 a month, or $1,341 a year. That makes Germania car insurance less expensive than competitors (both state-wide and nationally) for a full-coverage policy with bodily injury liability limits of $50,000 per person and $100,000 per accident.
Average cost per month
Average cost per year
Germania average
$112
$1,341
Texas state average
$152
$1,818
National average
$136
$1,638
What discounts does Germania offer?
Paid-in-full discount: Save money when your premium is paid in full before your policy is effective.
Multi-car discount: Earn a discount when you insure two or more vehicles on the same Germania policy.
Companion policy discount: Also known as a bundling discount, save money on your insurance when you insure your home or unscheduled personal property policy and have a personal liability or farm liability policy with Germania.
Mature driver discount: Earn a discount if a driver on your Germania policy is at least 50 years old.
Academic achievement discount: Also known as a good student discount, if you have a driver under the age of 25 who is enrolled as a full-time student and maintains a B average or higher.
Defensive driving discount: Complete a Texas state approved defensive driver training course to earn a discount.
Driver training discount: Get a discount if a driver under the age of 25 completes a driver education course.
Anti-lock brake discount: Save money if your vehicle is equipped with anti-lock brakes.
Passive restraint discount: Get a discount on your Germania insurance if your vehicle is equipped with factory installed air bags and a passive restraint system, like self-locking seat belts.
Anti-theft discount: Earn a discount on your comprehensive coverage if your vehicle is equipped with a qualifying anti-theft device.
New vehicle discount: Save money on your Germania car insurance if the model year of your vehicle is less than three years old.
Germania auto insurance state availability
Germania auto insurance is only available in Texas.
What to expect with Germania auto insurance
How to get a quote: Germania sells policies through agents, so drivers can ask their agent about getting a Germania quote or use Germania’s online portal to find an agent in your area.
Customer service options: Germania customers can reach out to their agent for their customer service needs or call the company at 800-392-2202.
How to file a claim: Customers can file a claim with Germania online or by calling 888-246-6432 for an auto glass claim or 877-437-6264 for other auto claims.
How to cancel your policy: Germania customers can reach out to their agent to cancel their policy or call Germania directly at 800-392-2202.
Germania was founded in Perry, Texas in 1896, so the company has been around for more than 125 years. The Germania Credit Union was founded the same year.
Who is the owner of Germania Insurance?
Germania Insurance isn’t owned by another, larger insurance company. Germania is a mutual insurance company, which means the company is owned by its members.
Is Germania Insurance only in Texas?
Yes, Germania is only available in Texas, but your Germania car insurance policy will cover you in all 50 states. However if you relocate out of Texas, you’ll have to find a different insurance company.
Does Germania have health insurance?
Germania does not sell health insurance. However, Germania does offer health insurance benefits, along with dental coverage and prescription drug benefits, for all full-time employees.
Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
