Germania Auto Insurance Review (2021)

This Germania Auto Insurance Review (2021) review will cover Germania Auto Insurance Review (2021) ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Germania Auto Insurance Review (2021) A.M. Best rating is A-. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 9, 2022

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Company Details
Address: PO Box 645
City: Brenham
State: TX
ZIP Code: 77834
Phone Number: 800-392-2202
AM Best Rating: A-

Things to remember...

  • Germania Insurance is a mutual insurance group made up of six subsidiaries
  • It is a company that is owned by its members. This means that when you purchase a policy, you receive some stock in the company
  • Industry analyst AM Best gives Germania Mutual Insurance an A- rating for financial strength and an “A-” for issuer credit

If you have ever set out to look for insurance in your state, you know that researching and finding the best auto insurance companies is pretty hard work. Finding information to compare with other companies and trying to discern key takeaways can easily become a burdensome task.

That’s what we sought out to deliver Germania auto insurance review that covers everything you need to know. While they may not be as available as Allstate auto insurance reviews, we’ve uncovered important information about Germania that you may want to consider.

Made up of six subsidiaries, Germania is the largest insurance company of its kind in Texas and offers several types of personal insurance to those living in the Lone Star State. It is also licensed with the Texas Department of Insurance to sell and write policies within the state.

Need a Germania insurance quote? Or looking for types of products and services the company offers that get straight to the point? Keep scrolling to learn more.

Or, if you’d rather start comparing auto insurance companies now, use our free quote tool.

Let’s get started.

Germania Auto Insurance Rates

Auto insurance rates are key to an organization’s reputation and success. The more affordable one’s products and services are, the more individuals seek to explore one’s business with that organization further.

Auto insurance from Germania is targeted at a certain demographic of drivers. They look for customers who:

  • Are good drivers
  • Do not have a long history of violations or car accidents
  • Drive vehicles that are in moderate to good condition

What is Germania’s availability by state?

Germania provides insurance products for individuals and businesses in the state of Texas. The table below shows the average annual auto insurance rates in TX for core coverage types. These rates will give you a baseline when you compare Germania auto insurance rates against other companies in TX.

Average Annual Auto Insurance Rates in Texas
Auto Insurance by Coverage TypeAverage Annual Auto Insurance Rates in TX
Full Coverage$1109.66
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You can find Germania Insurance in Amarillo, Wichita Falls, Dallas, and any other city in the Lone Star State. This narrow focus has allowed them expertise for situations and experiences in that area — establishing tailored coverage for natural disasters that happen in the state, for example.

With Germania, individuals and businesses alike can be assured that this organization knows their needs inside and out, as the state of Texas is their stomping ground. Agents can be found throughout the state of Texas.

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Germania Auto Insurance Coverages Offered

Germania, though officially a farm mutual insurance company, sells several types of insurance.

Types of auto insurance, property insurance, personal liability insurance, and life insurance are the four main types of insurance products marketed and sold by Germania and its agents.

Having an array of coverage allows Germania to better serve the individuals and businesses of the state of Texas.

What are Germania’s bundling options?

Germania, like most insurance companies, offers bundling options as a way for their customers to save on their detailed policies. This is a critical component to an organization’s success. Bundling options are incentives, which can go a long way with customers and their loyalty.

Take a look at how bundling works in this video.

That being said, Germania allows you to bundle several different ways. They are the following:

  • Auto and Property
  • Auto, Property, and Life

You can bundle homeowners as well as Germania renters insurance with your auto. Nowadays, having bundling options available to customers have become the norm. However, it shouldn’t go unnoticed when an organization incorporates these incentives nonetheless.

What are programs and discounts offered by Germania?

To help their auto insurance policies to be even more affordable, Germania offers several auto insurance discounts to its drivers. These are the following discounts on car insurance:

  • Multi-car discount
  • Defensive driving discount
  • Driver training discount
  • Passive restraint discounts
  • Anti-theft discount
  • Companion auto policy
  • Mature driver discount
  • Academic Achievement
  • New Vehicle Discount

Germania’s homeowner’s insurance policies cover suburban homes, rural homes, home built with traditional construction, mobile homes, outbuildings, farms, and farm equipment. Discounts include companion policy discounts, all-metal roof discount, hail resistant roof discount, claims-free discounts, and an alarm discount.

The personal liability policies offered by Germania are meant to protect your assets if something happens to someone on your property for which you could be held legally liable.

For example, this protection would apply to someone getting hurt on your property or rental property, if your dog bit someone, or if someone was hurt on a watercraft that you own.

The Germania life insurance program was started in 1983, and plans can be customized for all different types of coverage for people of different ages. They offer a companion policy discount on permanent plans, term life plans, and annuities. They will help you decide the amount and type of coverage necessary for you and your family.

Germania Insurance Company also offers roadside assistance, which can be added to one’s policy. Roadside assistance includes travel and car-care discounts as well.

What Stands Out, What’s Missing

One unique discount is the mature driver’s discount. While we know rates typically drop for older drivers, drivers over 50 under Germania’s policy are able to catch an additional break with this incentive. Something that is missing is a discount associated with tracking for good drivers.

How to Make a Germania Auto Insurance Claim

A difficult claim process can also be detrimental to an insurance organization. If individuals find the process to be inconsistent and lengthy, for example, they might turn towards complaints or finding a quicker solution elsewhere. That being said, just how easy is it to make a claim with Germania Insurance Company?

There are several ways your claims can be filed with Germania:

  • Online – Through the website, you can file your claim with Germania 24/7. There you will simply need your policy number and billing zip code to get started.
  • By Phone – Germania prides itself as being as accessible as possible. To file a claim by phone, dial 877-437-6264 (auto). There is also a number for catastrophic events wherein you can get in touch with a representative (perhaps sooner than normal circumstances) at 1-800-392-2202. Claims can be filled by phone 24/7.
  • By agent – If you have access to a Germania agent, they should be trained to walk you through the claims process as well.

Through these methods, one should be able to file a claim in no-time. And someone will contact you about your Germania insurance claim status as well.

There was not a number listed for fax nor a physical address specifically attributed to claims.

What is Germania Premier Service and Catastrophe Response Unit?

Germania Premier Service is a network of trusted auto body repair facilities. These preferred repair facilities work to get their policyholders’ damaged vehicles repaired quickly. The Catastrophe Response Unit has a dedicated team of claims pros that can address any catastrophe regardless of severity. Furthermore, as a Germania policyholder, you can take advantage of auto glass repairs and replacement services. If you notice damages to your auto glass, you can report auto glass claims online and request a windshield repair service.

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How to Get a Germania Auto Insurance Quote Online

One of the key ways an organization obtains business and an effective tool for success is obtaining a quote. Making quotes accessible, whether online or through an agent, allows an individual to see if they would like to move from prospect to customer. So how do you get a Germania insurance quote? The following steps are outlined below.

Initial Information

For this introductory step, you are asked to provide basic information. This includes:

  • First Name
  • Last Name
  • Email
  • Phone Number
  • ZIP Code

You are also asked two basic questions — 1) are you an existing member, and 2) what is your product of interest.

Overall, this step to obtaining a Germania insurance quote should take less than a minute.

Wait to Be Contacted

Upon entering your information, you will be re-directed to a thank-you page wherein you are directed to wait to be contacted. How soon one would have to wait could depend on the time day that the quote was sent — for example, if it’s after business hours, you might be contacted during business hours.

It is also not known who will be contacting you, but it will most likely be a customer service representative or an often sought insurance agent like Patsy Vessels at Germania.

The representative or insurance agent will let you know if they require additional information when you are contacted — for auto, for instance, you might be asked about the details of your vehicle and for what purposes you use it.

Doing this for multiple companies might be a frustrating experience. For that reason, we offer our free tool below, where you can start comparing rates today.

Germania: Auto Insurance Ratings

Ratings contribute to an organization’s success as well. When vetted by reputable organizations, it provides key insight into an organization’s operations and their stability in the near future. So what do the ratings say about Germania insurance company? Let’s take a look.

A.M. Best

Industry analyst A.M. Best gives Germania Mutual Insurance an “A-” rating for financial strength and an “A-” for issuer credit. This means that the company has an “excellent” ability to meet their insurance obligations, as well as an “excellent” ability to meet their ongoing senior obligations.

The rating affirmations of Germania recognize its very strong risk-adjusted capitalization, long-time experience and expertise in the Texas marketplace, along with its conservative investment philosophy, which continues to produce favorable net investment income and be the main driver of pre-tax operating gains and net income.

This strength is prevalent despite several risk-factors that the company faces.

Going forward, A.M. Best anticipates continued stability in operating results. However, as a single-state writer in Texas, a certain degree of variability is expected due to the group’s inherent exposure to frequent and severe weather-related events, as well as any judicial, economic or regulatory concerns that may arise.

Variables are expected to arise, according to the risk-assessing agency. This does not negate, however, the insurer’s ability to deliver to their customers.

Better Business Bureau

The Better Business Bureau (or BBB) has a mission to help individuals find businesses they can trust. The Better Business Bureau has also rated Germania Insurance Company, despite it not yet being a BBB-accredited organization.

Germania was rated an “A+” by the Better Business Bureau. This is the highest rating possible for an organization assessed by BBB.

Ratings are calculated numerically from a number of elements, including complaints, time in business, transparency, licensing and government actions, and others. These elements are scored, and then overall scores are assessed a letter grade — an A+, for example, ranging from 97 to 100.

Overall, BBB found Germania to be a thorough organization based on key elements — some of which we listed above. These scores, however, do not include customer complaints.


The National Association of Insurance Commissioners (or NAIC) publishes complaint data for insurance companies. Through this data, we are also able to get a glimpse into an organization’s performance.

The NAIC has complaint data on Germania Insurance Company as well. Let’s take a look at the chart below.

Germania Auto Insurance Complaint Data (2017–2019)
Germania Auto Insurance Private Passenger Policy Statistics201720182019
Total Complaints000
Complaint Index (Better or worse than national index)0 (better)0 (better)0 (better)
National Complaint Index111
US Market Share0.00%0.00%0.00%
Total Premiums$7,337,000$9,199,062$9,046,071
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The number of complaints were better than the national average for all three years, from 2017–2019. That’s good news, compared to some of their rivaling organizations. It is also worthy to note that Germania isn’t a huge corporation; its market share has been at zero in the industry for the last several years. This supports the theory that a smaller organization has more room to enhance their customer service skills, which could be indicative of the lower number of complaints.

Germania: Auto Insurance History

Germania started as most insurance companies more than a century old did: it began as a farm insurance company. Before businesses, homes, and automobiles needed insurance, farms were the most important insurable asset. By insuring farms, they were also insuring the income of their clients. Farms were the livelihood in many areas across the United States, especially Texas, in 1896 when Germania was founded.

Germania was founded as a mutual insurance company, which back then meant that several farmers were working together to make sure their livelihood was protected.

Since its founding, Germania has grown from one company to a group of companies. Germania insurance is made up of:

  • Germania Mutual Insurance Association
  • Germania Insurance Company
  • Germania Fire and Casualty Company
  • Germania Select Insurance Company
  • Texas Heritage Insurance Company
  • Germania Life Insurance Company

Over the last 115 years, Germania has grown to over 185,000 members, and it is a company that is owned by its members.

When you purchase a policy, you receive stock in the company and are able to buy more stock in the company if you choose to do so. Employees are also given a share in the company.

While Germania may not have as much visibility as some of its competitors, it has roots in the insurance industry that shouldn’t go unnoticed, especially if you want to make an informed selection when shopping around for your auto insurance.

How is Germania’s online presence?

In the 21st century, a strong online presence can contribute to the success of an organization.

With that said, Germania has a strong online presence. It has a website where you can get an insurance quote, as well as a customer portal where you can manage your insurance policy.

Germania also has blog posts and newsletters where you can learn more about the organization. This, coupled with its Facebook and Indeed account, show that they are trying to compete with their rivals.

Germania Insurance Company is not agent only. Their online presence presents multiple faucets for engaging with the organization.

Germania seems to do it right when it comes to its online presence. Customers are able to engage with the company virtually, as it is common to do nowadays.

Does Germania have commercials?

Commercials serve as a creative approach to the success of an organization. In this commercial from Germania, the appeal is emotional. In a humane way, the company reminds customers that they were there from the beginning, through the various disasters those customers faced. Though many things have changed, one thing has remained the same — Germania is still with Texas.

Overall, commercials are meant to attract customers and drive revenue. For someone looking at this commercial, it could make them wonder what Germania is about, making it a successful advertisement.


What do Germania employees have to say?

Employees are another way that we can gauge an employer’s success. They often provide insight that allows us to view the company from inside-out, rather than outside-in, going beyond what is presented by the employer itself. That being said, let’s now dive into some Germania Insurance employee reviews.

On Glassdoor, Germania received a 2.6 out of five stars.

Keep in mind that these reviews are from only a small portion of individuals, but one’s experience should be validated nonetheless. So let’s break this down a bit:

  • Culture & Values – 2.8 out of five stars
  • Work/Life Balance – 2.7 out of five stars
  • Senior Management – 3.1 out of five stars
  • Compensation & Benefits – 2.7 out of five stars
  • Career Opportunities – 2.7 out of five stars

Furthermore, of those that gave reviews for the company, 41 percent would recommend it to a friend, 23 approve of the CEO, and 36 percent have a positive business outlook about the company.

These numbers are definitely not ones that a business would like to see. However, with the right mindset, it could definitely lead to improvement.

The numbers at PayScale were a bit higher. Overall, this would provide an average experience for individuals at the company.

Individuals at Payscale gave Germania Insurance Company an overall rating of 3.9 stars (out of five).

We can break this down a bit further:

  • Appreciation – 3.1 out five stars
  • Company Outlook – 3.1 out of five stars
  • Fair Pay – 2.5 out of five stars
  • Learning and Development – 3.8 out of five stars
  • Manager Communication – 3.6 out of five stars
  • Manager Relationship – 3.6 out of five stars
  • Pay Policy – 3.5 out of five stars
  • Pay Transparency – 2.8 out of five stars

Upper management and learning received the highest stars, while issues around pay caused the lowest ratings.

Germania in the Community

Germania is one of the many companies that donate towards charitable causes. While they don’t publicize their giving on their website, they do make donations to the St. Baldrick’s Foundation.

With Germania’s help, St. Baldrick’s Foundation is able to support childhood cancer research.

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What states does Germania Insurance do business in?

Germania Insurance sells insurance (renters, homeowners, car) in only one state, which is Texas.

Best Homeowners Insurance Rates in Texas ($200K)

CompanyAverage rates for $200K dwelling
Allstate Insurance$1,932
Amica Insurance$2,191
Encompass Insurance$2,970
Farmers Insurance$1,289
Safeco Insurance$1,600
State Farm Insurance Company$2363
Travelers Companies, Inc.$2,378
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Best Homeowners Insurance Rates in Texas ($400K)

CompanyAverage rates for $400K dwelling
Allstate Insurance$3,683
Amica Insurance$4,736
Encompass Insurance$4,516
Farmers Insurance$2,312
Safeco Insurance$2,379
State Farm Insurance Company$3,561
Travelers Companies, Inc.$4,262
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Best Texas Renters Insurance Rates

CompanyAverage renters insurance rates
State Farm$230.20
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Best Teen Car Insurance Rates (Texas)

CompanyFemale teen ratesMale teen rates
Allstate Insurance$1,511$1,749
State Farm Insurance Company$1,256$1,534
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Best Car Insurance Rates for a Married Couple (Texas)
CompanyMarried couple rates
Allstate Insurance$2,105
State Farm Insurance Company$1,727
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Best Senior Car Insurance Rates (Texas)
CompanyFemale senior ratesMale senior rates
Allstate Insurance$1,497$1,497
State Farm Insurance Company$828$828
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Ten Cheapest Locations for Car Insurance (Texas)
LocationCar insurance rates
Sheppard Air Force Base$1, 216
Goodfellow Air Force Base$1,218
San Angelo$1,221
Little River Academy$1,235
Water Valley$1,235
Harker Heights$1,236
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10 Most Expensive Locations for Car Insurance (Texas)
LocationCar insurance rates
North Houston$1,711
Galena Park$1,685
Santa Elena$1,667
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Design of Germania Website & App

User experience is not only key to an organization’s operations, but it could also measure the success of a company. How? Because a faulty user experience could reflect horribly on the esteem of the company, driving prospects and even customers to seek a more efficient experience elsewhere, especially as it relates to their business.

First, we’ll start with the mobile app. Like many companies, Germania offers a mobile app as a complement to its operations for its customers. You should be able to locate this app in the app store on your smartphone device. This app is specific to claims, allowing one to upload images and ultimately receive an estimate.

The app will guide you through steps needed to capture the pictures of your vehicle’s damage and submit it for review.

There aren’t enough ratings in the app store to provide an adequate view of user experience, however, the app is clean, easy to download, and appears to be a nice complement to move the process of claims along sooner.

Customers are expected to login on the web, rather than having an app dedicated to their primary functions.

The website provides a sleek, clean, and clear experience. Everything you need is located on the main page, including getting a quote, claims, products and services, and contact information. If you’re still a little lost, there is a search bar at the top right of the page that allows you to customize your search.

The website isn’t cluttered with unnecessary fluff and gets you where you need to go. You can use the agent search here to find Germania agents in places like Denison, Lubbock, Wichita Falls, Amarillo, or wherever you live in Texas.

The Bottom Line

Germania Insurance Company prides itself on providing insurance to Texans since the late 1800s. But longevity isn’t the only thing that makes the company successful.

Germania has stability and financial strength as an organization, according to the top risk-assessing agencies and those with a keen eye for measuring an organization’s potential.

Germania offers an array of discounts in the auto sector, as well as others, and has resources like repair shops that show they care about the individual’s needs. Furthermore, they offer extensive resources with claims and even have an app that allows you to get an estimate quicker. Policyholders can also view repair estimates online via GermaniaConnect.

The adjuster estimate process is very convenient and policyholders who are registered for GermaniaConnect can print their repair estimate details once the estimate has been completed by the adjuster.

One negative is that employees have had an average experience. While this isn’t bad, this isn’t the best either. Seeing that they get a different glimpse into the company, this is something that should also be taken into consideration. Finally, they find ways to give to individuals in need — another plus for the insurer.

If you’re located in the state of Texas, look up Germania insurance company. While you might not be able to easily get a quote online, it’s definitely a place to start.

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Frequently Asked Questions: Germania

We know that even in a guide like this, there are things that might not be touched on. That’s why we’ve created this section to answer any additional questions you may have about Germania Insurance Company.

#1 – How can I get in contact with Germania Insurance Company?

You can reach Germania Insurance Company in a couple of different ways. You can call toll free at (800) 392-2202. You can also call the local Brenham/Washing County number at (979) 836-5224.

If you’d prefer to use email, you can email [email protected] and someone will reach out to you regarding your inquiry.

#2 – What type of auto insurance does Germania Insurance offer?

While their website does not say specifically, we know that Germania offers personal auto insurance to individuals living in the state of Texas. That being said, the minimum liability requirements in Texas are 30/60/25. This means that Germania must at least offer bodily injury liability ($30,00 for injuries per person, up to a total of $60,000 per collision), as well as property damage liability ($25,000).

We recommend that you check with your agent or a customer service representative to see if Germania offers additional types of coverage that you can add to your policy, like collision and comprehensive coverage.

#3 – Where can I find an agent near me?

Germania Insurance company has a free insurance agent locator on their website where you can find local agents. Simply enter your zipcode to find agents near you.

What is also essential about the tool is that they have various methods of contact for agents, including email address, physical address, and phone number. Feel free to ask as many questions as you need to get started on what a Germania Insurance quote or policy might look like for you.

#4 – How can I file a claim with Germania Insurance?

To reiterate, there are several different ways you can file a claim with Germania.

  • Online – Through a portal on the website, you can file your claim online. This can be done 24/7, and you will simply need your policy number and billing zip code to begin the process.
  • By Phone – To file a claim by phone, you can call 877-437-6264 (auto). There is also a number for catastrophic events at 1-800-392-2202. Claims can be filled by phone 24/7 as well.
  • By agent – Have access to a Germania agent? Ask for help filing a claim; they should be trained to help you walk through the process.

#5 – What is special about Germania’s rental insurance?

Traditional renter’s insurance covers your belongings. This includes furniture and appliances down to your clothes. With Germania, a renter’s policy includes additional living expenses coverage just in case you cannot live in your rental due to a covered loss.

#6 – Does Germania have mobile home insurance?

The Germania website does not say whether mobile-home insurance is covered in a Germania policy. In our opinion, the best thing to do would be to contact a Germania customer service representative to find out more about Germania-specific coverage.

#7 – Does Germania cover overseas travel?

While some insurance companies offer coverage for travel overseas, it appears from Germania’s website that that is not an area they focus on.

#8 – How do I get involved with Germania career opportunities?

Germania regards itself as a mid-sized company, and career opportunities at Germania have increased over the last 10 years due to the growth of the company.

Jobs are centrally located at the Brenham headquarters, although agent positions are spread all throughout the state of Texas.

Germania offers its employees several benefits, including medical and dental insurance, life insurance, accidental death and dismemberment insurance, short and long-term disability insurance, and employee voluntary wellness benefits.

If you’re done considering Germania for your insurance needs, it’s time to look at numbers.

Start comparing auto insurance companies today using our free quote tool below.

for Germania Insurance

4.11 (55 reviews)
April 6, 2020


Overall good

I stayed with this company for about 12 years. Overall my experience was very positive. I never had any major issues with them. I had filed a handful of claims in the 12 years I was with them. Ultimately, I decided to leave because I thought they were a bit too expensive.
January 29, 2020


Germania is great insurance!

They have always helped us with whatever problem we had, and quickly. We have both auto and homeowners insurance with them. We got a recommendation from others when we moved here 15 years ago. They were the best company with the best price and we have had no issues with them. They are located close to us so it is super convenient if we need to visit their office. They are always quick at sending someone out if we need to have anything looked at a...
They have always helped us with whatever problem we had, and quickly. We have both auto and homeowners insurance with them. We got a recommendation from others when we moved here 15 years ago. They were the best company with the best price and we have had no issues with them. They are located close to us so it is super convenient if we need to visit their office. They are always quick at sending someone out if we need to have anything looked at and are super easy to deal with. I haven't bothered looking at anyone else because we are satisfied.
September 1, 2019


Great Company

It was a good experience. They were able to give me the best price. Plus they were very cordial and did what they could to make it pleasant.
July 31, 2019


Great rates

Great rates with the option to lower payments even further by setting up auto withdrawal and by paying every quarter instead of every month.
December 31, 2018


Great service and excellent customer service!

This company holds my homeowners and auto policy and I have nothing but great things to say about them! I haven't had any problems, they were able to get me a good rate that I was pleased with. Making payments is easy and their website is easy to navigate. I will continue to use them and will recommend them to others.
October 9, 2018


No problems ever.

Thia is the best company, they are very nice to work with. Anytime we have had to file, there have never been any problems. When someone rear ended my husband they dealt with the other insurance company we didn't have to.
October 9, 2018


Germania- 8 years leater

I have had two wrecks that were not my fault in the 8 years I have had this policy. The insurance company and agent has always helped the process to get the work done. One replaced windshield due to wildlife. We receive a bundle rate which is why we have not moved our business.
September 7, 2018


Great company!

This company has been amazing to work with. Very responsive and timely when we needed anything. Good rates. Friendly people.
September 6, 2018


Great Company

This company is always helpful with resolving all issues. The staff at the local office are fast at solving any issues
July 31, 2018


Shop around for insurance

The price was less than geico who we were with for 13 years. Same coverage and local. Try germania.
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