Germania Insurance Review

Germania Insurance Review Summary

Germania Insurance is a below average auto insurance company, earning an overall rating of 2.5/5 from WalletHub’s editors.

Founded in 1896, Germania Insurance provides trusted home, auto, liability, commercial, and life insurance to over 200,000 Texans and has grown into the largest farm mutual insurance company in Texas.

Summary: Germania Insurance Scores by Review Category

Now that you’re familiar with Germania Insurance scores in each of our review categories, let’s see how the company compares to some top competitors in a handful of key areas. Hopefully, this will help you find the best insurance company for your needs.

Germania Insurance Customer Service & Reviews

Category Rating: 20% (10 out of 25)

• Reviews on WalletHub: 2.2
• NAIC: 0
• BBB: A+

Germania Insurance isn’t the best when it comes to customer service as it doesn’t offer 24/7 live support, which cost it quite a few points in this category.

Germania Insurance Financial Stability

Category Rating: 0% (0 out of 4)

• AM Best: B

When it comes to financial strength, Germania Insurance has a poor rating from AM Best, one of the nation’s leading credit rating agencies for the insurance industry.

Germania Insurance Claims

Category Rating: 67% (10 out of 15)

Germania Insurance lets you file claims online or over the phone, which you can reach at 877-437-6264. However, it doesn’t have 24/7 claims support. Germania Insurance limited accessibility has earned it a mid-score in this category.

Germania Insurance Types of Insurance

Category Rating: 60% (3 out of 5)

• Auto Insurance
• Property Insurance
• Life Insurance

Germania Insurance offers a limited variety of insurance, so it lost a few points in this category. Germania Insurance auto insurance policies offer coverage options which include liability, collision, comprehensive and uninsured motorist.

• Liability coverage pays for bodily injury and property damage to another that results from covered losses you cause.
• Collision coverage can help repair your vehicle if it’s damaged — or compensate you for its value if it’s a total loss.
• Comprehensive coverage can help when your car is damaged by something other than a collision.
• Uninsured motorist coverage covers the medical costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance.

Germania Insurance auto insurance offerings include features and benefits such as optional roadside assistance and many discounts for Texas drivers

 Germania Insurance Discounts

  Category Rating: 60% (3 out of 5)

• Paid in Full Discount
• Multi-Car Discount
• Companion Policy Discount
• Mature Driver Discount
• Academic Achievement Discount
• Defensive Driving Discount
• Driver Training Discount
• Anti-lock Brake Discount
• Passive Restraint Discount
• Anti-Theft Discount
• New Vehicle Discount

Germania Insurance offers couple 11 discounts, which is not as many as some of its competitors. Since it offers fewer discounts, Germania Insurance received a mid-score in this category.

Germania Insurance Transparency

Category Rating: 60% (3 out of 5)

You can find some, but not all, key information on the Germania Insurance website quickly and easily, so it gets a mid-score score in the transparency department.

Bottom Line

Germania Insurance is a below average insurance company that offers a wide variety of coverage options and other benefits to its members. However, Germania Insurance didn’t score well when it comes to financial stability and customer service.

Germania Insurance Car Insurance vs Competitors

*Complaints Score represents the company's overall NAIC rating. Car insurance-specific rating may differ.
*Average annual premiums are based on a variety of driver profiles. Individuals premiums may differ, but these rates illustrate how costs from these insurers typically compare.