Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Germania Insurance is located in Brenham in Texas
  • Germania Insurance began offering types of car insurance in 1978
  • Germania Insurance consists of six separate companies

The Germania Car Insurance review is a review of Germania Insurance. Germania Insurance is located in Brenham in Texas.

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Who is Germania Insurance?

The Germania Insurance history began in 1896 with the founding of the Germania Farm Mutual Insurance Association.

Germania Insurance consists of six separate companies. The companies that make up the Germania Insurance family include:

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

Today the Germania Insurance companies offer everything from farm insurance to car insurance, property insurance, liability insurance, life insurance, and even financial services through the Germania Credit Union.

Germania Insurance began offering types of car insurance in 1978. They offer comprehensive personal auto coverage with rental car coverage, roadside assistance, and more as needed. Germania also has coverage options for recreational vehicles. So if you like to take cross country trips with your RV, they have options to keep you on the road.

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What Discounts Does Germania Insurance Offer with Auto Policies?

Along with the typical car insurance coverage options, Germania Insurance offers many car insurance discount opportunities.

Some of the car insurance discounts that Germania Insurance offers include:

  • Multi-car discount
  • Driver training course discount
  • Defensive driving course discount
  • Mature driver discounts
  • Anti-theft device discount
  • Discount for having a car with passive restraints or airbags.

Is Germania Insurance The Best Choice for Texas Drivers?

If you’re looking for low premiums, comprehensive coverage, etc., it’s hard to tell if Germania will give you what you need. They do not offer online quoting. So we were unable to get general rates. Based on real testimonials, Germania does seem to offer reasonable insurance premiums and the local service many customers love.

If you are outside Texas, you will need to find another insurer. If you travel regularly outside Texas, even if your home base is there, you may also want to consider another carrier with a wider network to address insurance concerns across the country.

The Germania Insurance companies have received an A (Excellent) rating from the A. M. Best Company.

The A. M. Best Company is the nation’s leading financial strength ratings provider for the insurance industry. Begin your search for the best car insurance rates now by entering your zip code below!


  1. https://www.germaniainsurance.com/about/germania-companies/
  2. https://www.farmers.com/
  3. https://www.geico.com/save/discounts/defensive-driver-discounts/
  4. https://www.statefarm.com/insurance/auto/discounts
  5. http://ambest.com/