Farm Bureau Mutual vs. 21st Century Car Insurance

Choosing an auto insurance company can be complicated: companies' rates vary based on your driving record, age, and location, and companies offer an array of perks. Farm Bureau Mutual and 21st Century are two of the US' top insurance companies, providing affordable policies across large portions of America.

In an effort to make shopping for car insurance easier, we collected average policy prices from 21st Century and Farm Bureau Mutual. These cover an array of rating factors, including credit rating, driving record, and age. Examine these rates and find your next car insurance policy today.

Farm Bureau Mutual vs. 21st Century: insurance rate comparison

Farm Bureau Mutual vs. 21st Century: by credit level

If you have extremely bad credit, 21st Century could be the way to go. On average, 21st Century offers cheaper rates than Farm Bureau Mutual for drivers with credit scores of lower than 580. Those with outstanding credit — a score of 800-plus — should consider Farm Bureau Mutual, which typically beats 21st Century by $500 per year. Check out typical insurance rates by credit score for 21st Century and Farm Bureau Mutual below.

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: 21ST CENTURY VS. FARM BUREAU MUTUAL

Farm Bureau Mutual vs. 21st Century: costs for high-risk drivers

If you're dealing with an at-fault accident, speeding violation, reckless driving violation, or DUI in your recent history, Farm Bureau Mutual could be a better choice than 21st Century. Every insurer will handle driving offenses differently, so don't be afraid to shop around to understand which insurer is best for you.

RATES BY VIOLATION: 21ST CENTURY VS. FARM BUREAU MUTUAL

Farm Bureau Mutual vs. 21st Century: rates by age

Insurance companies rely on age as an indicator of potential risk, assigning rates accordingly. An insurance policy is typically expensive for drivers younger than 25 — thanks to their inexperience — and most affordable for middle-aged drivers. Because every insurance company prices age brackets in a different way, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose Farm Bureau Mutual over 21st Century: Farm Bureau Mutual offers average yearly savings of $2,466 versus21st Century.

AGE BRACKET INSURANCE RATE COMPARISON: 21ST CENTURY VS. FARM BUREAU MUTUAL

Aside from finances, Farm Bureau Mutual and 21st Century come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.