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.
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.
| Credit score | Farm Bureau Mutual avg. annual premium | 21st Century avg. annual premium |
| Very Poor (300-579) | $1,780 | $1,363 |
| Fair (580-669) | $1,126 | $1,363 |
| Good (670-739) | $1,193 | $1,657 |
| Very Good (740-799) | $932 | $1,363 |
| Exceptional (800-850) | $863 | $1,363 |
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.
| Violation | Farm Bureau Mutual avg. annual premium | 21st Century avg. annual premium |
| At-fault accident (damage < $1,000) | $1,224 | $2,440 |
| At-fault accident (damage > $1,000) | $1,294 | $1,273 |
| DUI/DWI | $1,850 | $3,949 |
| Reckless driving | $1,546 | $3,949 |
| Speeding ticket | $1,025 | $1,781 |
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 tier | Farm Bureau Mutual avg. annual premium | 21st Century avg. annual premium |
| Teens | $2,767 | $5,233 |
| 20s | $1,545 | $1,795 |
| 30s | $984 | $1,795 |
| 40s | $961 | $1,313 |
| 50s | $866 | $1,244 |
| 60s | $870 | $1,117 |
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.
| Discount Comparison | Farm Bureau Mutual | 21st Century |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Farm Bureau Mutual | 21st Century |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Not Rated out of 5 | 3 out of 5 |
| User Satisfaction | A | A+ |
| Other Products | Farm Bureau Mutual | 21st Century |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Farm Bureau Mutual | 21st Century |
|---|---|---|
| About | Farm Bureau Mutual of Iowa focuses on building trusted relationships and helping you protect what matters most, so they can help you find the right products at the right time as you work to achieve your goals. | 21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and service. |
| Roadside Assistance | Farm Bureau Mutual offers 24/7 roadside assistance to members at no added expense. The company's Emergency Roadside Assistance coverage includes up to $100 for emergency service nationwide. | 21st Century customers are automatically enrolled in the 21st Roadside Assistance program at no additional cost. 21st Roadside Assistance provides 24/7 towing, lock-out service and other emergency services, limited to five service calls per vehicle per calendar year. 21st Roadside Assistance coverage is provided for up to $75 ($80 in TX, $100 in NC) in roadside services. Service applies to labor only. Parts (tires, batteries, belts, etc.) and gasoline are not included. |
| Additional Discounts | None Available | 21st Century offers an additional discount for seniors in select states. |
| Recent Questions | Can I group multiple accidents into one claim? I backed into a poll and damaged my rear panel and bumper last night. I also have minor scratches and ... I was getting gas when it started to rain, and the wind was blowing really hard. A piece of metal ... My son’s friend left his vehicle parked at my house while he was on vacation. I drove it to the ... While driving down a dark street last night I was involved in an accident where I hit someone’s car door ... | |
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| States Offered | Arizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota Utah | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |
