Farm Bureau Mutual vs. 21st Century Car Insurance

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Farm Bureau Mutual or 21st Century:
Which Company is Best for You?

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
Credit scoreFarm Bureau Mutual avg. annual premium21st 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

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
ViolationFarm Bureau Mutual avg. annual premium21st 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

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
Age tierFarm Bureau Mutual avg. annual premium21st 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 ComparisonFarm Bureau Mutual21st 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 ComparisonFarm Bureau Mutual21st Century
Financial Strength ExcellentExcellent
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A

A+

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Other FeaturesFarm Bureau Mutual21st Century
AboutFarm 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 AssistanceFarm 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 DiscountsNone Available21st Century offers an additional discount for seniors in select states.
Recent Questions
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States OfferedArizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota UtahCalifornia
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Farm Bureau Mutual vs. 21st Century

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