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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|
|Very Good (740-799)||$932||$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|
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|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Farm Bureau Mutual||21st Century|
|JD Power Rankings||Not Rated|
|Other Products||Farm Bureau Mutual||21st Century|
|Travel Trailer 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.|
|Compare More||Farm Bureau Mutual vs. Allied Farm Bureau Mutual vs. Allstate Farm Bureau Mutual vs. American Family Farm Bureau Mutual vs. Amica Mutual Insurance Farm Bureau Mutual vs. Auto Club (AAA) Farm Bureau Mutual vs. Erie Farm Bureau Mutual vs. Farmers Farm Bureau Mutual vs. GEICO Farm Bureau Mutual vs. Infinity Farm Bureau Mutual vs. Liberty Mutual Farm Bureau Mutual vs. Mercury Farm Bureau Mutual vs. MetLife Farm Bureau Mutual vs. Nationwide Farm Bureau Mutual vs. North Star Mutual Farm Bureau Mutual vs. Progressive Farm Bureau Mutual vs. Safe Auto Farm Bureau Mutual vs. Safeco Farm Bureau Mutual vs. State Farm||21st Century vs. Allied 21st Century vs. Allstate 21st Century vs. American Family 21st Century vs. Amica Mutual Insurance 21st Century vs. Auto Club (AAA) 21st Century vs. Erie 21st Century vs. Esurance 21st Century vs. Farmers 21st Century vs. Foremost 21st Century vs. GEICO 21st Century vs. Infinity 21st Century vs. Liberty Mutual 21st Century vs. Mercury 21st Century vs. MetLife 21st Century vs. Nationwide 21st Century vs. North Star Mutual 21st Century vs. Progressive 21st Century vs. Safe Auto 21st Century vs. Safeco 21st Century vs. State Farm 21st Century vs. The General 21st Century vs. The Hartford 21st Century vs. Titan 21st Century vs. Travelers 21st Century vs. USAA|
|States Offered||Arizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota Utah||California|