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Choosing an auto insurance company can be tough: rates fluctuate by driving history, age, and location, and companies offer an array of discounts. Farm Bureau Mutual and Auto Club (AAA) are two of the most popular insurance companies, selling high-quality insurance policies across many states.
To make shopping for car insurance easier, we gathered average rates from Auto Club (AAA) and Farm Bureau Mutual. The below rates cover a number of rating factors, including credit, driving record, and age. Check out the below rates and find the perfect policy for you.
If you have extremely bad credit, Farm Bureau Mutual could be the best option for you. Typically, Farm Bureau Mutual offers more affordable rates than Auto Club (AAA) for drivers with credit scores of 579 or less. Drivers with excellent credit — a score of 800 or better — should consider Farm Bureau Mutual, which typically beats Auto Club (AAA) by $1,951 per year. View average insurance rates by credit level for Auto Club (AAA) and Farm Bureau Mutual below.
|Credit score||Farm Bureau Mutual avg. annual premium||Auto Club (AAA) avg. annual premium|
|Very Poor (300-579)||$1,780||$6,569|
|Very Good (740-799)||$932||$3,004|
If you are carrying an at-fault accident, speeding violation, reckless driving citation, or DWI in your recent history, Farm Bureau Mutual could be a better choice than Auto Club (AAA). Every insurance company prices its policies differently, so it's worth comparing quotes to find out which insurance company suits you.
|Violation||Farm Bureau Mutual avg. annual premium||Auto Club (AAA) avg. annual premium|
|At-fault accident (damage < $1,000)||$1,224||$4,078|
|At-fault accident (damage > $1,000)||$1,294||$4,002|
Insurers use age to outline potential risk, pricing policies accordingly. A car insurance policy is usually more expensive for beginning and young drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every insurance company prices ages uniquely, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Farm Bureau Mutual instead of Auto Club (AAA): Farm Bureau Mutual offers average yearly savings of $7,489, compared to Auto Club (AAA).
|Age tier||Farm Bureau Mutual avg. annual premium||Auto Club (AAA) avg. annual premium|
Setting aside cost, there are myriad pros and cons of both Farm Bureau Mutual and Auto Club (AAA), including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Farm Bureau Mutual||Auto Club (AAA)|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Farm Bureau Mutual||Auto Club (AAA)|
|JD Power Rankings||Not Rated|
|Other Products||Farm Bureau Mutual||Auto Club (AAA)|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Farm Bureau Mutual||Auto Club (AAA)|
|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.||Auto Club provides its customers with customizable payment options, competitive rates and excellent features.|
|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.||AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.|
|Additional Discounts||None Available||AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.|
|Recent Questions||Can I bundle my renters and new car insurance?|
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.See More Questions
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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|