Farm Bureau Mutual vs. Allstate Car Insurance

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Farm Bureau Mutual or Allstate:
Which Company is Best for You?

Deciding on an auto insurance company can be tough: rates may vary based on your driving record, location, and age, and every company's discounts vary. Farm Bureau Mutual and Allstate are two of the most popular auto insurance companies, selling affordable coverage across large swaths of the US.

In an effort to make shopping for car insurance easier, we've collected typical rates from Allstate and Farm Bureau Mutual. These take into account myriad rating factors, chief among which are credit, driving behavior, and age. Take a look at these rates and find your next car insurance policy today.


Farm Bureau Mutual vs. Allstate: premium comparison


Farm Bureau Mutual vs. Allstate: rates by credit level

If you have very poor credit, Farm Bureau Mutual could be preferable to Farm Bureau Mutual. On average, Farm Bureau Mutual offers lower premiums than Allstate for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should lean toward Farm Bureau Mutual, which typically beats Allstate by $880 per year. View typical insurance rates by credit tier for Allstate and Farm Bureau Mutual:


RATES BY CREDIT LEVEL: ALLSTATE VS. FARM BUREAU MUTUAL
Credit scoreFarm Bureau Mutual avg. annual premiumAllstate avg. annual premium
Very Poor (300-579)$1,780$3,117
Fair (580-669)$1,126$2,162
Good (670-739)$1,193$2,021
Very Good (740-799)$932$1,820
Exceptional (800-850)$863$1,743

Farm Bureau Mutual vs. Allstate: rates for drivers with bad records

If you have an at-fault accident, speeding violation, reckless driving citation, or DUI on your record, Farm Bureau Mutual could be a better choice than Allstate. Every auto insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to figure out which insurer suits you.


RATES BY VIOLATION: ALLSTATE VS. FARM BUREAU MUTUAL
ViolationFarm Bureau Mutual avg. annual premiumAllstate avg. annual premium
At-fault accident (damage < $1,000)$1,224$3,006
At-fault accident (damage > $1,000)$1,294$2,290
DUI/DWI$1,850$3,637
Reckless driving$1,546$3,388
Speeding ticket$1,025$2,256

Farm Bureau Mutual vs. Allstate: rates by age

Insurance companies rely on age as an indicator of potential risk, pricing policies accordingly. Insurance is typically expensive for drivers younger than 25 — thanks to their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company evaluates age tiers in a different way, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose Farm Bureau Mutual over Allstate: Farm Bureau Mutual offers average yearly savings of $3,675 versusAllstate.


COMPARING AUTO INSURANCE RATES BY AGE: ALLSTATE VS. FARM BUREAU MUTUAL
AgeFarm Bureau Mutual avg. annual premiumAllstate avg. annual premium
Teens$2,767$6,442
20s$1,545$2,636
30s$984$2,636
40s$961$1,912
50s$866$1,893
60s$870$1,768

Setting aside cost, Farm Bureau Mutual and Allstate each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonFarm Bureau MutualAllstate
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 MutualAllstate
Financial Strength ExcellentSuperior
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+

Other ProductsFarm Bureau MutualAllstate
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Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
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Mobile Home Insurance
Other FeaturesFarm Bureau MutualAllstate
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.Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.
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.Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.
Additional DiscountsNone AvailableAllstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.
Recent QuestionsDo I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.
Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.
See More Questions
Compare MoreFarm Bureau Mutual vs. 21st Century Farm Bureau Mutual vs. Allied 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 FarmAllstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. North Star Mutual Allstate vs. Progressive Allstate vs. Root Insurance Allstate vs. Safe Auto Allstate vs. Safeco Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA
States OfferedArizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota UtahArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Farm Bureau Mutual vs. Allstate

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