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.
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:
|Credit score||Farm Bureau Mutual avg. annual premium||Allstate avg. annual premium|
|Very Poor (300-579)||$1,780||$3,117|
|Very Good (740-799)||$932||$1,820|
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.
|Violation||Farm Bureau Mutual avg. annual premium||Allstate avg. annual premium|
|At-fault accident (damage < $1,000)||$1,224||$3,006|
|At-fault accident (damage > $1,000)||$1,294||$2,290|
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.
|Age||Farm Bureau Mutual avg. annual premium||Allstate avg. annual premium|
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 Comparison||Farm Bureau Mutual||Allstate|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Farm Bureau Mutual||Allstate|
|JD Power Rankings||Not Rated out of 5||3 out of 5|
|Other Products||Farm Bureau Mutual||Allstate|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Farm Bureau Mutual||Allstate|
|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.||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 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.||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 Discounts||None Available||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.|
|Recent Questions||Can I still be on my parent’s car insurance?|
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
If I am renting an apartment can I still be on my parents car insurance? I am 22 years old ...
Can an insurance company force add me to a policy even if I do not drive?
There was a parking spot near where the gate extends to and I parked too close. When the door opened, ...
Can a claim be denied if I have scheduled personal property coverage for a home where I’m no longer living?
My senior parents have full coverage on their car and have been with their insurance company, Allstate, for several years ...
See More Questions
I’ve had my homeowners insurance with Allstate for the last 20 years that covers several properties I own in Texas ...
|Compare More||Farm 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. SAFECO Farm Bureau Mutual vs. Safe Auto Farm Bureau Mutual vs. State Farm||Allstate 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 Allstate vs. SAFECO Allstate vs. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA|
|States Offered||Arizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota Utah||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...