Picking a car insurer can be hard: rates can vary based on your location, age, and driving history, and every company's discounts vary. Farm Bureau Mutual and American Family are two of the most popular insurance companies, providing high-quality coverage in many states.
To help simplify the process of comparing insurance companies, we have gathered average insurance rates from American Family and Farm Bureau Mutual. These take into account a variety of pricing factors, including credit rating, driving history, and age. Compare rates and find an affordable policy today.
If you have very poor credit, Farm Bureau Mutual could be the way to go. On average, Farm Bureau Mutual offers more affordable prices than American Family for drivers with credit scores of less than 580. Those with extraordinary credit — a score of 800-plus — should consider Farm Bureau Mutual, which typically beats American Family by $78 per year. Check out common insurance rates by credit tier for American Family and Farm Bureau Mutual below.
|Credit level||Farm Bureau Mutual avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$1,780||$1,931|
|Very Good (740-799)||$932||$1,009|
If you've got an at-fault accident, speeding ticket, reckless driving violation, or DUI on your résumé, Farm Bureau Mutual could be a better choice than American Family. Every insurer enacts rate penalties differently, so always do your due diligence and compare quotes to find out which insurance company suits you.
|Violation||Farm Bureau Mutual avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$1,224||$1,763|
|At-fault accident (damage > $1,000)||$1,294||$990|
Insurance companies use a driver's age as an estimator of risk, assigning rates accordingly. Insurance is commonly most expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Since every insurance company evaluates age brackets differently, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Farm Bureau Mutual before American Family: Farm Bureau Mutual offers average yearly savings of $1,043, compared to American Family.
|Age||Farm Bureau Mutual avg. annual premium||American Family avg. annual premium|
Affordability aside, there are myriad pros and cons of both Farm Bureau Mutual and American Family, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Farm Bureau Mutual||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Farm Bureau Mutual||American Family|
|JD Power Rankings||Not Rated out of 5||4 out of 5|
|Other Products||Farm Bureau Mutual||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Farm Bureau Mutual||American Family|
|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.||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.|
|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.||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).|
|Additional Discounts||None Available||None Available|
|Recent Questions||Are some insurance providers better suited to my needs than others to get the best rate?|
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|Compare More||Farm Bureau Mutual vs. 21st Century Farm Bureau Mutual vs. Allied Farm Bureau Mutual vs. Allstate 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||American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. SAFECO American Family vs. Safe Auto American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family 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|
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