Farm Bureau Mutual vs. Erie Car Insurance

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

Choosing an auto insurance company is sometimes difficult: rates vary based on your driving history, age, and location, and companies offer an array of perks. Farm Bureau Mutual and Erie are two of the top insurers, providing competitively priced policies in most states.

To help simplify the process of comparing insurance companies, we've gathered average policy rates from Erie and Farm Bureau Mutual. These cover a variety of rating factors, including credit rating, driving behavior, and age. Check out the below rates and find the right policy for you.


Farm Bureau Mutual vs. Erie: rate comparison


Farm Bureau Mutual vs. Erie: prices by credit level

If you have extremely bad credit, Farm Bureau Mutual could be preferable to Farm Bureau Mutual. On average, Farm Bureau Mutual offers more affordable rates than Erie for drivers with credit scores of lower than 580. Drivers with extraordinary credit — a score of 800 or better — should favor View common insurance rates by credit level for Erie and Farm Bureau Mutual:


RATES BY CREDIT SCORE: ERIE VS. FARM BUREAU MUTUAL
Credit levelFarm Bureau Mutual avg. annual premiumErie avg. annual premium
Very Poor (300-579)$1,780$2,402
Fair (580-669)$1,126$1,040
Good (670-739)$1,193$894
Very Good (740-799)$932$743
Exceptional (800-850)$863$726

Farm Bureau Mutual vs. Erie: rates for bad drivers

If you are dealing with an at-fault accident, speeding violation, reckless driving violation, or DWI on your record, Erie could be a better choice than Farm Bureau Mutual. Every insurance company enacts rate penalties differently, so don't be afraid to shop around to find out which insurer is best for you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: ERIE VS. FARM BUREAU MUTUAL
ViolationFarm Bureau Mutual avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$1,224$893
At-fault accident (damage > $1,000)$1,294$772
DUI/DWI$1,850$1,163
Reckless driving$1,546$760
Speeding ticket$1,025$747

Farm Bureau Mutual vs. Erie: rates by age

Car insurance companies use a driver's age to indicate risk, pricing policies accordingly. An auto insurance policy is often most expensive for beginning and young drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company prices age brackets uniquely, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose Erie over Farm Bureau Mutual: the former's average annual rates are $529 less than the latter's..


COMPARING AUTO INSURANCE RATES BY AGE: ERIE VS. FARM BUREAU MUTUAL
AgeFarm Bureau Mutual avg. annual premiumErie avg. annual premium
Teens$2,767$2,238
20s$1,545$1,108
30s$984$1,108
40s$961$755
50s$866$692
60s$870$676

Aside from finances, Farm Bureau Mutual and Erie 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 MutualErie
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 MutualErie
Financial Strength ExcellentSuperior
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
User Satisfaction

A

A+

Other ProductsFarm Bureau MutualErie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarm Bureau MutualErie
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.Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service.
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.Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown.
Additional DiscountsNone AvailableErie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period.
Recent QuestionsWill Erie reinstate my policy after non-payment?
It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
I was injured in a car accident two months ago, can I still file a claim?
The statute of limitations for filing a bodily injury claim in North Carolina is 3 years. So you are still within your legal time frame to file a claim even though your car's claim was completed.
How long can an insurance company wait to pay out your claim?
Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout.
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.
See More Questions
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States OfferedArizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota UtahIllinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia
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Farm Bureau Mutual vs. Erie

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