Farm Bureau Mutual vs. Farmers Car Insurance

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

Selecting a car insurance company can be hard: companies' rates differ based on your location, vehicle, and driving record, and every company provides a different set of discounts. Farm Bureau Mutual and Farmers are two of the most popular insurance companies, providing competitively priced insurance policies across many states.

In an effort to simplify the comparison process, we've pulled average policy prices from Farmers and Farm Bureau Mutual. These rates cover myriad pricing factors, including credit history, driving record, and age. Take a look at these rates and find the perfect policy for you.


Compare Farm Bureau Mutual vs. Farmers auto insurance rates


Farm Bureau Mutual vs. Farmers: by credit level

If you have extremely bad credit, Farm Bureau Mutual could be a better option for you. Typically, Farm Bureau Mutual offers more affordable rates than Farmers for prospective clients with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or higher — should opt for Farm Bureau Mutual, which typically beats Farmers by $491 per year. Check out typical insurance rates by credit score for Farmers and Farm Bureau Mutual:


RATES BY CREDIT LEVEL: FARMERS VS. FARM BUREAU MUTUAL
Credit scoreFarm Bureau Mutual avg. annual premiumFarmers avg. annual premium
Very Poor (300-579)$1,780$2,633
Fair (580-669)$1,126$1,736
Good (670-739)$1,193$1,882
Very Good (740-799)$932$1,459
Exceptional (800-850)$863$1,354

Farm Bureau Mutual vs. Farmers: costs for high-risk drivers

If you have an at-fault crash, speeding violation, reckless driving citation, or DUI in your rear view mirror, Farm Bureau Mutual could be a better choice than Farmers. Every insurer will handle driving offenses differently, so don't be afraid to shop around to figure out which insurance company suits you.


HIGH-RISK INSURANCE RATE COMPARISON: FARMERS VS. FARM BUREAU MUTUAL
CitationFarm Bureau Mutual avg. annual premiumFarmers avg. annual premium
At-fault accident (damage < $1,000)$1,224$2,334
At-fault accident (damage > $1,000)$1,294$1,699
DUI/DWI$1,850$3,239
Reckless driving$1,546$4,636
Speeding ticket$1,025$2,045

Farm Bureau Mutual vs. Farmers: rates by age

Insurance companies use a driver's age to indicate risk, assigning rates on a sliding scale. An auto insurance policy is commonly priciest for teen drivers — due to their increased odds of being involved in an accident — and more affordable for drivers aged 25 or older. Because each insurance company rates ages in a different way, it's smart to shop around and find a great rate.

As a general rule, teen drivers should choose Farm Bureau Mutual over Farmers: Farm Bureau Mutual offers average yearly savings of $3,751, compared to Farmers.


RATES BY AGE: FARMERS VS. FARM BUREAU MUTUAL
Age tierFarm Bureau Mutual avg. annual premiumFarmers avg. annual premium
Teens$2,767$6,518
20s$1,545$2,020
30s$984$2,020
40s$961$1,511
50s$866$1,507
60s$870$1,402

Finances aside, there are myriad pros and cons of both Farm Bureau Mutual and Farmers, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarm Bureau MutualFarmers
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 MutualFarmers
Financial Strength ExcellentExcellent
JD Power Rankings
Not Rated out of 5
3 out of 5
User Satisfaction

A

A+

Other ProductsFarm Bureau MutualFarmers
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarm Bureau MutualFarmers
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.Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim 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.Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.
Additional DiscountsNone AvailableFarmers offers an additional discount for seniors.
Recent QuestionsAre some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

Does Farmers allow exclusions?

Can I exclude my boyfriend on my Farmer’s car insurance policy?...

Will my farmers insurance cover my towing off the the NJ turnpike

Car was towed to the nearest exit off of the turnpike...

Will insurance cover someone other than the insured?

My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...

See More Questions
Compare MoreFarm Bureau Mutual vs. 21st Century Farm Bureau Mutual vs. Allied Farm Bureau Mutual vs. Allstate 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. 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 FarmFarmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. SAFECO Farmers vs. Safe Auto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA
States OfferedArizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota UtahArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Farm Bureau Mutual vs. Farmers

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