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
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+

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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?
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.
See More Questions
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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. Farmers

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