Farm Bureau Mutual vs. Nationwide Car Insurance

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

Deciding on a car insurance company is difficult: the rates each insurer offers can vary widely based on your driving record, location, and age, and every company's discounts vary. Farm Bureau Mutual and Nationwide are two of the most popular insurers, offering affordable insurance policies across most of America.

To help simplify the process of comparing insurance companies, we've gathered typical policy prices from Nationwide and Farm Bureau Mutual. These cover a variety of rating factors, including credit rating, driving behavior, and demographics. Compare rates and find the perfect policy for you.


Farm Bureau Mutual vs. Nationwide: insurance rate comparison


Farm Bureau Mutual vs. Nationwide: premiums by credit level

If you have very bad credit, Nationwide could be a better option for you. On average, Nationwide offers cheaper rates than Farm Bureau Mutual for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800-plus — should opt for Farm Bureau Mutual, which typically beats Nationwide by $174 per year. Check out common insurance costs by credit score for Nationwide and Farm Bureau Mutual below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: NATIONWIDE VS. FARM BUREAU MUTUAL
Credit levelFarm Bureau Mutual avg. annual premiumNationwide avg. annual premium
Very Poor (300-579)$1,780$1,593
Fair (580-669)$1,126$1,262
Good (670-739)$1,193$1,283
Very Good (740-799)$932$1,109
Exceptional (800-850)$863$1,037

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

If you're carrying an at-fault collision, speeding ticket, reckless driving citation, or DUI on your driving record, Farm Bureau Mutual could be a better choice than Nationwide. Every insurance company will handle driving offenses differently, so it's worth comparing quotes to figure out which insurer is best for you.


HIGH-RISK INSURANCE RATE COMPARISON: NATIONWIDE VS. FARM BUREAU MUTUAL
InfractionFarm Bureau Mutual avg. annual premiumNationwide avg. annual premium
At-fault accident (damage < $1,000)$1,224$1,836
At-fault accident (damage > $1,000)$1,294$1,475
DUI/DWI$1,850$2,691
Reckless driving$1,546$2,508
Speeding ticket$1,025$1,469

Farm Bureau Mutual vs. Nationwide: rates by age bracket

Insurance companies rely on a driver's age to outline risk potential, pricing policies on a sliding scale. An insurance policy is usually priciest for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for older drivers. Because each insurance company evaluates age tiers differently, it's a smart move to shop around.

As a general rule, teen drivers should choose Farm Bureau Mutual over Nationwide: Farm Bureau Mutual offers average yearly savings of $857, compared to Nationwide.


AGE BRACKET INSURANCE RATE COMPARISON: NATIONWIDE VS. FARM BUREAU MUTUAL
AgeFarm Bureau Mutual avg. annual premiumNationwide avg. annual premium
Teens$2,767$3,624
20s$1,545$1,582
30s$984$1,582
40s$961$1,151
50s$866$1,114
60s$870$1,028

Aside from finances, Farm Bureau Mutual and Nationwide each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarm Bureau MutualNationwide
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 MutualNationwide
Financial Strength ExcellentSuperior
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A

A+

Other ProductsFarm Bureau MutualNationwide
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarm Bureau MutualNationwide
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.Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior 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.Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.
Additional DiscountsNone AvailableNationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.
Recent QuestionsWhat's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.
I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.
If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.
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. Nationwide

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