Farm Bureau Mutual vs. Progressive Car Insurance

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

Picking a car insurer is complex: rates may vary by driving record, location, and age, and every company provides a different set of discounts. Farm Bureau Mutual and Progressive are two of the top insurance companies, selling competitively priced coverage in most American states.

In an effort to simplify the comparison process, we gathered average insurance rates from Progressive and Farm Bureau Mutual. The below cover a variety of rating factors, including credit, driving history, and age. Examine these rates and find an affordable policy today.


Farm Bureau Mutual vs. Progressive: insurance rate comparison


Farm Bureau Mutual vs. Progressive: by credit level

If you have very poor credit, Farm Bureau Mutual could be a better option for you. Typically, Farm Bureau Mutual offers better prices than Progressive for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should consider Farm Bureau Mutual, which typically beats Progressive by $457 per year. Check out typical insurance costs by credit tier for Progressive and Farm Bureau Mutual below.


CREDIT SCORE INSURANCE RATE COMPARISON: PROGRESSIVE VS. FARM BUREAU MUTUAL
Credit levelFarm Bureau Mutual avg. annual premiumProgressive avg. annual premium
Very Poor (300-579)$1,780$3,602
Fair (580-669)$1,126$2,127
Good (670-739)$1,193$1,708
Very Good (740-799)$932$1,453
Exceptional (800-850)$863$1,320

Farm Bureau Mutual vs. Progressive: rates for high-risk drivers

If you have an at-fault crash, speeding ticket, reckless driving violation, or DWI in your recent history, Farm Bureau Mutual could be a better choice than Progressive. Every car insurance company prices policies differently after a violation, so don't hesitate to shop around to find out which insurance company suits you.


RATES BY CITATION: PROGRESSIVE VS. FARM BUREAU MUTUAL
ViolationFarm Bureau Mutual avg. annual premiumProgressive avg. annual premium
At-fault accident (damage < $1,000)$1,224$2,720
At-fault accident (damage > $1,000)$1,294$2,245
DUI/DWI$1,850$2,201
Reckless driving$1,546$2,457
Speeding ticket$1,025$2,091

Farm Bureau Mutual vs. Progressive: rates by age

Insurers use a driver's age as an indicator of potential risk, assigning rates accordingly. An insurance policy is commonly most expensive for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for drivers aged 25 or older. Since every insurance company prices age tiers uniquely, it's a smart move to shop around.

As a general rule, teen drivers should choose Farm Bureau Mutual instead of Progressive: Farm Bureau Mutual offers average yearly savings of $5,481, compared to Progressive.


RATES BY AGE BRACKET: PROGRESSIVE VS. FARM BUREAU MUTUAL
AgeFarm Bureau Mutual avg. annual premiumProgressive avg. annual premium
Teens$2,767$8,248
20s$1,545$2,287
30s$984$2,287
40s$961$1,644
50s$866$1,542
60s$870$1,403

Aside from affordability, Farm Bureau Mutual and Progressive both have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarm Bureau MutualProgressive
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 MutualProgressive
Financial Strength ExcellentSuperior
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+

Other ProductsFarm Bureau MutualProgressive
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Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
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Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarm Bureau MutualProgressive
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.Progressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.
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.Progressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.
Additional DiscountsNone AvailableProgressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.
Recent QuestionsDo I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.
I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
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. Progressive

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