Farm Bureau Mutual vs. Auto Club (AAA) insurance

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Farm Bureau Mutual or Auto Club (AAA):
Which Company is Best for You?

Choosing an auto insurance company can be tough: rates fluctuate by driving history, age, and location, and companies offer an array of discounts. Farm Bureau Mutual and Auto Club (AAA) are two of the most popular insurance companies, selling high-quality insurance policies across many states.

To make shopping for car insurance easier, we gathered average rates from Auto Club (AAA) and Farm Bureau Mutual. The below rates cover a number of rating factors, including credit, driving record, and age. Check out the below rates and find the perfect policy for you.

Compare Farm Bureau Mutual vs. Auto Club (AAA) auto insurance rates

Farm Bureau Mutual vs. Auto Club (AAA): rates by credit level

If you have extremely bad credit, Farm Bureau Mutual could be the best option for you. Typically, Farm Bureau Mutual offers more affordable rates than Auto Club (AAA) for drivers with credit scores of 579 or less. Drivers with excellent credit — a score of 800 or better — should consider Farm Bureau Mutual, which typically beats Auto Club (AAA) by $1,951 per year. View average insurance rates by credit level for Auto Club (AAA) and Farm Bureau Mutual below.

Credit scoreFarm Bureau Mutual avg. annual premiumAuto Club (AAA) avg. annual premium
Very Poor (300-579)$1,780$6,569
Fair (580-669)$1,126$4,023
Good (670-739)$1,193$3,723
Very Good (740-799)$932$3,004
Exceptional (800-850)$863$2,814

Farm Bureau Mutual vs. Auto Club (AAA): high-risk insurance rate comparison

If you are carrying an at-fault accident, speeding violation, reckless driving citation, or DWI in your recent history, Farm Bureau Mutual could be a better choice than Auto Club (AAA). Every insurance company prices its policies differently, so it's worth comparing quotes to find out which insurance company suits you.

ViolationFarm Bureau Mutual avg. annual premiumAuto Club (AAA) avg. annual premium
At-fault accident (damage < $1,000)$1,224$4,078
At-fault accident (damage > $1,000)$1,294$4,002
Reckless driving$1,546$5,530
Speeding ticket$1,025$4,078

Farm Bureau Mutual vs. Auto Club (AAA): rates by age

Insurers use age to outline potential risk, pricing policies accordingly. A car insurance policy is usually more expensive for beginning and young drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every insurance company prices ages uniquely, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose Farm Bureau Mutual instead of Auto Club (AAA): Farm Bureau Mutual offers average yearly savings of $7,489, compared to Auto Club (AAA).

Age tierFarm Bureau Mutual avg. annual premiumAuto Club (AAA) avg. annual premium

Setting aside cost, there are myriad pros and cons of both Farm Bureau Mutual and Auto Club (AAA), including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarm Bureau MutualAuto Club (AAA)
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
New Vehicle
Annual Mileage
Ratings ComparisonFarm Bureau MutualAuto Club (AAA)
Financial Strength ExcellentGood
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
User Satisfaction



Other ProductsFarm Bureau MutualAuto Club (AAA)
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarm Bureau MutualAuto Club (AAA)
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.Auto Club provides its customers with customizable payment options, competitive rates and excellent features.
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.AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.
Additional DiscountsNone AvailableAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.
Recent QuestionsCan I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
See More Questions
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