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 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 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.
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 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 AAA by $1,951 per year. View average insurance rates by credit level for AAA and Farm Bureau Mutual below.
| Credit score | Farm Bureau Mutual avg. annual premium | 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 |
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 AAA. Every insurance company prices its policies differently, so it's worth comparing quotes to find out which insurance company suits you.
| Violation | Farm Bureau Mutual avg. annual premium | AAA avg. annual premium |
| At-fault accident (damage < $1,000) | $1,224 | $4,078 |
| At-fault accident (damage > $1,000) | $1,294 | $4,002 |
| DUI/DWI | $1,850 | $5,530 |
| Reckless driving | $1,546 | $5,530 |
| Speeding ticket | $1,025 | $4,078 |
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 AAA: Farm Bureau Mutual offers average yearly savings of $7,489, compared to AAA.
| Age tier | Farm Bureau Mutual avg. annual premium | AAA avg. annual premium |
| Teens | $2,767 | $10,256 |
| 20s | $1,545 | $4,644 |
| 30s | $984 | $4,644 |
| 40s | $961 | $3,195 |
| 50s | $866 | $3,083 |
| 60s | $870 | $2,887 |
Setting aside cost, there are myriad pros and cons of both Farm Bureau Mutual and AAA, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Farm Bureau Mutual | Auto 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 | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Farm Bureau Mutual | Auto Club (AAA) |
|---|---|---|
| Financial Strength | Excellent | Good |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A | N/A |
| Other Products | Farm Bureau Mutual | Auto Club (AAA) |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Farm Bureau Mutual | Auto Club (AAA) |
|---|---|---|
| About | Farm 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 Assistance | Farm 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 Discounts | None Available | AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members. |
| Recent Questions | Can 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 policyI 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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