Farm Bureau Mutual vs AAA: Which is Better for You?

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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 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.


Farm Bureau Financial vs. AAA: 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 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

Farm Bureau Financial vs. AAA: by citation

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

Farm Bureau Financial vs. AAA: 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 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 supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver supported
Defensive Driver
Student Away at School supported
Driver Training supported supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase supported
Pay in Full supported
Home Owner
eSign or ePay
Telematics supported supported
New Vehicle
Annual Mileage supported supported
Ratings Comparison Farm Bureau Mutual Auto Club (AAA)
Financial Strength Question mark icon N/A Superior
JD Power Rankings Question mark icon N/A Below average
User Satisfaction Question mark icon N/A N/A
Other Products Farm Bureau Mutual Auto Club (AAA)
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
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 Original Owner Discount, and maintains a wide-ranging rewards program for AAA members.
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