Choosing a car insurance company can be complicated: rates can fluctuate by driving record, age, and location, and every company's discounts vary. Farm Bureau Mutual and Allied are two of the top car insurance companies, providing competitively priced insurance policies across large portions of America.
In an effort to take the sting out of shopping for car insurance, we gathered average policy rates from Allied and Farm Bureau Mutual. These take into consideration a variety of rating factors, including credit rating, driving history, and age. Examine these rates and find the right policy for you.
If you have very poor credit, Allied could be a better option for you. On average, Allied offers better premiums than Farm Bureau Mutual for drivers with credit scores of less than 580. Those with exceptional credit — a score of 800 or better — should consider View average insurance costs by credit tier for Allied and Farm Bureau Mutual below.
| Credit level | Farm Bureau Mutual avg. annual premium | Allied avg. annual premium |
| Very Poor (300-579) | $1,780 | $1,483 |
| Fair (580-669) | $1,126 | $1,097 |
| Good (670-739) | $1,193 | $1,104 |
| Very Good (740-799) | $932 | $920 |
| Exceptional (800-850) | $863 | $857 |
If you're saddled with an at-fault collision, speeding ticket, reckless driving violation, or DUI offense on your driving record, Farm Bureau Mutual could be a better choice than Allied. Each insurance company enacts rate penalties differently, so don't hesitate to shop around to understand which insurer is best for you.
| Citation | Farm Bureau Mutual avg. annual premium | Allied avg. annual premium |
| At-fault accident (damage < $1,000) | $1,224 | $1,662 |
| At-fault accident (damage > $1,000) | $1,294 | $1,221 |
| DUI/DWI | $1,850 | $2,708 |
| Reckless driving | $1,546 | $2,708 |
| Speeding ticket | $1,025 | $1,232 |
Car insurance companies rely on age as an estimator of risk, assigning rates accordingly. Auto insurance is commonly more expensive for teen drivers — due to their inexperience — and most affordable for middle-aged drivers. Because every car insurance company prices age brackets differently, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Farm Bureau Mutual before Allied: Farm Bureau Mutual offers average yearly savings of $759, compared to Allied.
| Age tier | Farm Bureau Mutual avg. annual premium | Allied avg. annual premium |
| Teens | $2,767 | $3,526 |
| 20s | $1,545 | $1,392 |
| 30s | $984 | $1,392 |
| 40s | $961 | $959 |
| 50s | $866 | $915 |
| 60s | $870 | $832 |
Costs aside, Farm Bureau Mutual and Allied each have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Farm Bureau Mutual | Allied |
|---|---|---|
| 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 | Allied |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A | A+ |
| Other Products | Farm Bureau Mutual | Allied |
|---|---|---|
| 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 | Allied |
|---|---|---|
| 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. | Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you. |
| 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. | Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts. |
| Additional Discounts | None Available | Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually. |
| Recent Questions | Will my insurance company cover my vehicle if my cousin was driving my car? Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process. If I claim my injuries after an accident, will that make my rates higher?Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options. Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?<span data-sheets-value="{"1":2,"2":"Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing. How much do car insurance rates go up after a DUI?<span data-sheets-value="{"1":2,"2":"Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none. See More Questions | |
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