Farm Bureau Mutual vs Allstate: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Farm Bureau Mutual or Allstate: Which company is best for you?
Deciding on an auto insurance company can be tough: rates may vary based on your driving record, location, and age, and every company's discounts vary. Farm Bureau Mutual and Allstate are two of the most popular auto insurance companies, selling affordable coverage across large swaths of the US.
In an effort to make shopping for car insurance easier, we've collected typical rates from Allstate and Farm Bureau Mutual. These take into account myriad rating factors, chief among which are credit, driving behavior, and age. Take a look at these rates and find your next car insurance policy today.
Farm Bureau Financial vs. Allstate: by credit level
If you have very poor credit, Farm Bureau Mutual could be preferable to Farm Bureau Mutual. On average, Farm Bureau Mutual offers lower premiums than Allstate for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should lean toward Farm Bureau Mutual, which typically beats Allstate by $880 per year. View typical insurance rates by credit tier for Allstate and Farm Bureau Mutual:
INSURER RATES BY CREDIT SCORE: ALLSTATE VS. FARM BUREAU FINANCIAL
|Credit score||Farm Bureau Mutual avg. annual premium||Allstate avg. annual premium|
|Very Poor (300-579)||$1,780||$3,117|
|Very Good (740-799)||$932||$1,820|
Farm Bureau Financial vs. Allstate: by citation
If you have an at-fault accident, speeding violation, reckless driving citation, or DUI on your record, Farm Bureau Mutual could be a better choice than Allstate. Every auto insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to figure out which insurer suits you.
INSURER RATES BY VIOLATION: ALLSTATE VS. FARM BUREAU FINANCIAL
|Violation||Farm Bureau Mutual avg. annual premium||Allstate avg. annual premium|
|At-fault accident (damage < $1,000)||$1,224||$3,006|
|At-fault accident (damage > $1,000)||$1,294||$2,290|
Farm Bureau Financial vs. Allstate: by age
Insurance companies rely on age as an indicator of potential risk, pricing policies accordingly. Insurance is typically expensive for drivers younger than 25 — thanks to their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company evaluates age tiers in a different way, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose Farm Bureau Mutual over Allstate: Farm Bureau Mutual offers average yearly savings of $3,675 versusAllstate.
INSURER RATES BY AGE: ALLSTATE VS. FARM BUREAU FINANCIAL
|Age||Farm Bureau Mutual avg. annual premium||Allstate avg. annual premium|
Setting aside cost, Farm Bureau Mutual and Allstate each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||Farm Bureau Mutual||Allstate|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Farm Bureau Mutual||Allstate|
|JD Power Rankings||N/A||Average|
|Other Products||Farm Bureau Mutual||Allstate|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Farm Bureau Mutual||Allstate|
|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.||Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today.|
|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.||Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).|
|Additional Discounts||None Available||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.|
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