Farm Bureau Mutual vs. Allstate

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Farm Bureau Mutual or Allstate:
Which Company is Best for You?

Farm Bureau Mutual vs. Allstate insurance

Average monthly car insurance rate
Driver ProfileFarm Bureau MutualAllstate
At-Fault Accident (past 12 months)$117Save $134$251
Good Credit (670-739)$102Save $67$169
Bad Credit (300-579)$150Save $98$248
Low-Mileage Driver (<7,500 miles/year)$102Save $61$163

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 Mutual vs. Allstate: premium comparison


Farm Bureau Mutual vs. Allstate: rates 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:


RATES BY CREDIT LEVEL: ALLSTATE VS. FARM BUREAU MUTUAL
Credit scoreFarm Bureau Mutual avg. annual premiumAllstate avg. annual premium
Very Poor (300-579)$1,780$3,117
Fair (580-669)$1,126$2,162
Good (670-739)$1,193$2,021
Very Good (740-799)$932$1,820
Exceptional (800-850)$863$1,743

Farm Bureau Mutual vs. Allstate: rates for drivers with bad records

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.


RATES BY VIOLATION: ALLSTATE VS. FARM BUREAU MUTUAL
ViolationFarm Bureau Mutual avg. annual premiumAllstate avg. annual premium
At-fault accident (damage < $1,000)$1,224$3,006
At-fault accident (damage > $1,000)$1,294$2,290
DUI/DWI$1,850$3,637
Reckless driving$1,546$3,388
Speeding ticket$1,025$2,256

Farm Bureau Mutual vs. Allstate: rates 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.


COMPARING AUTO INSURANCE RATES BY AGE: ALLSTATE VS. FARM BUREAU MUTUAL
AgeFarm Bureau Mutual avg. annual premiumAllstate avg. annual premium
Teens$2,767$6,442
20s$1,545$2,636
30s$984$2,636
40s$961$1,912
50s$866$1,893
60s$870$1,768

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 ComparisonFarm Bureau MutualAllstate
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 ComparisonFarm Bureau MutualAllstate
Financial Strength N/AExcellent
JD Power Rankings N/AAverage
User Satisfaction N/AN/A
Other ProductsFarm Bureau MutualAllstate
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarm Bureau MutualAllstate
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.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 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.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 DiscountsNone AvailableAllstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.
Recent QuestionsCan you make your child a permissive user in order to get a discount?
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies.
See More Questions
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