Farm Bureau Mutual vs. American Family

Compare rates from the top car insurance companies in your area.

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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

Farm Bureau Mutual vs. American Family insurance

Average monthly car insurance rate
Driver ProfileFarm Bureau MutualAmerican Family
At-Fault Accident (past 12 months)$117Save $53$170
Good Credit (670-739)$102Save $11$113
Bad Credit (300-579)$150Save $40$190
Low-Mileage Driver (<7,500 miles/year)$102Save $8$110

Picking a car insurer can be hard: rates can vary based on your location, age, and driving history, and every company's discounts vary. Farm Bureau Mutual and American Family are two of the most popular insurance companies, providing high-quality coverage in many states.

To help simplify the process of comparing insurance companies, we have gathered average insurance rates from American Family and Farm Bureau Mutual. These take into account a variety of pricing factors, including credit rating, driving history, and age. Compare rates and find an affordable policy today.

Farm Bureau Mutual vs. American Family: rate comparison

Farm Bureau Mutual vs. American Family: pricing by credit score

If you have very poor credit, Farm Bureau Mutual could be the way to go. On average, Farm Bureau Mutual offers more affordable prices than American Family for drivers with credit scores of less than 580. Those with extraordinary credit — a score of 800-plus — should consider Farm Bureau Mutual, which typically beats American Family by $78 per year. Check out common insurance rates by credit tier for American Family and Farm Bureau Mutual below.

Credit levelFarm Bureau Mutual avg. annual premiumAmerican Family avg. annual premium
Very Poor (300-579)$1,780$1,931
Fair (580-669)$1,126$1,294
Good (670-739)$1,193$1,220
Very Good (740-799)$932$1,009
Exceptional (800-850)$863$941

Farm Bureau Mutual vs. American Family: high-risk insurance rates

If you've got an at-fault accident, speeding ticket, reckless driving violation, or DUI on your résumé, Farm Bureau Mutual could be a better choice than American Family. Every insurer enacts rate penalties differently, so always do your due diligence and compare quotes to find out which insurance company suits you.

ViolationFarm Bureau Mutual avg. annual premiumAmerican Family avg. annual premium
At-fault accident (damage < $1,000)$1,224$1,763
At-fault accident (damage > $1,000)$1,294$990
Reckless driving$1,546$1,857
Speeding ticket$1,025$1,270

Farm Bureau Mutual vs. American Family: rates by age

Insurance companies use a driver's age as an estimator of risk, assigning rates accordingly. Insurance is commonly most expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Since every insurance company evaluates 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 American Family: Farm Bureau Mutual offers average yearly savings of $1,043, compared to American Family.

AgeFarm Bureau Mutual avg. annual premiumAmerican Family avg. annual premium

Affordability aside, there are myriad pros and cons of both Farm Bureau Mutual and American Family, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarm Bureau MutualAmerican Family
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
New Vehicle
Annual Mileage
Ratings ComparisonFarm Bureau MutualAmerican Family
Financial Strength N/AExcellent
JD Power Rankings N/ABelow average
User Satisfaction N/AN/A
Other ProductsFarm Bureau MutualAmerican Family
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarm Bureau MutualAmerican Family
Roadside Assistance
Additional DiscountsNone AvailableNone Available
Recent Questions
Compare MoreFarm Bureau Mutual vs. 21st Century Farm Bureau Mutual vs. Allied Farm Bureau Mutual vs. Allstate Farm Bureau Mutual vs. Amica Mutual Insurance Farm Bureau Mutual vs. Auto Club (AAA) Farm Bureau Mutual vs. Erie Farm Bureau Mutual vs. Farmers Farm Bureau Mutual vs. GEICO Farm Bureau Mutual vs. Infinity Farm Bureau Mutual vs. Liberty Mutual Farm Bureau Mutual vs. Mercury Farm Bureau Mutual vs. MetLife Farm Bureau Mutual vs. Nationwide Farm Bureau Mutual vs. North Star Mutual Farm Bureau Mutual vs. Progressive Farm Bureau Mutual vs. Safe Auto Farm Bureau Mutual vs. Safeco Farm Bureau Mutual vs. State FarmAmerican Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. Safe Auto American Family vs. Safeco American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA
Top StatesArizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota UtahArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas