Farm Bureau Mutual vs American Family: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Farm Bureau Mutual or American Family: Which company is best for you?
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 Financial vs. American Family: by credit level
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.
INSURER RATES BY CREDIT SCORE: AMERICAN FAMILY VS. FARM BUREAU FINANCIAL
|Credit level||Farm Bureau Mutual avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$1,780||$1,931|
|Very Good (740-799)||$932||$1,009|
Farm Bureau Financial vs. American Family: by citation
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.
INSURER RATES BY VIOLATION: AMERICAN FAMILY VS. FARM BUREAU FINANCIAL
|Violation||Farm Bureau Mutual avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$1,224||$1,763|
|At-fault accident (damage > $1,000)||$1,294||$990|
Farm Bureau Financial vs. American Family: 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.
INSURER RATES BY AGE: AMERICAN FAMILY VS. FARM BUREAU FINANCIAL
|Age||Farm Bureau Mutual avg. annual premium||American 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 Comparison||Farm Bureau Mutual||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Farm Bureau Mutual||American Family|
|JD Power Rankings||N/A||Above average|
|Other Products||Farm Bureau Mutual||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Farm Bureau Mutual||American Family|
|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.||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.|
|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.||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).|
|Additional Discounts||None Available||None Available|
|Top States||Arizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota Utah||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|