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 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.
RATES BY CREDIT SCORE: AMERICAN FAMILY VS. FARM BUREAU MUTUAL
| Credit level | Farm Bureau Mutual avg. annual premium | American 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.
RATES BY VIOLATION: AMERICAN FAMILY VS. FARM BUREAU MUTUAL
| 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 |
| DUI/DWI | $1,850 | $1,857 |
| 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.
AGE BRACKET INSURANCE RATE COMPARISON: AMERICAN FAMILY VS. FARM BUREAU MUTUAL
| Age | Farm Bureau Mutual avg. annual premium | American Family avg. annual premium |
| Teens | $2,767 | $3,810 |
| 20s | $1,545 | $1,685 |
| 30s | $984 | $1,685 |
| 40s | $961 | $1,089 |
| 50s | $866 | $1,089 |
| 60s | $870 | $986 |
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 |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) | ||
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| Air Bags |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase |
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| Pay in Full | ||
| Home Owner | ||
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| Telematics |
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| New Vehicle | ||
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| Military |
| Ratings Comparison | Farm Bureau Mutual | American Family |
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| Financial Strength | N/A | Excellent |
| JD Power Rankings | N/A | Above average |
| User Satisfaction | N/A | N/A |
| Other Products | Farm Bureau Mutual | American Family |
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| Travel Trailer Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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