Farm Bureau Mutual vs. Amica Mutual Insurance

Deciding on a car insurance company can be hard: companies' rates may vary based on your driving record, age, and location, and companies offer an array of perks. Farm Bureau Mutual and Amica are two of the most popular auto insurance companies, providing competitively priced insurance policies across most of the US.

To help simplify the comparison process, we gathered average rates from Amica and Farm Bureau Mutual. These rates cover a variety of rating factors, chief among which are credit score, driving record, and age. Examine these figures and find an affordable policy today.

Farm Bureau Mutual vs. Amica: premiums 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 premiums than Amica for drivers with credit scores of lower than 580. Insurance shoppers with outstanding credit — a score of 800 or better — should lean toward Farm Bureau Mutual, which typically beats Amica by $194 per year. View typical insurance rates by credit tier for Amica and Farm Bureau Mutual below.

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: AMICA VS. FARM BUREAU MUTUAL

Credit score	Farm Bureau Mutual avg. annual premium	Amica avg. annual premium
Very Poor (300-579)	$1,780	$2,010
Fair (580-669)	$1,126	$1,389
Good (670-739)	$1,193	$1,352
Very Good (740-799)	$932	$1,174
Exceptional (800-850)	$863	$1,057

Farm Bureau Mutual vs. Amica: rates for high-risk drivers

If you've got an at-fault collision, speeding violation, reckless driving citation, or DUI in your recent history, Farm Bureau Mutual could be a better choice than Amica. Each auto insurance company enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurance company suits you.

RATES BY VIOLATION: AMICA VS. FARM BUREAU MUTUAL

Violation	Farm Bureau Mutual avg. annual premium	Amica avg. annual premium
At-fault accident (damage < $1,000)	$1,224	$1,646
At-fault accident (damage > $1,000)	$1,294	$1,152
DUI/DWI	$1,850	$3,356
Reckless driving	$1,546	$2,761
Speeding ticket	$1,025	$1,390

Farm Bureau Mutual vs. Amica: rates by age

Insurers rely on age to outline risk potential, assigning rates accordingly. Car insurance is commonly expensive for drivers younger than 25 — thanks to their inexperience — and more affordable for older drivers. Because every auto insurance company rates ages differently, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Farm Bureau Mutual before Amica: Farm Bureau Mutual offers average yearly savings of $2,599 versusAmica.

AGE BRACKET INSURANCE RATE COMPARISON: AMICA VS. FARM BUREAU MUTUAL

Age tier	Farm Bureau Mutual avg. annual premium	Amica avg. annual premium
Teens	$2,767	$5,366
20s	$1,545	$1,631
30s	$984	$1,631
40s	$961	$1,151
50s	$866	$1,105
60s	$870	$1,066

Setting aside cost, Farm Bureau Mutual and Amica each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.