Farm Bureau Mutual vs Amica Mutual Insurance: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Farm Bureau Mutual or Amica Mutual Insurance: Which company is best for you?
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 Financial vs. Amica: 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.
INSURER RATES BY CREDIT SCORE: AMICA VS. FARM BUREAU FINANCIAL
| 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 Financial vs. Amica: by citation
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.
INSURER RATES BY VIOLATION: AMICA VS. FARM BUREAU FINANCIAL
| 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 Financial vs. Amica: 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.
INSURER RATES BY AGE: AMICA VS. FARM BUREAU FINANCIAL
| 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.
| Discount Comparison | Farm Bureau Mutual | Amica Mutual Insurance |
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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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| Good Driver |
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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 |
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| Affinity Membership Alum | ||
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| Pay in Full |
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| Telematics |
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| New Vehicle | ||
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| Military |
| Ratings Comparison | Farm Bureau Mutual | Amica Mutual Insurance |
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| Financial Strength | N/A | Superior |
| JD Power Rankings | N/A | Excellent |
| User Satisfaction | N/A | N/A |
| Other Products | Farm Bureau Mutual | Amica Mutual Insurance |
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| Travel Trailer Insurance |
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| Other Features | Farm Bureau Mutual | Amica Mutual Insurance |
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| 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. | At Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service. |
| 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. | Amica's roadside assistance program is available 24 hours a day to help with jump-starting a dead battery, changing a flat tire, delivering fuel if you run out of gas, and a towing up to 15 miles to the nearest repair facility. |
| Additional Discounts | None Available | Amica offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy. |
| Top States | Arizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota Utah | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |