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.
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.
| 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 |
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.
| 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 |
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 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 |
|---|---|---|
| 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 | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Farm Bureau Mutual | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A | A+ |
| Other Products | Farm Bureau Mutual | Amica Mutual Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |