Farm Bureau Mutual vs. GEICO

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Farm Bureau Mutual or GEICO: Which Company is Best for You?

Choosing an auto insurance company is sometimes difficult: companies' rates vary based on your driving history, age, and location, and insurers offer a variety of perks. Farm Bureau Mutual and GEICO are two of the nation's most popular car insurance companies, providing high-quality policies across many states.

In an effort to make insurance shopping seamless, we have gathered average policy rates from GEICO and Farm Bureau Mutual. These take into consideration a variety of rating factors, including credit quality, driving history, and age. Examine these figures and find the perfect policy for you.

 

Farm Bureau Mutual vs. GEICO: by credit level

If you have extremely bad credit, Farm Bureau Mutual could be a better option for you. On average, Farm Bureau Mutual offers cheaper premiums than GEICO for drivers with credit scores of 579 or less. Drivers with outstanding credit — a score of 800 or better — should favor Farm Bureau Mutual, which typically beats GEICO by $201 per year. Check out common insurance rates by credit score for GEICO and Farm Bureau Mutual:

 
CREDIT SCORE INSURANCE RATE COMPARISON: GEICO VS. FARM BUREAU MUTUAL
Credit level Farm Bureau Mutual avg. annual premium GEICO avg. annual premium
Very Poor (300-579) $1,780 $2,051
Fair (580-669) $1,126 $1,358
Good (670-739) $1,193 $1,485
Very Good (740-799) $932 $1,120
Exceptional (800-850) $863 $1,064
 

Farm Bureau Mutual vs. GEICO: costs for high-risk drivers

If you have an at-fault collision, speeding ticket, reckless driving citation, or DWI in your recent history, Farm Bureau Mutual could be a better choice than GEICO. Every insurer prices its policies differently, so it's worth comparing quotes to understand which insurer is best for you.

 
RATES BY VIOLATION: GEICO VS. FARM BUREAU MUTUAL
Violation Farm Bureau Mutual avg. annual premium GEICO avg. annual premium
At-fault accident (damage < $1,000) $1,224 $1,857
At-fault accident (damage > $1,000) $1,294 $1,580
DUI/DWI $1,850 $2,550
Reckless driving $1,546 $2,238
Speeding ticket $1,025 $1,395
 

Farm Bureau Mutual vs. GEICO: rates by age

Car insurance companies use age to outline potential risk, assigning rates on a sliding scale. Car insurance is often expensive for young drivers — because of their inexperience — and more affordable for older drivers. Because each insurance company prices ages differently, it's a smart move to shop around.

As a general rule, teen drivers should choose Farm Bureau Mutual over GEICO: Farm Bureau Mutual offers average yearly savings of $741 versusGEICO.

 
AGE BRACKET INSURANCE RATE COMPARISON: GEICO VS. FARM BUREAU MUTUAL
Age bracket Farm Bureau Mutual avg. annual premium GEICO avg. annual premium
Teens $2,767 $3,508
20s $1,545 $1,438
30s $984 $1,438
40s $961 $1,189
50s $866 $1,160
60s $870 $1,065
 

Aside from finances, Farm Bureau Mutual and GEICO each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount Comparison Farm Bureau Mutual GEICO
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported supported
Defensive Driver supported
Student Away at School
Driver Training supported supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics supported
New Vehicle supported
Annual Mileage supported
Military supported
Ratings Comparison Farm Bureau Mutual GEICO
Financial Strength Question mark icon N/A Superior
JD Power Rankings Question mark icon N/A Average
User Satisfaction Question mark icon N/A N/A
Other Products Farm Bureau Mutual GEICO
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported supported
Other Features Farm Bureau Mutual GEICO
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. GEICO uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.
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. You can use a mobile app to request service from GEICO's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.
Additional Discounts None Available GEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness.
Recent Questions Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive coverage, it should cover any damages caused by debris.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
Do I claim my stolen vehicle with Lyft or GEICO?
One of the companies should be covering you via your comprehensive coverage. Check out our page on Lyft's insurance requirements for more information.
Will a hit and run impact my car insurance premium in CA?
Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident.
See More Questions
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