Farm Bureau Mutual vs. GEICO

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

Farm Bureau Mutual vs. GEICO insurance

Average monthly car insurance rate
Driver ProfileFarm Bureau MutualGEICO
At-Fault Accident (past 12 months)$117Save $49$166
Good Credit (670-739)$102$100Save $1
Bad Credit (300-579)$150Save $8$158
Low-Mileage Driver (<7,500 miles/year)$102$95Save $7

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.


Compare Farm Bureau Mutual vs. GEICO auto insurance rates


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 levelFarm Bureau Mutual avg. annual premiumGEICO 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
ViolationFarm Bureau Mutual avg. annual premiumGEICO 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 bracketFarm Bureau Mutual avg. annual premiumGEICO 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 ComparisonFarm Bureau MutualGEICO
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 ComparisonFarm Bureau MutualGEICO
Financial Strength ExcellentSuperior
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A

N/A

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Other FeaturesFarm Bureau MutualGEICO
AboutFarm 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 AssistanceFarm 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 DiscountsNone AvailableGEICO 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 QuestionsI made two claims last year. Should I file a third?
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.
Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
See More Questions
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