Deciding on an auto insurance company is complex: rates can fluctuate by driving record, location, and age, and insurers offer a variety of perks. Farm Bureau Mutual and Infinity are two of the most popular insurance companies, providing competitively priced insurance policies across most of the US.
To help make shopping for car insurance easier, we collected average rates from Infinity and Farm Bureau Mutual. These rates cover a variety of pricing factors, chief among which are credit quality, driving infractions, and age. Take a look at these rates and find the right policy for you.
If you have extremely bad credit, Farm Bureau Mutual could be a better option for you. Typically, Farm Bureau Mutual offers more affordable rates than Infinity for drivers with credit scores of lower than 580. Those with excellent credit — a score of 800 or better — should lean toward Farm Bureau Mutual, which typically beats Infinity by $3,018 per year. Check out common insurance rates by credit tier for Infinity and Farm Bureau Mutual below.
| Credit score | Farm Bureau Mutual avg. annual premium | Infinity avg. annual premium |
| Very Poor (300-579) | $1,780 | $7,847 |
| Fair (580-669) | $1,126 | $4,862 |
| Good (670-739) | $1,193 | $3,955 |
| Very Good (740-799) | $932 | $4,045 |
| Exceptional (800-850) | $863 | $3,881 |
If you are dealing with an at-fault collision, speeding ticket, reckless driving citation, or DUI in your recent history, Farm Bureau Mutual could be a better choice than Infinity. Every insurer has different post-violation pricing structures, so always do your due diligence and compare quotes to find out which insurer suits you.
| Citation | Farm Bureau Mutual avg. annual premium | Infinity avg. annual premium |
| At-fault accident (damage < $1,000) | $1,224 | $5,774 |
| At-fault accident (damage > $1,000) | $1,294 | $4,487 |
| DUI/DWI | $1,850 | $6,124 |
| Reckless driving | $1,546 | $6,124 |
| Speeding ticket | $1,025 | $4,174 |
Auto insurance companies use a driver's age as an indicator of potential risk, assigning rates accordingly. Auto insurance is usually priciest for teen drivers — thanks to their inexperience — and more affordable for older drivers. Because each insurance company rates age brackets uniquely, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose Farm Bureau Mutual instead of Infinity: Farm Bureau Mutual offers average yearly savings of $13,524, compared to Infinity.
| Age | Farm Bureau Mutual avg. annual premium | Infinity avg. annual premium |
| Teens | $2,767 | $16,291 |
| 20s | $1,545 | $5,588 |
| 30s | $984 | $5,588 |
| 40s | $961 | $4,077 |
| 50s | $866 | $3,716 |
| 60s | $870 | $3,365 |
Finances aside, Farm Bureau Mutual and Infinity come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Farm Bureau Mutual | Infinity |
|---|---|---|
| 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 | Infinity |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Not Rated | Not Rated |
| User Satisfaction | A | A+ |
| Other Products | Farm Bureau Mutual | Infinity |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Farm Bureau Mutual | Infinity |
|---|---|---|
| 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. | Infinity provides non-standard car insurance to drivers who represent higher than normal risks and would otherwise pay higher rates for comparable coverage. |
| 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. | Infinity's 24 hour roadside assistance is available for towing to the nearest repair facility and labor cost at the site of your disablement. Infinity covers up to 5 disablements within a 12 month period. |
| Additional Discounts | None Available | Infinity offers an additional discount in most states for registering your policy account profile online. |
| Recent Questions | Is it worth filing a claim for a scratch on my car that happened when it was parked? If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair. When filling out quotes, do I have to disclose an accident that my friend had while driving my car?The questions pertains to you as a driver. The same would go for tickets. If I file a claim for denting my car door on a beam, will my insurance rate increase?Filing a claim where you were the cause of damage will most likely result in an increase in your rate. In Texas, the average increase in premium for an at-fault accident is $817 per year, based on our State of Insurance report. See More Questions | |
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