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 |