Deciding on a car insurance company is difficult: the rates each insurer offers can vary widely based on your driving record, location, and age, and every company's discounts vary. Farm Bureau Mutual and Nationwide are two of the most popular insurers, offering affordable insurance policies across most of America.
To help simplify the process of comparing insurance companies, we've gathered typical policy prices from Nationwide and Farm Bureau Mutual. These cover a variety of rating factors, including credit rating, driving behavior, and demographics. Compare rates and find the perfect policy for you.
If you have very bad credit, Nationwide could be a better option for you. On average, Nationwide offers cheaper rates than Farm Bureau Mutual for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800-plus — should opt for Farm Bureau Mutual, which typically beats Nationwide by $174 per year. Check out common insurance costs by credit score for Nationwide and Farm Bureau Mutual below.
| Credit level | Farm Bureau Mutual avg. annual premium | Nationwide avg. annual premium |
| Very Poor (300-579) | $1,780 | $1,593 |
| Fair (580-669) | $1,126 | $1,262 |
| Good (670-739) | $1,193 | $1,283 |
| Very Good (740-799) | $932 | $1,109 |
| Exceptional (800-850) | $863 | $1,037 |
If you're carrying an at-fault collision, speeding ticket, reckless driving citation, or DUI on your driving record, Farm Bureau Mutual could be a better choice than Nationwide. Every insurance company will handle driving offenses differently, so it's worth comparing quotes to figure out which insurer is best for you.
| Infraction | Farm Bureau Mutual avg. annual premium | Nationwide avg. annual premium |
| At-fault accident (damage < $1,000) | $1,224 | $1,836 |
| At-fault accident (damage > $1,000) | $1,294 | $1,475 |
| DUI/DWI | $1,850 | $2,691 |
| Reckless driving | $1,546 | $2,508 |
| Speeding ticket | $1,025 | $1,469 |
Insurance companies rely on a driver's age to outline risk potential, pricing policies on a sliding scale. An insurance policy is usually priciest for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for older drivers. Because each insurance company evaluates age tiers differently, it's a smart move to shop around.
As a general rule, teen drivers should choose Farm Bureau Mutual over Nationwide: Farm Bureau Mutual offers average yearly savings of $857, compared to Nationwide.
| Age | Farm Bureau Mutual avg. annual premium | Nationwide avg. annual premium |
| Teens | $2,767 | $3,624 |
| 20s | $1,545 | $1,582 |
| 30s | $984 | $1,582 |
| 40s | $961 | $1,151 |
| 50s | $866 | $1,114 |
| 60s | $870 | $1,028 |
Aside from finances, Farm Bureau Mutual and Nationwide each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Farm Bureau Mutual | Nationwide |
|---|---|---|
| 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 | Nationwide |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A | A+ |
| Other Products | Farm Bureau Mutual | Nationwide |
|---|---|---|
| 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 | Nationwide |
|---|---|---|
| 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. | Auto insurance from Nationwide gives you peace of mind. When you choose an On Your Side Auto Repair Network® facility, you can get a written guarantee on your car repairs. With our On Your Side Claims® Service, you also get personal service like the On Your Side® Review, an annual check-in with your insurance professional to review your coverage. And with multi-policy and other discounts, such as the SmartRide® and SmartMiles® usage-based programs, you get peace of mind and value. |
| 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. | Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home. |
| Additional Discounts | None Available | Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family. |
| Recent Questions | What's the ADOT code for Nationwide The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014. Will an insurance company tell me if someone has paid a loan off?Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle. I was rear-ended but the driver drove off before we exchanged informationThe safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information. If I hit an uninsured driver, can he go after me for damages?Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault. See More Questions | |
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