Deciding on a car insurance company is difficult: the rates each insurer offers can vary widely by driving record, age, and location, and insurers offer a variety of perks. Farm Bureau Mutual and State Farm are two of America's most popular insurance companies, offering high-quality insurance policies in most states across the US.
To help make shopping for car insurance easier, we have gathered average costs from State Farm and Farm Bureau Mutual. The below cover myriad pricing factors, including credit rating, driving history, and demographics. Examine these figures and find an affordable policy today.
If you have very poor credit, Farm Bureau Mutual could be the best option for you. On average, Farm Bureau Mutual offers better prices than State Farm for drivers with credit scores of lower than 580. Drivers with outstanding credit — a score of 800 or higher — should favor Farm Bureau Mutual, which typically beats State Farm by $397 per year. View typical insurance costs by credit level for State Farm and Farm Bureau Mutual:
|Credit score||Farm Bureau Mutual avg. annual premium||State Farm avg. annual premium|
|Very Poor (300-579)||$1,780||$3,522|
|Very Good (740-799)||$932||$1,451|
If you are dealing with an at-fault crash, ticket, reckless driving violation, or DUI offense on your résumé, Farm Bureau Mutual could be a better choice than State Farm. Every car insurance company prices its policies differently, so it's worth comparing quotes to find out which insurer suits you.
|Violation||Farm Bureau Mutual avg. annual premium||State Farm avg. annual premium|
|At-fault accident (damage < $1,000)||$1,224||$2,849|
|At-fault accident (damage > $1,000)||$1,294||$1,524|
Auto insurance companies use a driver's age as an indicator of potential risk, pricing premiums accordingly. An insurance policy is typically more expensive for young drivers — due to their increased odds of being involved in an accident — and most affordable for older drivers. Since each insurance company rates ages differently, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Farm Bureau Mutual instead of State Farm: Farm Bureau Mutual offers average yearly savings of $3,053, compared to State Farm.
|Age||Farm Bureau Mutual avg. annual premium||State Farm avg. annual premium|
Affordability aside, Farm Bureau Mutual and State Farm each carry 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||State Farm|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Farm Bureau Mutual||State Farm|
|JD Power Rankings||N/A||Above average|
|Other Products||Farm Bureau Mutual||State Farm|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Farm Bureau Mutual||State Farm|
|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.||Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.|
|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.||State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.|
|Additional Discounts||None Available||State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.|
Should I file a claim through State Farm?
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%.Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.See More Questions
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