AAA vs. Missouri Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Missouri Farm Bureau offers significantly less expensive premiums than AAA
• AAA offers more discounts than Missouri Farm Bureau Insurance
• Missouri Farm Bureau tends to be a much cheaper option for residents of urban areas

AAA vs. Missouri Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to AAA or Missouri Farm Bureau as your top options, but between the two, which company will save you the most?

Looking at the national average rates for both companies, Missouri Farm Bureau has average rates that are about 65% per month more affordable than those from AAA.

However, that doesn't mean Missouri Farm Bureau will necessarily be cheaper than AAA for every driver. Car insurance carriers vary their rates depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and a variety of other factors, so prices will vary quite a bit from person to person.

Luckily, we've broken down average rates from both AAA and Missouri Farm Bureau by several different rate factors, so read on to find out which company is the best for you.

AAA or Missouri Farm Bureau: Average Car Insurance Rates by State

AAA and Missouri Farm Bureau only compete against each other in Missouri, where Missouri Farm Bureau offers the cheaper average premiums. For Missouri residents, Missouri Farm Bureau offers auto insurance for $111 a month on average. AAA's average rates come out to be over 70% more expensive, at $376 per month.

That being said, there are plenty of other factors that go into your insurance bill than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers. It's normally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Missouri Farm Bureau save nearly $450 a month compared to those who use AAA.

Even so, both companies will decrease prices by the time drivers turn 25. Missouri Farm Bureau offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. AAA's average rates drop almost 60% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

When looking at AAA and Missouri Farm Bureau specifically, which carrier is best for retired drivers? Missouri Farm Bureau gets the edge here, with average premiums coming in at around $81 monthly compared to AAA's $238.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single drivers than they are for married drivers. That's because policies for married couples generally cover multiple cars, which a lot of carriers will offer you a discount for.

When it comes to relationship status, Missouri Farm Bureau is the clear winner for single policyholders, with prices about $239 per month more affordable than AAA, on average. The advantage is also clear for married policyholders - Missouri Farm Bureau offers the lowest average premiums.

AAA vs. Missouri Farm Bureau: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to insurance men will typically end up paying a little more.

With AAA, men usually pay more than 10% more a month than women., and around 14% more with Missouri Farm Bureau.

Looking at the data for each company specifically, Missouri Farm Bureau offers the cheapest average prices for both men and women. On average, women save about $195 per month and men save about $212 with Missouri Farm Bureau compared to the average AAA policyholder.

AAA or Missouri Farm Bureau: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that auto insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum liability insurance, Missouri Farm Bureau typically offers significantly less expensive premiums of $51 compared to AAA's $169. When it comes to full coverage policies with similar limits, Missouri Farm Bureau again has the edge, with policies around $300 a month cheaper than AAA, on average.

Is AAA or Missouri Farm Bureau Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that at-fault accidents and tickets lead to higher rates, but which carrier -- AAA or Missouri Farm Bureau -- has the lowest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

AAA policyholders can expect their rates to go up an average of $86 per month if they get a ticket, while Missouri Farm Bureau generally raises prices about $5 a month, on average.

But Missouri Farm Bureau tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are 54% and 66% less expensive, respectively, compared to AAA Insurance.

Which Company is Best for Drivers After an Accident?

AAA drivers who get in a collision can expect to see their rates rise by just under $150, while those who have insurance through Missouri Farm Bureau will see around a $10 increase.

Overall, drivers who use Missouri Farm Bureau end up with the cheaper prices after an accident, with monthly prices averaging $109 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. AAA drivers usually see a 47% increase in their auto insurance rates after a DUI charge, while Missouri Farm Bureau will normally raise premiums by about 28%.

If you have a DUI on your record and are looking for more affordable prices, Missouri Farm Bureau tends to be the much more affordable option with average rates of $134 per month compared to $403 from AAA.

How does Credit Score Impact AAA and Missouri Farm Bureau Rates?

Did you know that many car insurance companies take your credit score into account when calculating prices? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect quite a few policyholders out there.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Missouri Farm Bureau and AAA, which carrier has the most affordable premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Missouri Farm Bureau. Drivers with "excellent" credit can save just under 55% compared to AAA, and those with "good" scores can also expect to see savings -- around $151 or 61% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Missouri Farm Bureau typically offers lower rates than AAA when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $196 per month less with Missouri Farm Bureau compared to AAA, and those with "poor" scores usually save an average of around $387 a month.

Is AAA or Missouri Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on your monthly prices. That's because the more miles you put on your car each year, the more likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Missouri Farm Bureau charges. However, there's a small difference in monthly premiums for AAA, with policyholders who drive the least paying about $13 less every month compared to those who drive 12,000 miles yearly. Still, Missouri Farm Bureau is the less expensive option for drivers in both categories.

AAA vs. Missouri Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a substantial impact on your monthly car insurance cost. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more vehicles on the roads in those areas.

When comparing these two companies side-by-side, Missouri Farm Bureau generally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both carriers, but Missouri Farm Bureau comes out on top with average prices around $90 monthly. Missouri Farm Bureau also has more affordable average rates for drivers in urban and suburban ZIP codes -- a $252 and $192 a month respective difference when compared to AAA policyholders in similar areas.

AAA vs. Missouri Farm Bureau Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts AAA and Missouri Farm Bureau offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

AAA knocks Missouri Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 26 more discounts than Missouri Farm Bureau.

There are a couple discounts both companies offer, but AAA also offers AAA discounts, academic discounts, advance quote discounts, and more that Missouri Farm Bureau does not.

On the flip side, Missouri Farm Bureau has a couple unique discounts of its own -- occupation discounts and preferred customer discounts.

Final Thoughts: Is AAA or Missouri Farm Bureau Best for You?

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and walked through the different discounts each company offers, too. But, at the end of the day, which carrier is the right one for you and your specific driver profile?

Missouri Farm Bureau might be best for you if....

• You have a speeding ticket on your driving record.
• You have a short drive to work everyday.

AAA might be best for you if...

• You care about discounts (Aaa offers the most).

We hope this guide helps you get a good idea of the differences between AAA and Missouri Farm Bureau. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just AAA and Missouri Farm Bureau. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

AAA vs. Missouri Farm Bureau FAQs

Is AAA or Missouri Farm Bureau cheaper?

Looking just at the national average rates, Missouri Farm Bureau is the less expensive of the two companies, offering average rates of $111 per month compared to $314 for AAA. That being said, Missouri Farm Bureau won't necessarily be the cheapest company for everyone, since there are many different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, AAA or Missouri Farm Bureau?

Unfortunately, the answer truly is "it depends.". One carrier is not "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do AAA and Missouri Farm Bureau offer me different rates?

Car insurance carriers take a look at several different variables when determining the premiums they charge drivers. Factors like gender, where your home is, age, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Missouri Farm Bureau calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if AAA or Missouri Farm Bureau is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best company for you might not be AAA or Missouri Farm Bureau at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.