American Family vs. Idaho Farm Bureau: Which Company is the Best Fit for You?

Want to know if American Family or Idaho Farm Bureau is the better choice for car insurance? You're probably wondering which carrier offers the best prices or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for insurance, Idaho Farm Bureau offers slightly less expensive premiums than American Family
  • American Family may help you save more money -- they offer more discounts than Idaho Farm Bureau Insurance
  • Idaho Farm Bureau tends to be a much more affordable option for policyholders who have a short commute


American Family or Idaho Farm Bureau: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to American Family or Idaho Farm Bureau, but between the two, which carrier will offer you cheaper rates?

American Family Idaho Farm Bureau
$140$127

Looking at the national average rates for both carriers, American Family is around $13 more a month than Idaho Farm Bureau.

However, Idaho Farm Bureau may not be the cheapest or best option for every driver out there. Auto insurance companies vary their prices depending on things like how old you are, how good your credit score is, how clean your driving record is, where you live, and a variety of other factors. So, at the end of the day, rates from every company will differ quite a bit from person to person.

Wanting to know if American Family or Idaho Farm Bureau is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

American Family vs. Idaho Farm Bureau: Average Car Insurance Rates by State

State American Family Idaho Farm Bureau
ID$88$127

American Family and Idaho Farm Bureau only compete against each other in Idaho, where American Family offers the cheaper average prices. American Family drivers tend to pay about $39 per month less on average compared to drivers who use Idaho Farm Bureau for their insurance.

There's a lot more that goes into your car insurance payment than just where you call home. Continue reading to learn more about how other variables will affect your rates.


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Which is the Best Company For Young Drivers?

American Family Idaho Farm Bureau
18-year-old drivers$311$253
25-year-old drivers$121$123

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Idaho Farm Bureau save almost 20% a month compared to those who use American Family. It's worth noting that American Family offers car insurance in 16 different states compared to Idaho Farm Bureau's one, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, both carriers will decrease rates by the time you turn 25. For example, average premiums for American Family policyholders lower over 60% and Idaho Farm Bureau's rates drop more than 50% over that time.

Which is the Best Company for Retired Drivers?

American Family Idaho Farm Bureau
65+-year-old drivers$107$94

Once you approach retirement age, you'll usually enjoy the lowest insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

When looking at American Family and Idaho Farm Bureau specifically, which company is best for retired drivers? Idaho Farm Bureau gets the edge, with premiums for drivers 65 and older over 10% more affordable than the national average for American Family.

Which is the Best Company for Married Drivers?

American Family Idaho Farm Bureau
Single$166$145
Married$106$103

You may not be aware, but auto insurance prices tend to be more expensive for those who are single than they are for married drivers. That's typically because married couples tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average rates between these two companies is significant, with Idaho Farm Bureau premiums coming in at about 15% less than American Family's. But for married policyholders, that advantage is much less clear - Idaho Farm Bureau offers the most affordable average prices , but the difference is less than $5.

American Family or Idaho Farm Bureau: Average Rates by Gender

American Family Idaho Farm Bureau
Male$143$132
Female$138$123

Because women are less likely to get tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, women tend to get cheaper rates than men.

Women generally pay around $5 per month less than men with American Family, and about $10 cheaper with Idaho Farm Bureau when compared to their male counterparts.

Looking at the data for each carrier specifically, Idaho Farm Bureau offers the lowest average premiums for both men and women, with average rates 8% less for men and 11% cheaper for women.


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American Family vs. Idaho Farm Bureau: Compare State Minimum vs. Full Coverage Rates

American Family Idaho Farm Bureau
State Minimum*$96$66
Full Coverage**$185$188

*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.

Insurance can be a complicated subject for most people. There are a bunch of different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which usually refers to having collision and comprehensive coverages in addition to what you get with liability).

When it comes to state minimum liability limits, Idaho Farm Bureau has the edge, while American Family offers the cheapest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $30 with Idaho Farm Bureau Insurance, while full coverage comes out to be around $3 cheaper with American Family Insurance.

Is American Family or Idaho Farm Bureau Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that at-fault collisions and speeding tickets lead to higher rates, but which company -- American Family or Idaho Farm Bureau -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

American Family Idaho Farm Bureau
Clean Record$118$91
1 Speeding Ticket$147$91

Drivers with Idaho Farm Bureau car insurance policies don't report seeing their rates increase after getting a ticket, but American Family policyholders can expect to see their monthly bill increase by about $30.

Even so, Idaho Farm Bureau tends to offer the best prices for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save around 23% a month with Idaho Farm Bureau Insurance, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

American Family Idaho Farm Bureau
Clean Record$118$91
1 At-Fault Accident$138$120

After an accident, drivers who have their auto insurance through American Family can expect to see about an $20 -- or around 14% -- rise in their car insurance premiums. Drivers who use Idaho Farm Bureau for their insurance will see a monthly bill about $29 (or 24%) more expensive after reporting a collision to their car insurance carrier.

At the end of the day, Idaho Farm Bureau offers the lowest prices for drivers with an at-fault collision on their records, with average premiums coming in at $120 compared to American Family Insurance's $138.

Which Company is Best for Drivers with a DUI?

American Family Idaho Farm Bureau
Clean Record$118$91
1 DUI$158$206

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. For example, Idaho Farm Bureau increases average rates by more than $100 per month -- that's more than a 55% increase.

American Family has the overall most affordable prices for drivers with a DUI on their records at $158 a month, but it's worth noting that American Family's average rates come from 16 states compared to just one for Idaho Farm Bureau, so the data may be skewed slightly.


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How does Credit Score Impact American Family and Idaho Farm Bureau Rates?

Did you know many auto insurance companies take your credit score into account when determining premiums? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it does affect many policyholders out there.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the best prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

American Family Idaho Farm Bureau
Excellent Credit Score$100$95
Good Credit Score$120$113

If you have solid credit, Idaho Farm Bureau will typically reward you the most. For policyholders with "excellent" credit scores, Idaho Farm Bureau comes in NaN less expensive. Drivers with "good" credit scores normally save around 6% with Idaho Farm Bureau compared to average rates from American Family.

Which Company is Best for Drivers with Bad Credit?

American Family Idaho Farm Bureau
Fair Credit Score$141$132
Poor Credit Score$201$168

Idaho Farm Bureau typically offers lower prices than American Family when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 6% a month less with Idaho Farm Bureau compared to American Family, and those with "poor" scores generally save an average of around 16% monthly.


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Is American Family or Idaho Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

American Family Idaho Farm Bureau
6,000 Annual Miles$138$119
12,000 Annual Miles$143$135

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance companies will charge for coverage. That's because the more milage you put on your car each year, the more likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Idaho Farm Bureau tends to be the cheaper option. Idaho Farm Bureau's average premiums for drivers with 6,000 annual miles come in about 14% more affordable than American Family. Those who drive 12,000 miles every year can expect to pay around 6% less with Idaho Farm Bureau over American Family.

American Family or Idaho Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a sizable role in how much you pay for auto insurance. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

American Family Idaho Farm Bureau
Urban Areas$166$118
Suburban Areas$134$125
Rural Areas$121$139

Looking at these carriers side-by-side, Idaho Farm Bureau boasts the most affordable average prices in urban and suburban areas, while American Family wins in rural areas.

If you live in a rural area, you can expect to pay about $121 per month with American Family and $139 with Idaho Farm Bureau. Drivers in suburban ZIP codes pay around $125 with Idaho Farm Bureau compared to American Family's $134 monthly. For drivers in urban ZIP codes, Idaho Farm Bureau's average rates are about $118 per month compared to American Family's $166.

American Family vs. Idaho Farm Bureau Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by American Family and Idaho Farm Bureau so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

American Family Idaho Farm Bureau
Advance Quote Discount 
Anti-Theft Discount 
Connect Partner Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
DRL Discount 
EFT Discount 
ESC Discount 
Generational Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Multi-Car Discount 
Multi-Policy Discount 
Paid In Full Discount 
Paperless Discount 
Renewal Discount 
Steer into Savings Discount 
Teen Driver Discount 

American Family blows Idaho Farm Bureau away when it comes to the sheer amount of discounts available, offering 19 more discounts than Idaho Farm Bureau.

There are a couple discounts both companies offer, but American Family also offers discounts for advance quote, anti-theft, connect partner, and more.

Idaho Farm Bureau's discounts come through just two categories -- Defensive Driver and Good Student.


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Final Thoughts: Is American Family or Idaho Farm Bureau Best for You?

So, we've broken down the average premiums for many of the factors insurance carriers look at, and we've shown you all the discounts each company offers. But, when it comes down to it, is American Family or Idaho Farm Bureau the best company for you and your specific needs?

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

  • You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
  • You have below-average credit.
  • You want to save money while purchasing auto insurance for a teenager.


American Family might be best for you if...

  • Your driving record includes a DUI charge.
  • You want the most robust protection via a "full coverage" policy.
  • You live in a rural area.

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

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


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American Family vs. Idaho Farm Bureau FAQs

Is American Family or Idaho Farm Bureau cheaper?

Idaho Farm Bureau is the less expensive of the two companies when looking at national average prices, with policies averaging $127 a month with Idaho Farm Bureau and $140 for American Family. But that doesn't mean Idaho Farm Bureau will be the lowest carrier for each driver, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, American Family or Idaho Farm Bureau?

Unfortunately, the only answer we can give you is "it depends.". No one company is "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Idaho Farm Bureau is cheaper for drivers with excellent credit, while American Family offers more affordable premiums for drivers with a recent DUI.

Why do American Family and Idaho Farm Bureau offer me different rates?

Insurance carriers use quite a few different factors when calculating the rates they charge. Things like gender, age, where you call home, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both American Family and Idaho Farm Bureau calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from lots of different companies.

How do I know if American Family or Idaho Farm Bureau is right for me?

The only way to find the auto insurance company 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 make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't American Family or Idaho Farm Bureau at all, but another you hadn't even thought of!


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.

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