Farm Bureau Financial Services vs. Integrity: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Integrity offers significantly more affordable prices than Farm Bureau Financial Services
• Integrity has cheaper premiums for policyholders who drive fewer than 6,000 miles every year
• Integrity offers more affordable average prices for policyholders whose driving record contains an at-fault collision

Farm Bureau Financial Services or Integrity: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Farm Bureau Financial Services or Integrity, but which company will save you the most?

As you can see, Farm Bureau Financial Services is quite a bit more expensive than Integrity, with rates averaging $170 a month compared to just $81 with Integrity when looking at the national average rates for auto insurance.

However, that doesn't mean Integrity will necessarily be less expensive than Farm Bureau Financial Services for each driver. Car insurance carriers vary their premiums depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and tons of other factors, so prices could vary drastically from person to person.

Luckily, we've broken down average rates from both Farm Bureau Financial Services and Integrity by a range of different rate factors, so read on to find out which carrier is the best for you.

Farm Bureau Financial Services vs. Integrity: Average Car Insurance Rates by State

Farm Bureau Financial Services and Integrity only compete against each other in one states, with Integrity offering cheaper premiums to the average driver in all of them. Iowa has the most noticable difference, where Integrity rates are $9 less expensive than insurance premiums at Farm Bureau Financial Services.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance companies determine your prices. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers. Usually, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 40% less per month by choosing Integrity over Farm Bureau Financial Services.

Even so, both carriers will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Farm Bureau Financial Services policyholders reduce nearly 55% and Integrity's rates lower over 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable auto insurance prices you'll ever see. After all, they've likely been driving for quite some time, which generally lowers their chances of collisions and other infractions that can raise premiums.

When looking at Farm Bureau Financial Services and Integrity specifically, which company is best for retired drivers? Integrity gets the edge, with rates for drivers 65 and older $66 cheaper than the national average for Farm Bureau Financial Services.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance prices than married couples. That's typically because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average premiums between these two companies is significant, with Integrity prices coming in at around half of Farm Bureau Financial Services's. For married drivers, the advantage is clear again - Integrity has the edge when it comes to average rates.

Farm Bureau Financial Services or Integrity: 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 car insurance men will normally end up paying a little more.

Surprisingly, with Farm Bureau Financial Services, women generallypay about $5 a month more than men, and around $8 less with Integrity.

Looking at the data for each carrier specifically, Integrity comes out on top for both men and women. On average, male drivers save about $83 per month and women save about $96 with Integrity compared to the average Farm Bureau Financial Services policyholder.

Farm Bureau Financial Services vs. Integrity: 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 pretty complicated. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum limits for liability insurance, Integrity has the significant edge, with average monthly prices coming in at $38. If you want a full coverage policy with the same state minimum limits, Integrity again has the edge, with policies averaging around $124 a month to Farm Bureau Financial Services's $253.

Is Farm Bureau Financial Services or Integrity Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that accidents and speeding tickets lead to higher premiums, but which company -- Farm Bureau Financial Services or Integrity -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Farm Bureau Financial Services for their insurance can usually expect their monthly bill to go up about 17% after getting a speeding ticket. Integrity policyholders can expect a bit more drastic of an increase of around 26%.

But Integrity is typically the more affordable option for both drivers who have clean records and those with a recent ticket -- their rates are around 48% cheaper for drivers with clean records and 42% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Farm Bureau Financial Services drivers who get in an accident can expect to see their premiums climb by over $65, while those who have insurance through Integrity will see about a $20 increase.

At the end of the day, Integrity offers the most affordable prices for drivers with an at-fault accident on their records, with average rates coming in at $84 compared to Farm Bureau Financial Services's $187.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. On average, Farm Bureau Financial Services will climb your prices around 46% after a DUI, while Integrity's average rates increase by more than 30%.

But if you end up with a DUI charge and are looking for more affordable premiums, Integrity tends to be more affordable for the average driver, with monthly premiums coming in at about $92 to Farm Bureau Financial Services's $226.

How does Credit Score Impact Farm Bureau Financial Services and Integrity Rates?

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as a car insurance factor) but it might come into play for a lot of policyholders.

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

So, which carrier offers the cheapest rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Integrity will normally reward you the most. For policyholders with "excellent" credit scores, Integrity comes in nearly 48.82 less expensive. Drivers with "good" credit scores usually save around 47% with Integrity compared to average prices from Farm Bureau Financial Services.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower premiums than Farm Bureau Financial Services when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 49% per month less with Integrity compared to Farm Bureau Financial Services, and those with "poor" scores typically save an average of around 60% a month.

Is Farm Bureau Financial Services or Integrity Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly insurance payment? Generally, those who drive fewer miles will end up with cheaper prices since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Integrity charges. However, there's a small difference in monthly rates for Farm Bureau Financial Services, with policyholders who drive the least paying about $11 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Integrity is the more affordable company.

Farm Bureau Financial Services or Integrity: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a big role in how much you pay for auto insurance. Typically, those who live in rural areas will pay less than drivers in urban areas due to the small number of vehicles that are on the roads where they live.

Integrity tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Integrity's average rates are around $82 while Farm Bureau Financial Services offers premiums about $196. People in suburban areas pay around $78 with Integrity compared to Farm Bureau Financial Services's $159 monthly. If you live in a rural area, you can expect to pay about $83 per month with Integrity and $155 with Farm Bureau Financial Services.

Farm Bureau Financial Services vs. Integrity Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Farm Bureau Financial Services and Integrity so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Integrity comes out ahead with 13 discounts to Farm Bureau Financial Services's nine.

Both carriers offer many of the same discounts -- like anti-theft discounts, discounts for being a good student, and life policy discounts -- but Integrity also offers discounts for advance quote, company car, continuous insurance, and more.

On the other hand, Farm Bureau Financial Services has a few proprietary discounts of their own for things like good driving discounts, paid in full discounts, safe young driver discounts, and more.

Final Thoughts: Is Farm Bureau Financial Services or Integrity Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which carrier is the best carrier for you and your specific profile and needs?

Integrity might be best for you if....

• You have below-average credit.
• You already have a great credit score.
• Your neighborhood is in a rural area.

Farm Bureau Financial Services might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide has ben a valuable resource as you compare Farm Bureau Financial Services and Integrity and that it aids in making a more informed decision about 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 carriers, not just Farm Bureau Financial Services and Integrity. 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 companies in your area, all in just a few minutes.

Farm Bureau Financial Services vs. Integrity FAQs

Is Farm Bureau Financial Services or Integrity cheaper?

Integrity is the less expensive of the two carriers when looking at national average rates, with policies averaging $81 a month with Integrity and $170 for Farm Bureau Financial Services. That being said, that doesn't mean Integrity will be the cheapest company for each driver, since there are several different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Farm Bureau Financial Services or Integrity?

Sadly, the real answer is "it depends.". Neither carrier is necessarily "better" for every policyholder -- it all depends on what your unique insurance profile looks like.

Why do Farm Bureau Financial Services and Integrity offer me different rates?

Car insurance companies use quite a few different variables when determining the premiums they charge. Factors like gender, your driving record, where your home is, age, and sometimes even things like your credit score can all be used. Both Farm Bureau Financial Services and Integrity calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Farm Bureau Financial Services or Integrity is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several companies 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 information once and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Farm Bureau Financial Services or Integrity 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.