Idaho Farm Bureau vs. Oregon Mutual: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Idaho Farm Bureau offers slightly more affordable rates than Oregon Mutual
• Idaho Farm Bureau tends to be a much less expensive option for people who are single and purchasing insurance by yourself
• Oregon Mutual offers cheaper average prices for couples purchasing car insurance together

Idaho Farm Bureau vs. Oregon Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Idaho Farm Bureau or Oregon Mutual as potential options, but between the two, which carrier will offer you less expensive premiums?

Looking at the national average rates for both companies, Idaho Farm Bureau is about $8 per month cheaper than Oregon Mutual.

But Idaho Farm Bureau may not be the most affordable or best option for every driver out there. Auto insurance carriers use a ton of complex algorithms to calculate prices, so depending on how clean your driving record is or how old you are (among a bunch of other factors), you could see wildly different rates from the ones above.

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

Idaho Farm Bureau or Oregon Mutual: Average Car Insurance Rates by State

Idaho Farm Bureau and Oregon Mutual only compete against each other in Idaho, where Oregon Mutual offers the cheaper average rates. For Idaho residents, Oregon Mutual offers car insurance for $98 per month on average. Idaho Farm Bureau's average premiums come out to be over 20% more expensive, at $127 a month.

There's a lot more that goes into your auto insurance payment than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any group out there on the road. That's normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of nearly $90 less a month by choosing Idaho Farm Bureau over Oregon Mutual.

However, both companies will offer you dramatically lower rates by the time you turn 25. Oregon Mutual offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Idaho Farm Bureau's average premiums drop more than 50% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

When looking at Idaho Farm Bureau and Oregon Mutual specifically, which company is best for retired drivers? Idaho Farm Bureau gets the slight edge, with prices for drivers 65 and older around 6% more affordable than the national average for Oregon Mutual.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more expensive for single drivers than they are for married drivers? That's usually because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Idaho Farm Bureau is the clear winner for those who are single, with prices about $18 per month cheaper than Oregon Mutual, on average. But for married policyholders, that advantage is much less clear - Oregon Mutual offers the lowest average rates , but the difference is less than $10.

Idaho Farm Bureau vs. Oregon Mutual: Average Rates by Gender

Did you know men generally pay more for car insurance than women? This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher premiums.

Women normally pay around 7% a month less than men with Idaho Farm Bureau, and almost 10% less with Oregon Mutual when compared to their male counterparts.

Looking at the data for each carrier specifically, Idaho Farm Bureau comes out on top for both men and women. On average, male drivers save about $9 per month and women save about $6 with Idaho Farm Bureau compared to the average Oregon Mutual policyholder.

Idaho Farm Bureau or Oregon Mutual: 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.

For most people, auto insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which typically refers to having comprehensive and collision coverages alongside liability coverage).

In this case, Idaho Farm Bureau offers the most affordable average prices for state minimum limits for liability insurance, while Oregon Mutual has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $30 with Idaho Farm Bureau Insurance, while full coverage comes out to be around $15 more affordable with Oregon Mutual.

Is Idaho Farm Bureau or Oregon Mutual 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 tickets and accidents lead to higher premiums, but which company -- Idaho Farm Bureau or Oregon Mutual -- has the lowest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Idaho Farm Bureau auto insurance policies don't report seeing their premiums increase after getting a ticket, but Oregon Mutual policyholders can expect to see their monthly bill increase by about $10.

But Idaho Farm Bureau tends to offer the best prices for drivers both with clean records and with a ticket, offering rates that are $20 and $31 less expensive, respectively, compared to Oregon Mutual.

Which Company is Best for Drivers After an Accident?

Both carriers will increase prices pretty significantly if you get into an at-fault accident with Idaho Farm Bureau raising by just under $30. Oregon Mutual has a less extreme raise, but you can still expect to pay over $20 more than you were prior to your first collision.

Overall, drivers who use Idaho Farm Bureau end up with the cheaper prices after an accident, with monthly rates averaging $120 compared to Oregon Mutual's $133.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your car insurance bill. Idaho Farm Bureau drivers usually see a 56% increase in their auto insurance premiums after a DUI charge, while Oregon Mutual will normally climb prices by around 35%.

If you have a DUI on your record and are looking for more affordable rates, Oregon Mutual tends to be the much more affordable option with average premiums of $171 monthly compared to $206 from Idaho Farm Bureau.

How does Credit Score Impact Idaho Farm Bureau and Oregon Mutual Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (for example, California and Michigan are two states that ban the practice entirely), but it does affect several drivers out there.

The reasoning car insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will usually be forced to pay more.

Looking at Idaho Farm Bureau and Oregon Mutual specifically, which company has the cheapest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Idaho Farm Bureau. Policyholders with "excellent" credit can save just under 20% compared to Oregon Mutual, and those with "good" scores can also expect to see savings -- about $8 or 7% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around $2 less with Oregon Mutual than Idaho Farm Bureau, but those whose credit is considered "poor" have it flipped -- saving about $3 a month with Idaho Farm Bureau.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance bill. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Idaho Farm Bureau offers cheaper prices than Oregon Mutual. Idaho Farm Bureau's average premiums for drivers with 6,000 annual miles come in around 10% less expensive than Oregon Mutual. Those who drive 12,000 miles every year can expect to pay about 1% less with Idaho Farm Bureau over Oregon Mutual.

Idaho Farm Bureau vs. Oregon Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large role in how much you pay for car insurance. Typically, those who live in urban areas will pay more than drivers in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

Idaho Farm Bureau boasts the cheapest average rates in urban and suburban areas, while Oregon Mutual wins in rural areas.

For drivers in urban ZIP codes, Idaho Farm Bureau's average prices are around $118 while Oregon Mutual offers rates about $151. People in suburban areas pay a monthly rate of around $125 with Idaho Farm Bureau compared to $138 with Oregon Mutual. Those in rural areas can expect to pay about $115 a month with Oregon Mutual and $139 with Idaho Farm Bureau.

Idaho Farm Bureau vs. Oregon Mutual Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many insurance discounts as you can.

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

In the section below, we've broken down all of the different discounts offered by both Idaho Farm Bureau and Oregon Mutual so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Oregon Mutual knocks Idaho Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 13 more discounts than Idaho Farm Bureau.

There are a couple discounts both companies offer, but Oregon Mutual also offers advance quote discounts, anti-theft discounts, csl discounts, and more that Idaho Farm Bureau does not.

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

Final Thoughts: Is Idaho Farm Bureau or Oregon Mutual Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. But, when it comes down to it, is Idaho Farm Bureau or Oregon Mutual the right one for you and your specific driver profile?

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

• Your driving record contains an at-fault collision.
• You live in an urban area.
• You are over 65 years old and want to save some money on your auto insurance.

Oregon Mutual might be best for you if...

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" insurance.
• You and your spouse are buying auto insurance together.

We hope this guide has ben a valuable resource as you compare Idaho Farm Bureau and Oregon Mutual and that you can now make a more informed 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 several companies, not just Idaho Farm Bureau and Oregon Mutual. 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.

Idaho Farm Bureau vs. Oregon Mutual FAQs

Is Idaho Farm Bureau or Oregon Mutual cheaper?

Looking just at the national average premiums, Idaho Farm Bureau is the cheaper of the two companies, offering average rates of $127 per month compared to $135 for Oregon Mutual. Even so, Idaho Farm Bureau won't necessarily be the most affordable company for everyone, since there are a range of different variables that come into play when it comes to your insurance cost.

Who is better, Idaho Farm Bureau or Oregon Mutual?

Sadly, the answer truly is "it depends.". No single carrier is necessarily "better" for each driver -- it all depends on the makeup of your unique car insurance profile. For example, Oregon Mutual offers more affordable rates for drivers with a recent DUI, while Idaho Farm Bureau is less expensive for drivers with excellent credit.

Why do Idaho Farm Bureau and Oregon Mutual offer me different rates?

Insurance carriers take a look at many different factors when calculating the premiums they charge policyholders. Things like where your home is, gender, where you call home, age, and sometimes even things like your credit score can all be taken into consideration. Both Idaho Farm Bureau and Oregon Mutual calculate prices using different variables, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Idaho Farm Bureau or Oregon Mutual is right for me?

The only way to find the car 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. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Idaho Farm Bureau or Oregon Mutual 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.