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

Quick Facts

• Looking at the national averages for car insurance, Missouri Farm Bureau offers significantly less expensive premiums than The General
• Missouri Farm Bureau offers more affordable prices for policyholders who have a clean record
• Missouri Farm Bureau has cheaper rates for policyholders who drive fewer than 12,000 miles annually

Missouri Farm Bureau or The General: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You might be considering Missouri Farm Bureau or The General as your top options, but between the two, which company will save you the most?

Looking at the national average rates for both carriers, The General is quite a bit more expensive than Missouri Farm Bureau, with premiums averaging $241 a month compared to just $111 with Missouri Farm Bureau.

That being said, that doesn't mean Missouri Farm Bureau will necessarily be more affordable than The General for every single driver. Insurance companies vary their prices depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and tons of other factors, so premiums will differ quite a bit from person to person.

So, if you want to find out which of Missouri Farm Bureau or The General is really the best for you, keep reading to see average rates for each company broken down by lots of different rate factors.

Missouri Farm Bureau vs. The General: Average Car Insurance Rates by State

Missouri Farm Bureau and The General only compete against each other in Missouri, where Missouri Farm Bureau offers the cheaper average prices. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their car insurance.

But there's more to calculating insurance rates than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Missouri Farm Bureau for their insurance pay almost 45% less than those who use The General.

But both carriers will reduce prices by the time you turn 25. The General offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Missouri Farm Bureau still has the lowest premiums at $94 monthly.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest car insurance rates you'll ever find. After all, they've likely been driving for quite some time, which generally reduces their chances of collisions and other infractions that can raise prices.

When looking at Missouri Farm Bureau and The General specifically, which carrier is best for retired drivers? Missouri Farm Bureau gets the edge here, with average rates coming in at around $81 per month compared to The General's $195.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance prices than married drivers. That's because policies for married couples normally cover more than one vehicle, which lots of companies will give you a discount for.

For those who are single, the difference in average premiums between these two carriers is significant, with Missouri Farm Bureau prices coming in at about half of The General's. The advantage is also clear for married policyholders - Missouri Farm Bureau offers the most affordable average rates.

Missouri Farm Bureau or The General: Average Rates by Gender

Did you know women tend to pay less for car insurance than men? That's because men are more likely to get tickets and get into collisions, which increases the chances of filing a claim with insurance.

On average, women see premiums around $15 a month cheaper with Missouri Farm Bureau, but with The General, the difference is closer to $32 per month.

Looking at overall affordability, Missouri Farm Bureau offers the cheapest average rates for both men and women, with average premiums 54% less for men and 55% cheaper for women.

Missouri Farm Bureau vs. The General: 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 isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Missouri Farm Bureau has the significant edge, with average monthly prices coming in at $51. If you want a full coverage policy with the same state minimum limits, Missouri Farm Bureau again has the edge, with policies averaging about $170 a month to The General's $329.

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

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

You'll probably end up paying more with accidents and speeding tickets on your record, but which of these two companies offers the lowest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Missouri Farm Bureau for their auto insurance can generally expect their monthly bill to go up around 5% after getting a speeding ticket. The General policyholders can expect a bit more drastic of an increase of about 20%.

However, Missouri Farm Bureau is typically the more affordable option for both drivers who have a recent ticket and those with clean records -- their rates are around 49% less expensive for drivers with clean records and 57% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Missouri Farm Bureau drivers who get in an accident can expect to see their prices increase by over $10, while those who have insurance through The General will see around a $85 increase.

At the end of the day, drivers who use Missouri Farm Bureau end up with the cheaper prices after an accident, with average rates coming in at $109 compared to The General's $279.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than a collision or speeding ticket. The General drivers usually see a 24% increase in their car insurance prices after a DUI charge, while Missouri Farm Bureau will usually raise rates by about 28%.

But if you end up with a DUI charge and are looking for more affordable premiums, Missouri Farm Bureau tends to be less expensive for the average driver, with monthly premiums coming in at around $134 to The General's $254.

How does Credit Score Impact Missouri Farm Bureau and The General Rates?

Did you know many insurance carriers take your credit score into account when determining rates? This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it might come into play for several policyholders.

The reasoning car insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper premiums.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Missouri Farm Bureau or The General 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 how much auto insurance carriers will charge for coverage. Normally, the more milage you put on your car, the more you can expect to pay for coverage.

In this case, neither Missouri Farm Bureau or The General report increasing rates for drivers with higher annual mileage figures. Still, Missouri Farm Bureau comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle every year, with average premiums of $111 per month for both.

Missouri Farm Bureau or The General: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big role in how much you pay for car insurance. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads where they live.

When comparing these two companies side-by-side, Missouri Farm Bureau generally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Missouri Farm Bureau's average prices are about $132 a month compared to The General's $310. People in suburban areas pay around $109 with Missouri Farm Bureau compared to The General's $225 a month. If you live in a rural area, you can expect to pay about $90 per month with Missouri Farm Bureau compared to The General's $189.

Missouri Farm Bureau vs. The General Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts Missouri Farm Bureau and The General offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Missouri Farm Bureau comes out ahead with seven discounts to The General's six.

There are a couple discounts both carriers offer, but Missouri Farm Bureau also offers discounts for good student, hybrid vehicle, multi-car, and more.

On the other hand, The General has a few proprietary discounts of their own for things like defensive driver discounts, group discounts, homeowner discounts, and more.

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

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

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

• Your credit is below-average.
• You want to save extra money with discounts.
• You've started working from home and don't have much of a commute.

The General might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Missouri Farm Bureau and The General and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of carriers, not just Missouri Farm Bureau and The General. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Missouri Farm Bureau vs. The General FAQs

Is Missouri Farm Bureau or The General cheaper?

Missouri Farm Bureau is the less expensive of the two carriers when looking at national average rates, with policies averaging $111 per month with Missouri Farm Bureau and $241 for The General. Even so, that doesn't mean Missouri Farm Bureau will be the cheapest carrier for everyone, since there are several different factors that are considered when it comes to your auto insurance payment.

Who is better, Missouri Farm Bureau or The General?

Sadly, the answer truly is "it depends.". One company is not "better" for each policyholder -- it all depends on the makeup of your unique car insurance profile.

Why do Missouri Farm Bureau and The General offer me different rates?

Insurance companies use many different variables when calculating the prices they charge. Factors such as where you live, where you park your vehicle, age, gender, and sometimes even things like your credit score can all be used. Both Missouri Farm Bureau and The General calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information 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 best rate. And maybe you'll find that the best carrier for you isn't Missouri Farm Bureau or The General 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.