Farm Bureau Mutual vs. SAFECO Car Insurance

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Farm Bureau Mutual or Safeco:
Which Company is Best for You?

Choosing an auto insurance company can be tricky: companies' rates may vary by driving record, location, and age, and every company provides a different set of discounts. Farm Bureau Mutual and safeco are counted among the most popular auto insurance companies, selling competitively priced policies in most regions.

To help simplify the insurance-shopping process, we've gathered average prices from safeco and Farm Bureau Mutual. These cover a variety of rating factors, including credit history, driving history, and age. Examine these figures and find an affordable policy today.


Comparing car insurance rates: Farm Bureau Mutual vs. safeco


Farm Bureau Mutual vs. safeco: pricing by credit score

If you have very bad credit, Farm Bureau Mutual could be the way to go. Typically, Farm Bureau Mutual offers better rates than safeco for drivers with credit scores of less than 580. Those with exceptional credit — a score of 800 or better — should lean toward Farm Bureau Mutual, which typically beats safeco by $792 per year. View average insurance costs by credit tier for safeco and Farm Bureau Mutual below.


RATES BY CREDIT SCORE: safeco VS. FARM BUREAU MUTUAL
Credit levelFarm Bureau Mutual avg. annual premiumsafeco avg. annual premium
Very Poor (300-579)$1,780$5,308
Fair (580-669)$1,126$2,716
Good (670-739)$1,193$1,967
Very Good (740-799)$932$1,871
Exceptional (800-850)$863$1,655

Farm Bureau Mutual vs. safeco: rates for high-risk drivers

If you have an at-fault crash, speeding violation, reckless driving citation, or DWI on your driving résumé, Farm Bureau Mutual could be a better choice than safeco. Each insurer will handle driving offenses differently, so it's worth comparing quotes to understand which insurer is best for you.


RATES BY VIOLATION: safeco VS. FARM BUREAU MUTUAL
InfractionFarm Bureau Mutual avg. annual premiumsafeco avg. annual premium
At-fault accident (damage < $1,000)$1,224$2,546
At-fault accident (damage > $1,000)$1,294$1,969
DUI/DWI$1,850$2,796
Reckless driving$1,546$2,853
Speeding ticket$1,025$2,512

Farm Bureau Mutual vs. safeco: rates by age

Car insurance companies rely on age as an indicator of potential risk, pricing policies accordingly. Insurance is commonly more expensive for teen drivers — due to their inexperience — and more affordable for middle-aged drivers. Because each insurance company rates ages uniquely, it's a smart move to shop around.

As a general rule, teen drivers should choose Farm Bureau Mutual over safeco: Farm Bureau Mutual offers average yearly savings of $4,998, compared to safeco.


AGE BRACKET INSURANCE RATE COMPARISON: safeco VS. FARM BUREAU MUTUAL
Age tierFarm Bureau Mutual avg. annual premiumsafeco avg. annual premium
Teens$2,767$7,765
20s$1,545$2,566
30s$984$2,566
40s$961$2,128
50s$866$1,745
60s$870$1,687

Setting aside cost, Farm Bureau Mutual and safeco each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarm Bureau MutualSafeco
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonFarm Bureau MutualSafeco
Financial Strength ExcellentExcellent
JD Power Rankings Not Rated
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A

A+

Other ProductsFarm Bureau MutualSafeco
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Life Insurance
Homeowners Insurance
Travel Trailer Insurance
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Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarm Bureau MutualSafeco
AboutFarm Bureau Mutual of Iowa focuses on building trusted relationships and helping you protect what matters most, so they can help you find the right products at the right time as you work to achieve your goals.Why customers love us: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust - Safeco Insurance is a proud part of Liberty Mutual Insurance, a Fortune 100 company. Liberty Mutual is rated “A” by A.M. Best Company.
Roadside AssistanceFarm Bureau Mutual offers 24/7 roadside assistance to members at no added expense. The company's Emergency Roadside Assistance coverage includes up to $100 for emergency service nationwide.Safeco offers roadside assistance 24/7 as an option to your policy and includes coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional DiscountsNone AvailableSafeco is a subsidiary of Liberty Mutual and offers claim service 24/7.
Recent QuestionsWhat can I do about fixing incorrect information on my driving record?
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.
If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.
Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.
Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.
See More Questions
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States OfferedArizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota UtahArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Farm Bureau Mutual vs. SAFECO

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