Farmers vs Safe Auto Car Insurance

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Farmers or Safe Auto:
Which Company is Best for You?

Selecting an auto insurance company can be tricky: companies' rates differ based on your driving record, age, and location, and every company's discounts vary. Farmers and Safe Auto are two of the US' most popular car insurance companies, providing high-quality insurance policies across most of the US.

In an effort to take the sting out of shopping for car insurance, we've gathered average policy prices from Safe Auto and Farmers. The below rates cover a variety of pricing components, including credit quality, driving history, and age. Examine these rates and find the perfect policy for you.


Farmers vs. Safe Auto: premium comparison


Farmers vs. Safe Auto: prices by credit level

If you have very poor credit, Farmers could be a better option for you. On average, Farmers offers better rates than Safe Auto for prospective clients with credit scores of less than 580. Drivers with extraordinary credit — a score of 800-plus — should opt for Farmers, which typically beats Safe Auto by $567 annually. Check out average insurance rates by credit tier for Safe Auto and Farmers below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Safe Auto VS. Farmers
Credit levelFarmers avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$2,633$3,799
Fair (580-669)$1,736$2,483
Good (670-739)$1,882$3,358
Very Good (740-799)$1,459$1,937
Exceptional (800-850)$1,354$1,921

Farmers vs. Safe Auto: rates after infractions

If you're saddled with an at-fault crash, speeding violation, reckless driving violation, or DUI on your driving résumé, Farmers could be a better choice than Safe Auto. Every car insurance company will handle driving offenses differently, so don't be afraid to shop around to find out which insurer is best for you.


HIGH-RISK INSURANCE RATE COMPARISON: Safe Auto VS. Farmers
ViolationFarmers avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$2,334$2,867
At-fault accident (damage > $1,000)$1,699$2,837
DUI/DWI$3,239$2,867
Reckless driving$4,636$2,867
Speeding ticket$2,045$2,738

Farmers vs. Safe Auto: rates by age

Car insurance companies use age to estimate risk, pricing policies accordingly. Car insurance is often priciest for drivers younger than 25 — due to their inexperience — and more affordable for middle-aged drivers. Since every insurance company prices ages uniquely, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Farmers over Safe Auto: Farmers offers average yearly savings of $1,744, compared to Safe Auto.


RATES BY AGE BRACKET: Safe Auto VS. Farmers
Age tierFarmers avg. annual premiumSafe Auto avg. annual premium
Teens$6,518$8,262
20s$2,020$2,764
30s$1,543$2,764
40s$1,511$2,053
50s$1,507$1,862
60s$1,402$1,707

Aside from finances, there are myriad pros and cons of both Farmers and Safe Auto, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarmersSafe Auto
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 ComparisonFarmersSafe Auto
Financial Strength ExcellentGood
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A+

A+

Other ProductsFarmersSafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersSafe Auto
AboutFarmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.At SafeAuto, we strive to provide caring and professional customer service 24/7, and to help make insurance affordable to every driver, no matter the situation. We provide you flexibility to access your accounts and make payments online, by phone, or through our mobile app. We offer convenience through our hassle-free automatic payments and immediate proof of insurance when you insure with us.
Roadside AssistanceFarmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional DiscountsFarmers offers an additional discount for seniors.Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
Recent QuestionsAre some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

Does Farmers allow exclusions?

Can I exclude my boyfriend on my Farmer’s car insurance policy?...

Will my farmers insurance cover my towing off the the NJ turnpike

Car was towed to the nearest exit off of the turnpike...

Will insurance cover someone other than the insured?

My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...

See More Questions
Should I get full coverage from a less well-known insurer?

I recently wrecked my car, my fault, with only liability. I need to replace it and the collision place that ...

Who is at-fault when parking spot stopper had bolts sticking out of it?

I pulled too far forward while parking and hit the cement stopper which had bolts sticking out of it. It ...

If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?

My daughter is listed as a driver on my policy but she just recently got the car and I haven’t ...

Do car insurance companies share information?

My rate went up after I had an accident so I shopped around and found a better price with a ...

See More Questions
Compare MoreFarmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. SAFECO Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAASafe Auto vs. 21st Century Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farm Bureau Mutual Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. North Star Mutual Safe Auto vs. Progressive Safe Auto vs. SAFECO Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia
Additional Resources:

Farmers vs Safe Auto

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