Farmers vs Safe Auto Car Insurance

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

Deciding on a car insurer can be complicated: rates may vary based on your driving history, age, and location, and companies offer an array of perks. Farmers and Safe Auto are among the most popular car insurance companies, providing competitively priced coverage across large portions of the US.

In an effort to make insurance shopping seamless, we gathered average policy rates from Safe Auto and Farmers. The below rates cover a variety of rating factors, including credit score, driving record, and demographics. Take a look at these rates and find your next car insurance policy today.

Want to find out more? Read full-length reviews of Farmers and Safe Auto.


Farmers vs. Safe Auto: rate comparison


Farmers vs. Safe Auto: by credit level

If you have very poor credit, Farmers could be preferable to Farmers. Typically, Farmers offers better rates than Safe Auto for drivers with credit scores of lower than 580. Those with excellent credit — a score of 800-plus — should lean toward Farmers, which typically beats Safe Auto by $567 per year. View typical insurance rates by credit score for Safe Auto and Farmers below.


CREDIT SCORE INSURANCE RATE COMPARISON: 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 for bad drivers

If you're carrying an at-fault accident, speeding violation, reckless driving citation, or DUI offense on your résumé, Farmers could be a better choice than Safe Auto. Every insurance company will handle driving offenses differently, so it's worth comparing quotes to find out which insurer is best for you.


RATES BY CITATION: 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 bracket

Car insurance companies use a driver's age as an indicator of potential risk, assigning rates accordingly. Car insurance is typically more expensive for teen drivers — due to their inexperience — and relatively affordable for drivers aged 25 or older. Because every auto insurance company rates age tiers uniquely, it's worth comparing rates and shopping around.

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


RATES BY AGE BRACKET: Safe Auto VS. Farmers
Age bracketFarmers 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

Setting aside cost, Farmers and Safe Auto each come with pros and cons, 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
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
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 ProductsFarmersSafe Auto
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Life Insurance
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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.Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
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?
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.
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Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.
If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.
Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.
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
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Farmers vs Safe Auto

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