Farmers vs Safe Auto Car Insurance

Compare rates from the top car insurance companies in your area.

Location pin icon
Your information is secure.

Farmers or SafeAuto:
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 ComparisonFarmersSafeAuto
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 ComparisonFarmersSafeAuto
Financial Strength ExcellentGood
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A+

A+

Other ProductsFarmersSafeAuto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersSafeAuto
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 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?

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
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. USAASafeAuto vs. 21st Century SafeAuto vs. Allied SafeAuto vs. Allstate SafeAuto vs. American Family SafeAuto vs. Amica Mutual Insurance SafeAuto vs. Auto Club (AAA) SafeAuto vs. Erie SafeAuto vs. Esurance SafeAuto vs. Farm Bureau Mutual SafeAuto vs. Foremost SafeAuto vs. GEICO SafeAuto vs. Infinity SafeAuto vs. Liberty Mutual SafeAuto vs. Mercury SafeAuto vs. MetLife SafeAuto vs. Nationwide SafeAuto vs. North Star Mutual SafeAuto vs. Progressive SafeAuto vs. SAFECO SafeAuto vs. State Farm SafeAuto vs. The General SafeAuto vs. The Hartford SafeAuto vs. Titan SafeAuto vs. Travelers SafeAuto 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

Chevron left icon
Survey: Americans in the Dark about Car Insurance
Survey: Americans in the Dark about Car Insurance
Oct 24, 2017

“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...

Editorial: A Need for Optionality in Insurance
Editorial: A Need for Optionality in Insurance
Sep 19, 2017

Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...

InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
Aug 28, 2017

Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...

Why Tesla is Opting to Insure Its Own Cars
Why Tesla is Opting to Insure Its Own Cars
Apr 13, 2017

As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

The Strangest Insurance Policies We’ve Ever Heard Of
The Strangest Insurance Policies We’ve Ever Heard Of
Sep 16, 2016

At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...

It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
Jul 05, 2016

Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...

The Absurd Spectrum of Auto Insurance Fraud
The Absurd Spectrum of Auto Insurance Fraud
May 24, 2016

Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...

When Does a Little White Lie Become Insurance Fraud?
When Does a Little White Lie Become Insurance Fraud?
May 09, 2016

In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...

Why Your Auto Insurance Rates Could Be Rising This Year
Why Your Auto Insurance Rates Could Be Rising This Year
Feb 01, 2016

Rate increase? Click to find the cheapest rates on car insurance →   Lower gas prices = more road traffic...

Editorial: A Need for Transparency in Car Insurance
Editorial: A Need for Transparency in Car Insurance
Jan 26, 2016

By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...

Will Insurance Companies Turn to Social Media to Assess Your Risk?
Will Insurance Companies Turn to Social Media to Assess Your Risk?
Oct 21, 2015

In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...

Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Oct 16, 2015

The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....

Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015

Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...

How to Get Car Insurance for Undocumented Citizens
How to Get Car Insurance for Undocumented Citizens
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

Car Insurance Scams: Are You A Target?
Car Insurance Scams: Are You A Target?
Aug 10, 2015

Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....

Insurance Telematics USA 2015: A Conference Looking to the Future
Insurance Telematics USA 2015: A Conference Looking to the Future
Jul 07, 2015

Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....

When Traffic Tickets Cause Insurance Premiums to Rise
When Traffic Tickets Cause Insurance Premiums to Rise
Jun 30, 2015

A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...

Could Your Voting Record Affect Your Car Insurance Rates?
Could Your Voting Record Affect Your Car Insurance Rates?
Jun 12, 2015

Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...

Should Price Optimization Be Illegal?
Should Price Optimization Be Illegal?
Feb 23, 2015

If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...

This Guy Could Revolutionize Insurance Company Reviews
This Guy Could Revolutionize Insurance Company Reviews
Jul 24, 2014

You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...

Chevron right icon