Farmers vs SAFECO Car Insurance

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

Location pin icon
Your information is secure.

Farmers or SAFECO:
Which Company is Best for You?

Selecting a car insurance company is sometimes difficult: the rates each insurer offers can vary widely based on your location, age, and driving history, and every company provides a different set of discounts. Farmers and SAFECO are two of America's most popular insurance companies, selling competitively priced policies in many states.

In an effort to simplify the process of comparing insurance companies, we've gathered average rates from SAFECO and Farmers. The below rates cover a number of rating factors, including credit history, driving behavior, and age. Compare rates and find the perfect policy for you.


Comparing car insurance rates: Farmers vs. SAFECO


Farmers vs. SAFECO: pricing by credit score

If you have very poor credit, Farmers could be a better option for you. Typically, Farmers offers better prices than SAFECO for prospective clients with credit scores of less than 580. Those with outstanding credit — a score of 800-plus — should lean toward Farmers, which typically beats SAFECO by $301 per year. View average insurance rates by credit score for SAFECO and Farmers below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: SAFECO VS. Farmers
Credit levelFarmers avg. annual premiumSAFECO avg. annual premium
Very Poor (300-579)$2,633$5,308
Fair (580-669)$1,736$2,716
Good (670-739)$1,882$1,967
Very Good (740-799)$1,459$1,871
Exceptional (800-850)$1,354$1,655

Farmers vs. SAFECO: rates for high-risk drivers

If you're carrying an at-fault collision, speeding violation, reckless driving citation, or DUI on your record, Farmers could be a better choice than SAFECO. Every insurance company prices its policies differently, so don't hesitate to shop around to figure out which insurer is best for you.


HIGH-RISK INSURANCE RATE COMPARISON: SAFECO VS. Farmers
CitationFarmers avg. annual premiumSAFECO avg. annual premium
At-fault accident (damage < $1,000)$2,334$2,546
At-fault accident (damage > $1,000)$1,699$1,969
DUI/DWI$3,239$2,796
Reckless driving$4,636$2,853
Speeding ticket$2,045$2,512

Farmers vs. SAFECO: rates by age

Insurance companies use age as an indicator of potential risk, assigning rates accordingly. An auto insurance policy is typically more expensive for teen drivers — due to their increased odds of being involved in an accident — and most affordable for older drivers. Because every auto insurance company rates age tiers differently, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose Farmers instead of SAFECO: Farmers offers average yearly savings of $1,247, compared to SAFECO.


AGE BRACKET INSURANCE RATE COMPARISON: SAFECO VS. Farmers
Age bracketFarmers avg. annual premiumSAFECO avg. annual premium
Teens$6,518$7,765
20s$2,020$2,566
30s$1,543$2,566
40s$1,511$2,128
50s$1,507$1,745
60s$1,402$1,687

Costs aside, there are myriad pros and cons of both Farmers and SAFECO, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonFarmersSAFECO
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 ComparisonFarmersSAFECO
Financial Strength ExcellentExcellent
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 ProductsFarmersSAFECO
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersSAFECO
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.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 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.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 DiscountsFarmers offers an additional discount for seniors.Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7.
Recent 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. Safe Auto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAASAFECO vs. 21st Century SAFECO vs. Allied SAFECO vs. Allstate SAFECO vs. American Family SAFECO vs. Amica Mutual Insurance SAFECO vs. Auto Club (AAA) SAFECO vs. Erie SAFECO vs. Esurance SAFECO vs. Farm Bureau Mutual SAFECO vs. Foremost SAFECO vs. GEICO SAFECO vs. Infinity SAFECO vs. Mercury SAFECO vs. MetLife SAFECO vs. Nationwide SAFECO vs. North Star Mutual SAFECO vs. Progressive SAFECO vs. Safe Auto SAFECO vs. State Farm SAFECO vs. The General SAFECO vs. The Hartford SAFECO vs. Titan SAFECO vs. Travelers SAFECO vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Farmers vs SAFECO

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