Picking an auto insurance company can be hard: rates may vary based on your driving history, age, and location, and companies offer an array of discounts. Farm Bureau Mutual and Safe Auto are two of America's most popular auto insurance companies, providing high-quality policies in most American states.
To help take the sting out of shopping for car insurance, we've gathered typical rates from Safe Auto and Farm Bureau Mutual. These take into consideration an array of rating factors, including credit, driving history, and age. Check out the below rates and find your next car insurance policy today.
If you have very poor credit, Farm Bureau Mutual could be preferable to Farm Bureau Mutual. Typically, Farm Bureau Mutual offers better rates than Safe Auto for drivers with credit scores of lower than 580. Insurance shoppers with excellent credit — a score of 800 or higher — should opt for Farm Bureau Mutual, which typically beats Safe Auto by $1,058 per year. Check out typical insurance costs by credit tier for Safe Auto and Farm Bureau Mutual below.
| Credit score | Farm Bureau Mutual avg. annual premium | Safe Auto avg. annual premium |
| Very Poor (300-579) | $1,780 | $3,799 |
| Fair (580-669) | $1,126 | $2,483 |
| Good (670-739) | $1,193 | $3,358 |
| Very Good (740-799) | $932 | $1,937 |
| Exceptional (800-850) | $863 | $1,921 |
If you're carrying an at-fault accident, speeding ticket, reckless driving violation, or DUI in your rear view mirror, Farm Bureau Mutual could be a better choice than Safe Auto. Every insurer prices its policies differently, so it's worth comparing quotes to understand which insurer suits you.
| Infraction | Farm Bureau Mutual avg. annual premium | Safe Auto avg. annual premium |
| At-fault accident (damage < $1,000) | $1,224 | $2,867 |
| At-fault accident (damage > $1,000) | $1,294 | $2,837 |
| DUI/DWI | $1,850 | $2,867 |
| Reckless driving | $1,546 | $2,867 |
| Speeding ticket | $1,025 | $2,738 |
Insurers rely on a driver's age as an indicator of potential risk, pricing policies accordingly. An auto insurance policy is often more expensive for teen drivers — because of their inexperience — and more affordable for older drivers. Since every insurance company rates age brackets uniquely, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose Farm Bureau Mutual over Safe Auto: Farm Bureau Mutual offers average yearly savings of $5,495, compared to Safe Auto.
| Age bracket | Farm Bureau Mutual avg. annual premium | Safe Auto avg. annual premium |
| Teens | $2,767 | $8,262 |
| 20s | $1,545 | $2,764 |
| 30s | $984 | $2,764 |
| 40s | $961 | $2,053 |
| 50s | $866 | $1,862 |
| 60s | $870 | $1,707 |
Aside from affordability, Farm Bureau Mutual and Safe Auto each come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Farm Bureau Mutual | Safe 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 Comparison | Farm Bureau Mutual | Safe Auto |
|---|---|---|
| Financial Strength | Excellent | Good |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A | A+ |
| Other Products | Farm Bureau Mutual | Safe Auto |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Farm Bureau Mutual | Safe Auto |
|---|---|---|
| About | Farm 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. | Safe Auto strives to provide affordable insurance to every driver, no matter the situation. |
| Roadside Assistance | Farm 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. | Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable. |
| Additional Discounts | None Available | 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 Questions | 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 More | Farm Bureau Mutual vs. 21st Century Farm Bureau Mutual vs. Allied Farm Bureau Mutual vs. Allstate Farm Bureau Mutual vs. American Family Farm Bureau Mutual vs. Amica Mutual Insurance Farm Bureau Mutual vs. Auto Club (AAA) Farm Bureau Mutual vs. Erie Farm Bureau Mutual vs. Farmers Farm Bureau Mutual vs. GEICO Farm Bureau Mutual vs. Infinity Farm Bureau Mutual vs. Liberty Mutual Farm Bureau Mutual vs. Mercury Farm Bureau Mutual vs. MetLife Farm Bureau Mutual vs. Nationwide Farm Bureau Mutual vs. North Star Mutual Farm Bureau Mutual vs. Progressive Farm Bureau Mutual vs. Safeco Farm Bureau Mutual vs. State Farm | Safe 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. Farmers 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 Offered | Arizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota Utah | Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia |