Farm Bureau Mutual vs. Safeco

Choosing an auto insurance company can be tricky: companies' rates may vary by driving record, location, and age, and every company provides a different set of discounts. Farm Bureau Mutual and Safeco are counted among the most popular auto insurance companies, selling competitively priced policies in most regions.

To help simplify the insurance-shopping process, we've gathered average prices from Safeco and Farm Bureau Mutual. These cover a variety of rating factors, including credit history, driving history, and age. Examine these figures and find an affordable policy today.

Comparing car insurance rates: Farm Bureau Mutual vs. Safeco

Farm Bureau Mutual vs. Safeco: pricing by credit score

If you have very bad credit, Farm Bureau Mutual could be the way to go. Typically, Farm Bureau Mutual offers better rates than Safeco for drivers with credit scores of less than 580. Those with exceptional credit — a score of 800 or better — should lean toward Farm Bureau Mutual, which typically beats Safeco by $792 per year. View average insurance costs by credit tier for Safeco and Farm Bureau Mutual below.

RATES BY CREDIT SCORE: SAFECO VS. FARM BUREAU MUTUAL

Credit level	Farm Bureau Mutual avg. annual premium	Safeco avg. annual premium
Very Poor (300-579)	$1,780	$5,308
Fair (580-669)	$1,126	$2,716
Good (670-739)	$1,193	$1,967
Very Good (740-799)	$932	$1,871
Exceptional (800-850)	$863	$1,655

Farm Bureau Mutual vs. Safeco: rates for high-risk drivers

If you have an at-fault crash, speeding violation, reckless driving citation, or DWI on your driving résumé, Farm Bureau Mutual could be a better choice than Safeco. Each insurer will handle driving offenses differently, so it's worth comparing quotes to understand which insurer is best for you.

RATES BY VIOLATION: SAFECO VS. FARM BUREAU MUTUAL

Infraction	Farm Bureau Mutual avg. annual premium	Safeco avg. annual premium
At-fault accident (damage < $1,000)	$1,224	$2,546
At-fault accident (damage > $1,000)	$1,294	$1,969
DUI/DWI	$1,850	$2,796
Reckless driving	$1,546	$2,853
Speeding ticket	$1,025	$2,512

Farm Bureau Mutual vs. Safeco: rates by age

Car insurance companies rely on age as an indicator of potential risk, pricing policies accordingly. Insurance is commonly more expensive for teen drivers — due to their inexperience — and more affordable for middle-aged drivers. Because each insurance company rates ages uniquely, it's a smart move to shop around.

As a general rule, teen drivers should choose Farm Bureau Mutual over Safeco: Farm Bureau Mutual offers average yearly savings of $4,998, compared to Safeco.

AGE BRACKET INSURANCE RATE COMPARISON: SAFECO VS. FARM BUREAU MUTUAL

Age tier	Farm Bureau Mutual avg. annual premium	Safeco avg. annual premium
Teens	$2,767	$7,765
20s	$1,545	$2,566
30s	$984	$2,566
40s	$961	$2,128
50s	$866	$1,745
60s	$870	$1,687

Setting aside cost, Farm Bureau Mutual and Safeco each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.