Farmers vs Safe Auto: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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.
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 level||Farmers avg. annual premium||Safe Auto avg. annual premium|
|Very Poor (300-579)||$2,633||$3,799|
|Very Good (740-799)||$1,459||$1,937|
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
|Violation||Farmers avg. annual premium||Safe Auto avg. annual premium|
|At-fault accident (damage < $1,000)||$2,334||$2,867|
|At-fault accident (damage > $1,000)||$1,699||$2,837|
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 bracket||Farmers avg. annual premium||Safe Auto avg. annual premium|
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 Comparison||Farmers||Safe Auto|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Farmers||Safe Auto|
|JD Power Rankings||Excellent||N/A|
|Other Products||Farmers||Safe Auto|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Farmers||Safe Auto|
|About||Farmers Insurance Hawaii knows how important it is for you to protect your vehicle and save money. That’s why they offer discounts and benefits you may want, along with unparalleled customer and claim service.||Safe Auto strives to provide affordable insurance to every driver, no matter the situation.|
|Roadside Assistance||Farmer'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 Discounts||Farmers 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.|
|Top States||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia|