Farmers vs. Safe Auto

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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.

Want to find out more? Read full-length reviews of Farmers and Safe Auto.

 

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
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 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
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 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
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
 

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
Good Student supported supported
Multiple Policies supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported supported
Good Driver supported supported
Defensive Driver
Student Away at School supported
Driver Training
Green Vehicles supported
Affinity Membership Alum
Advanced Purchase
Pay in Full supported
Home Owner supported supported
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings Comparison Farmers Safe Auto
Financial Strength Question mark icon Excellent N/A
JD Power Rankings Question mark icon Excellent N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Farmers Safe Auto
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance supported
Renters Insurance supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
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.
Recent Questions Will my Farmers insurance roadside assistance provide towing up to 250 miles?
Roadside assistance varies by insurance company. From my understanding, most towing and roadside assistance coverage offered as part of an auto policy either has a set dollar amount to cover a tow, covers towing up to 15 miles from your breakdown, or covers towing to the nearest repair facility.
See More Questions
Do I pay a deductible for a liability claim?
You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.
See More Questions
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