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 levelFarmers avg. annual premiumSafe 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
ViolationFarmers avg. annual premiumSafe 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 bracketFarmers avg. annual premiumSafe 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 ComparisonFarmersSafe 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 ComparisonFarmersSafe Auto
Financial Strength ExcellentGood
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+

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Other FeaturesFarmersSafe Auto
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.Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
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.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional DiscountsFarmers 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 QuestionsShould senior citizens carry collision insurance?
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most&nbsp;cases.
Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
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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.
Do I pay a deductible for a liability claim?
You are not responsible for a&nbsp;deductible&nbsp;unless you have&nbsp;comprehensive&nbsp;and&nbsp;collision&nbsp;coverage. Since you only have&nbsp;liability, the damages to your car will not be covered which means there is no&nbsp;deductible.
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