Choosing an auto insurance company is sometimes difficult: every company's rates differ based on your driving record, age, and location, and every company's discounts differ. State Farm and Safe Auto are two of the most popular car insurance companies, selling high-quality policies in most US states.
In an effort to simplify the process of comparing insurance companies, we have gathered average rates from Safe Auto and State Farm. The below rates cover myriad rating factors, including credit quality, driving history, and demographics. Examine these rates and find the right policy for you.
If you have very poor credit, State Farm could be preferable to State Farm. On average, State Farm offers cheaper premiums than Safe Auto for drivers with credit scores of 579 or less. Drivers with excellent credit — a score of 800 or higher — should favor State Farm, which typically beats Safe Auto by $661 annually. View common insurance rates by credit level for Safe Auto and State Farm below.
|Credit level||State Farm avg. annual premium||Safe Auto avg. annual premium|
|Very Poor (300-579)||$3,522||$3,799|
|Very Good (740-799)||$1,451||$1,937|
If you're saddled with an at-fault accident, ticket, reckless driving citation, or DUI in your rear view mirror, State Farm could be a better choice than Safe Auto. Every insurance company prices policies differently after a violation, so it's worth comparing quotes to understand which insurance company suits you.
|Citation||State Farm avg. annual premium||Safe Auto avg. annual premium|
|At-fault accident (damage < $1,000)||$2,849||$2,867|
|At-fault accident (damage > $1,000)||$1,524||$2,837|
Insurers rely on a driver's age to estimate risk, assigning rates accordingly. A car insurance policy is usually expensive for beginning and young drivers — thanks to their inexperience — and more affordable for drivers aged 25 or older. Because every auto insurance company prices ages in a different way, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose State Farm over Safe Auto: State Farm offers average yearly savings of $2,442, compared to Safe Auto.
|Age||State Farm avg. annual premium||Safe Auto avg. annual premium|
Costs aside, State Farm and Safe Auto each have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
|Discount Comparison||State Farm||Safe Auto|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||Safe Auto|
|JD Power Rankings||Above average||N/A|
|Other Products||State Farm||Safe Auto|
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|Other Features||State Farm||Safe Auto|
|About||Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.||Safe Auto strives to provide affordable insurance to every driver, no matter the situation.|
|Roadside Assistance||State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.||Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.|
|Additional Discounts||State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.||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.|
Should I file a claim through State Farm?
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%.Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.See More 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.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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