State Farm vs Safe Auto: Which is Better for You?
Compare rates from the top car insurance companies in your area.
State Farm or Safe Auto: Which company is best for you?
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.
Find out more: Check out our full reviews of State Farm and Safe Auto.
State Farm vs. Safe Auto: by credit level
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.
INSURER RATES BY CREDIT SCORE: SAFE AUTO VS. STATE FARM
| Credit level | State Farm avg. annual premium | Safe Auto avg. annual premium |
| Very Poor (300-579) | $3,522 | $3,799 |
| Fair (580-669) | $2,003 | $2,483 |
| Good (670-739) | $1,613 | $3,358 |
| Very Good (740-799) | $1,451 | $1,937 |
| Exceptional (800-850) | $1,260 | $1,921 |
State Farm vs. Safe Auto: by citation
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.
INSURER RATES BY VIOLATION: SAFE AUTO VS. STATE FARM
| 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 |
| DUI/DWI | $3,854 | $2,867 |
| Reckless driving | $2,895 | $2,867 |
| Speeding ticket | $1,983 | $2,738 |
State Farm vs. Safe Auto: by age
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.
INSURER RATES BY AGE: SAFE AUTO VS. STATE FARM
| Age | State Farm avg. annual premium | Safe Auto avg. annual premium |
| Teens | $5,820 | $8,262 |
| 20s | $2,379 | $2,764 |
| 30s | $1,585 | $2,764 |
| 40s | $1,587 | $2,053 |
| 50s | $1,558 | $1,862 |
| 60s | $1,485 | $1,707 |
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 |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum |
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| Pay in Full |
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| Military |
| Ratings Comparison | State Farm | Safe Auto |
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| Financial Strength | Excellent | N/A |
| JD Power Rankings | Above average | N/A |
| User Satisfaction | 4.5/5 | 4.5/5 |
| Other Products | State Farm | Safe Auto |
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| Travel Trailer Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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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. |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia |