State Farm vs. Safe Auto

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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: insurance rate comparison


State Farm vs. Safe Auto: prices 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.

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: high-risk insurance rates

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.

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: rates by age bracket

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
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
Good Student supported supported
Multiple Policies supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported
Air Bags supported supported
Good Driver supported supported
Defensive Driver supported
Student Away at School supported
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase
Pay in Full supported
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage supported
Ratings Comparison State Farm Safe Auto
Financial Strength Question mark icon Excellent N/A
JD Power Rankings Question mark icon Above average N/A
User Satisfaction Question mark icon 4.5/5 4.5/5
Other Products State Farm 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 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.
Recent Questions 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.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
Does State Farm cover rodent damage to my car's electrical wiring through comprehensive coverage?
While I can't speak specifically for State Farm, most companies will cover damage caused by a rodent under comprehensive coverage. For specifics about your State Farm policy, you will want to contact them directly.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
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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