Choosing a car insurer can be difficult: rates can fluctuate based on your location, vehicle, and driving record, and companies offer an array of perks. State Farm and safeco are among America's most popular insurance companies, offering competitively priced coverage across large portions of the US.
In an effort to simplify the insurance-shopping process, we've pulled average policy prices from safeco and State Farm. These cover a variety of rating factors, including credit, driving behavior, and age. Check out the below rates and find your next car insurance policy today.
If you have very poor credit, State Farm could be the way to go. On average, State Farm offers lower rates than safeco for prospective clients with credit scores of 579 or less. Drivers with outstanding credit — a score of 800 or better — should favor State Farm, which typically beats safeco by $395 annually. Check out common insurance rates by credit tier for safeco and State Farm below.
|Credit level||State Farm avg. annual premium||safeco avg. annual premium|
|Very Poor (300-579)||$3,522||$5,308|
|Very Good (740-799)||$1,451||$1,871|
If you are carrying an at-fault accident, speeding ticket, reckless driving violation, or DUI on your record, safeco could be a better choice than State Farm. Each insurer has different post-violation pricing structures, so don't hesitate to shop around to understand which insurer suits you.
|Violation||State Farm avg. annual premium||safeco avg. annual premium|
|At-fault accident (damage < $1,000)||$2,849||$2,546|
|At-fault accident (damage > $1,000)||$1,524||$1,969|
Insurance companies use a driver's age to estimate risk, pricing policies on a sliding scale. A car insurance policy is usually priciest for teens — due to their increased odds of being involved in an accident — and relatively affordable for drivers aged 25 or older. Since each insurance company evaluates age tiers in a different way, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose State Farm instead of safeco: State Farm offers average yearly savings of $1,945 versussafeco.
|Age tier||State Farm avg. annual premium||safeco avg. annual premium|
Finances aside, State Farm and safeco each carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||State Farm||Safeco|
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|Ratings Comparison||State Farm||Safeco|
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|Other Products||State Farm||Safeco|
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|Other Features||State Farm||Safeco|
|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.||Why customers love Safeco: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust: Safeco Insurance is proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company.|
|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.||Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.|
|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.||Safeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service.|
|Recent Questions||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%.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.See More Questions
|What can I do about fixing incorrect information on my driving record?|
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.See More Questions
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