State Farm vs SAFECO Car Insurance

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State Farm or SAFECO:
Which Company is Best for You?

Choosing a car insurance company can be tough: rates vary by driving history, age, and location, and insurers offer a variety of perks. State Farm and SAFECO are two of the most popular insurers, selling affordable insurance policies across large portions of the US.

In an effort to simplify the comparison process, we pulled average rates from SAFECO and State Farm. These take into consideration myriad pricing components, including credit rating, driving record, and demographics. Examine these figures and find your next car insurance policy today.


State Farm vs. SAFECO: insurance rate comparison


State Farm vs. SAFECO: pricing by credit score

If you have extremely bad credit, State Farm could be the best option for you. Typically, State Farm offers cheaper rates than SAFECO for drivers with credit scores of lower than 580. Those with extraordinary credit — a score of 800 or higher — should consider State Farm, which typically beats SAFECO by $395 per year. Check out common insurance rates by credit tier for SAFECO and State Farm below.


CREDIT SCORE INSURANCE RATE COMPARISON: SAFECO VS. State Farm
Credit scoreState Farm avg. annual premiumSAFECO avg. annual premium
Very Poor (300-579)$3,522$5,308
Fair (580-669)$2,003$2,716
Good (670-739)$1,613$1,967
Very Good (740-799)$1,451$1,871
Exceptional (800-850)$1,260$1,655

State Farm vs. SAFECO: rates for drivers with bad records

If you're carrying an at-fault accident, ticket, reckless driving violation, or DUI offense on your résumé, SAFECO could be a better choice than State Farm. Every insurance company prices policies differently after a violation, so always do your due diligence and compare quotes to figure out which insurer is best for you.


RATES BY CITATION: SAFECO VS. State Farm
ViolationState Farm avg. annual premiumSAFECO avg. annual premium
At-fault accident (damage < $1,000)$2,849$2,546
At-fault accident (damage > $1,000)$1,524$1,969
DUI/DWI$3,854$2,796
Reckless driving$2,895$2,853
Speeding ticket$1,983$2,512

State Farm vs. SAFECO: rates by age

Insurance companies use a driver's age to outline risk potential, pricing premiums accordingly. An insurance policy is often most expensive for teen drivers — due to their inexperience — and most affordable for drivers aged 25 or older. Because each insurance company rates age tiers uniquely, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose State Farm instead of SAFECO: State Farm offers average yearly savings of $1,945 versusSAFECO.


COMPARING AUTO INSURANCE RATES BY AGE: SAFECO VS. State Farm
AgeState Farm avg. annual premiumSAFECO avg. annual premium
Teens$5,820$7,765
20s$2,379$2,566
30s$1,585$2,566
40s$1,587$2,128
50s$1,558$1,745
60s$1,485$1,687

Finances aside, State Farm and SAFECO each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonState FarmSAFECO
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 ComparisonState FarmSAFECO
Financial Strength SuperiorExcellent
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A++

A+

Other ProductsState FarmSAFECO
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesState FarmSAFECO
AboutGet 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.At Safeco Insurance, we promise to make it easy for you, to provide the coverage you need, to connect you with local agents who offer personal advice, and most important of all - to be there for you when you need us most. When you have a claim, we take care of it. It’s that simple. We’re backed by the financial strength of Liberty Mutual Insurance, ranked on the Fortune 100 list of the largest U.S. corporations. Trust Safeco with your auto investment, today!
Roadside AssistanceState 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 an option to your policy and includes coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional DiscountsState Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7.
Recent QuestionsWill my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?

I have state farm car insurance and I purchased additional Uhaul insurance that had liability coverage. I hit another person’s ...

Does state farm require you have a police report to file a claim?

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One deductible for two accidents?

Two accidents w/ objects 2 weeks apart. One damaged front bumper, other the back bumper. Can I file 1 claim ...

Are some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

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What can I do about fixing incorrect information on my driving record?

I called to get an insurance quote to see if I could get a lower rate and was told there ...

If my teenager rear ended another car but we aren’t filing a claim, will my insurance rate go up?

My daughter hit a car at a red light. The vehicle is worth less than a $1,000, but we are ...

Should I file a claim if my repair cost is $1,500?

I made a left turn with the flow of traffic and hit a dip; breaking my front suspension on my ...

Can I put my insurance on hold due to temporary disability?

I am going on disability for about 4 months. The disability check is not enough to pay for my car ...

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Compare MoreState Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. Progressive State Farm vs. Root State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAASAFECO vs. 21st Century SAFECO vs. Allied SAFECO vs. Allstate SAFECO vs. American Family SAFECO vs. Amica Mutual Insurance SAFECO vs. Auto Club (AAA) SAFECO vs. Erie SAFECO vs. Esurance SAFECO vs. Farmers SAFECO vs. Foremost SAFECO vs. GEICO SAFECO vs. Infinity SAFECO vs. Mercury SAFECO vs. MetLife SAFECO vs. Nationwide SAFECO vs. Progressive SAFECO vs. Safe Auto SAFECO vs. The General SAFECO vs. The Hartford SAFECO vs. Titan SAFECO vs. Travelers SAFECO vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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State Farm vs SAFECO

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