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.
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||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'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.
|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 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.
|Age||State Farm avg. annual premium||SAFECO avg. annual premium|
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 Comparison||State Farm||SAFECO|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||SAFECO|
|JD Power Rankings||3 out of 5||3 out of 5|
|Other Products||State Farm||SAFECO|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|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.||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 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 an option to your policy and includes 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 is a subsidiary of Liberty Mutual and offers claim service 24/7.|
|Recent Questions||Will my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?|
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|Compare More||State 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. USAA||SAFECO 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 Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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