State Farm vs SAFECO Car Insurance

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

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.

Take a deep dive: Read our full reviews of State Farm and Safeco.


State Farm vs. safeco: premium comparison


State Farm vs. safeco: prices by credit level

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.


RATES BY CREDIT SCORE: safeco VS. State Farm
Credit levelState 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: costs for high-risk drivers

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.


RATES BY VIOLATION: 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 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 BRACKET INSURANCE RATE COMPARISON: safeco VS. State Farm
Age tierState 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 carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

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
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
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.Why customers love us: 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 a proud part of Liberty Mutual Insurance, a Fortune 100 company. Liberty Mutual is rated “A” by A.M. Best Company.
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 QuestionsMy 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.
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
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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State Farm vs SAFECO

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