Farmers vs. SafeAuto Car Insurance [2021]

How do Farmers vs. Safe Auto car insurance compare? Farmers Insurance provides average car insurance quotes for their car insurance rates, but SafeAuto does not. However, Safe Auto is a much smaller company that also has a good Better Business Bureau rating. Farmers Insurance offers more car insurance discounts than Safe Auto does. It's always best to shop around and compare car insurance rates from different car insurance companies.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 27, 2021

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Safe Auto vs. Farmers Car Insurance Comparison Summary
DetailsFarmersSafe Auto
Year Founded19281990
Headquarters3120 139th Ave., Suite 300
Bellevue, WA 98005-4491
4 Easton Oval,
Columbus, Ohio 43219
Available in50 states50 states
Direct Premiums Written$6,357,987,000$282,289,000
Market Share4.58%0.19 %
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Each car insurance company is unique. They all have different rates, discounts, and customer service. We’re going to take a quick look at two companies and see how Farmers vs. Safe Auto car insurance compares.

Make sure you shop around for the best auto insurance companies. For affordable car insurance, enter your ZIP code to get FREE car insurance quotes from multiple insurers.

Farmers vs. Safe Auto: Comparing Car Insurance Rates

Let’s take a look at car insurance rates for Farmers car insurance vs. insurance rates for Safe Auto car insurance. We only have car insurance rates for Farmers, so that’s kudos to them for transparency.

Farmers vs. Safe Auto: Which is cheapest by state?

You can see Farmers car insurance rates by state in the table below.

Farmers Average Annual Car Insurance Rates by State
StatesFarmers Average Annual Rates
Iowa$2,435.72
Maine$2,770.15
Washington$2,962.00
Wyoming$3,069.35
North Dakota$3,092.49
Minnesota$3,137.45
Idaho$3,168.28
Ohio$3,423.01
Tennessee$3,430.07
Indiana$3,437.55
Kansas$3,703.77
Oregon$3,753.52
South Dakota$3,768.80
Wisconsin$3,777.49
Montana$3,907.55
Utah$3,907.99
Nebraska$3,997.29
Oklahoma$4,142.40
Alabama$4,185.80
Arkansas$4,257.87
Missouri$4,312.19
New Mexico$4,315.53
Illinois$4,605.20
South Carolina$4,691.85
Hawaii$4,763.82
California$4,998.78
Arizona$5,000.08
Colorado$5,290.24
Nevada$5,595.56
New Jersey$7,617.00
Michigan$8,503.60
AlaskaData Not Available
ConnecticutData Not Available
District of ColumbiaData Not Available
DelawareData Not Available
FloridaData Not Available
GeorgiaData Not Available
KentuckyData Not Available
LouisianaData Not Available
MarylandData Not Available
MassachusettsData Not Available
MississippiData Not Available
North CarolinaData Not Available
New HampshireData Not Available
New YorkData Not Available
PennsylvaniaData Not Available
Rhode IslandData Not Available
TexasData Not Available
VirginiaData Not Available
VermontData Not Available
West VirginiaData Not Available
Average U.S. Rates$3,907.99
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Not every state’s average is provided by Farmers, but there are none available from Safe Auto.

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Farmers vs. Safe Auto: Which is cheapest by driving record?

Here, we only have rates from Farmers to compare by driving record. You can see how your rates will rise substantially with just one speeding ticket, car accident, or DUI.

Farmers vs. Safe Auto: Rates with One Speeding Ticket

Check out the rate increase for Farmers insurance for one speeding ticket.

Farmers Average Annual Car Insurance Rates with One Speeding Ticket
Driving RecordFarmers Average Annual Rates
Clean record$3,460.60
With one speeding violation$4,079.01
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One speeding ticket raises your rates with Farmers by around 18 percent.

Farmers vs. Safe Auto: Rates with One Car Accident

Check out the rate increase for Farmers insurance for one car accident.

Farmers Average Annual Car Insurance Rates With One At-Fault Accident
Driving RecordFarmers Average Annual Rates
Clean record$3,460.60
With one accident$4,518.73
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Your rates can go up by about 31 percent with just one at-fault accident with Farmers.

Farmers vs. Safe Auto: Rates with One DUI

Check out the rate increase for Farmers insurance for one DUI.

Farmers Average Annual Car Insurance Rates Increase With One DUI
Driving RecordFarmers Average Annual Rates
Clean record$3,460.60
With one DUI$4,718.75
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Just one DUI with Farmers can raise your rates around 36 percent.

Farmers vs. Safe Auto: Which is cheapest by age and gender?

Farmers has provided its car insurance rates by age and gender, as you can see in the table below.

Farmers Average Annual Car Insurance Rates by Age and Gender
DemographicFarmers Average Annual Rates
Married 60-year-old female$2,336.80
Married 60-year-old male$2,448.39
Married 35-year-old female$2,556.98
Married 35-year-old male$2,557.75
Single 25-year old-female$2,946.80
Single 25-year old-male$3,041.44
Single 17-year old-female$8,521.97
Single 17-year old-male$9,144.04
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As with most insurers, younger drivers will pay more for their car insurance.

It’s important to note that it’s illegal in some states for companies to factor your gender into your car insurance rates.

These states include:

  • California
  • Hawaii
  • Massachussetts
  • Montana
  • North Carolina
  • Pennsylvania

But for other states, it’s still legal for a company to charge more because of your gender.

Farmers vs. Safe Auto: Which is cheapest by credit score?

What about credit score?

Farmers Average Annual Car Insurance Rates By Credit History
Credit HistoryFarmers Average Annual Rates
Good credit$3,677.12
Fair credit$3,899.41
Poor credit$4,864.14
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Your rates with Farmers are around 32 percent higher if you have poor credit compared to good credit.

Farmers vs. Safe Auto: Which is cheapest by annual mileage?

Your commute length affects how much you’ll pay for your car insurance.

Farmers Average Annual Car Insurance Rates by Commute Length

Commute Length and Annual MileageFarmers Average Annual Rates
10 miles commute
6,000 annual mileage
$4,179.32
25 miles commute
12,000 annual mileage
$4,209.22
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A longer commute can cost you less than one percent more. It’s not the biggest factor, but it can cost you more.

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Farmers vs. Safe Auto: Which is cheapest by car make and model?

The make and model affects your car insurance rates as well. It costs more to fix newer and more expensive vehicles, so your insurer will take that into account.

Farmers Average Annual Car Insurance Rates by Vehicle Make and Model
Vehicle Make and ModelFarmers Average Annual Rates
2015 Toyota RAV4: XLE$3,728.22
2018 Toyota RAV4: XLE$3,769.00
2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$4,093.50
2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$4,390.19
2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$4,405.21
2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$4,779.51
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Once again, we only have Farmers insurance rates for this, but you can see the difference for vehicles in the table above.

Farmers vs. Safe Auto: Which is cheapest by coverage level?

How much does car insurance cost by coverage level?

Farmers Average Annual Car Insurance Rates by Coverage Level
Coverage TypeFarmers Average Annual Rates
Low coverage$3,922.47
Medium coverage$4,166.22
High coverage$4,494.13
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Perhaps it goes without saying, but if you want a higher level of coverage, you’ll have to pay a little more. Farmers’ rates for different coverage levels are fairly reasonable across the board.

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Farmers vs. Safe Auto: Ratings and Customer Satisfaction

These ratings are pretty important, with financial ratings and customer satisfaction objectively showing which company is stronger.

Farmers vs. Safe Auto: What are their financial ratings?

Safe Auto is a smaller car insurance company, so it has not been rated by agencies like A.M. Best and Moody’s yet.

Farmers vs. Safe Auto Car Insurance Financial Ratings
Ratings CompaniesFarmers RatingsSafe Auto Ratings
AM BestANR
S&PANR
Moody'sA2NR
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Farmers has good ratings all around.

Farmers vs. Safe Auto: How do customers rate them?

How about customer satisfaction ratings?

Farmers vs Safe Auto Car Insurance Customer Satisfaction Ratings
Customer Satisfaction RatingsFarmers RatingsSafe Auto Ratings
JD PowerAbout AverageNR
NAIC Complaint Index (1 being the market average)0.793.36
Better Business BureauA+A+
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Safe Auto does have a higher complaint ratio, but both companies have excellent ratings from the Better Business Bureau.

Farmers vs. Safe Auto: What is their market share?

Farmers Insurance has an overall market share of 4.58 percent.

Safe Auto’s market share is much lower at 0.19 percent.

Farmers vs. Safe Auto: Car Insurance Coverage and Options

So, what services do these companies offer?

Farmers vs. Safe Auto: What are their coverage options?

Farmers offers many insurance options, including traditional auto, home, life, business, renters, condo insurance, and more.

Safe Auto lists a lot of options such as SR-22s, liability insurance, PIP, uninsured motorist coverage, full coverage, roadside assistance, and more.

Usage-Based Insurance Programs

Farmers offers the Signal® app, which can save you as much as 15 percent on your car insurance premium.

Safe Auto doesn’t provide any information about a telematics program on its website.

Farmers vs. Safe Auto: What discounts do they offer?

Everybody wants to save money, but not every insurance company offers the same car insurance discounts. Take a look at the table below to see how Safe Auto and Farmers compare.

Farmers Vs Safe Auto Car Insurance Discounts
Discounts OfferedFarmers DiscountsSafe Auto Discounts
Adaptive Headlightsx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Controlx
Utility Vehiclex
Vehicle Recoveryxx
VIN Etchingxx
Newer Vehiclexx
Green Vehiclex
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentx
Driver's Edxx
Early Signingx
Family Planx
Farm Vehiclex
Federal Employeex
Full Paymentxx
Garaging/Storingx
Good Studentxx
Homeownerxx
Low Mileagex
Marriedx
Militaryxx
Multiple Policiesx
Multiple Vehiclesxx
New Customer/New Planx
Occupationx
On Time Paymentsx
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintxx
Safe Driverxx
Senior Driverx
Switching Providerxx
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This video from Shine goes over some commonly available car insurance discounts. Do you qualify for any of these?

Farmers offers 34 car insurance discounts, whereas Safe Auto offers 22 discounts.

Farmers vs. Safe Auto: Which company is the best?

Overall, Farmers is more transparent. It’s hard to make a comparison when one company doesn’t provide rates and hasn’t been evaluated by any of the rating agencies. However, a lot of that is because Safe Auto is a much smaller company.

If you’re looking for a small company, they might be a good option for you. After all, they do still have an A+ rating at the Better Business Bureau.

But Farmers has good ratings all around.

You should shop around with different car insuarnce companies to make sure you choose the right one. We can help. Ready to buy car insurance? Now that you know how Farmers vs. Safe Auto compares, enter your ZIP code to get FREE car insurance rats from multiple car insurance companies.

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