Farmers vs. SafeAuto Insurance

Which insurance provider is right for you? Compare plans, cost, and quotes from Farmers and SafeAuto.

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Farmers vs. SafeAuto: What You Need to Know

Farmers Insurance began selling insurance a year before the Great Depression and survived to become a household name. Founders John C. Tyler and Thomas E. Leavey started off by going farm to farm to gain their first policies. They specifically lowered rates for farmers and ranchers because they understood that these occupations posed fewer risks with their vehicles. By 1928, they were able to open an office in downtown Los Angeles. During the Great Depression, Farmers was one of the few companies that were able to pay claims. When a devastating earthquake hit Los Angeles, Farmers paid out claims for damaged cars and became the first insurance company to offer comprehensive insurance.

SafeAuto is an independently owned property and casualty car insurance carrier based in Columbus, Ohio. Since 1993, SafeAuto has been specializing in providing affordable, state-minimum auto insurance and full comprehensive and collision policies. SafeAuto provides a Certificate of Financial Responsibility (CFR) in the form of an SR22, SR22A or FR44 for customers who need to provide a CFR to a court or state government agency. The company also offers motorcycle, renters, homeowners, business, health, supplemental, dental, accident, life, mechanical repair insurance and more(see full list below). SafeAuto is a leader in direct-to-consumer,minimum-limit coverage across 17 states: Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. The company has service call centers that are open at all hours, every day, including holidays. Customers can also access their insurance information easily using the SafeAuto Insurance Mobile App.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Farmers Overview and Safe Auto Overview.

Farmers vs. Safe Auto: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Farmers and Safe Auto. On average, Farmers charges approximately $264.40 per month while Safe Auto comes in at around $260.29 per month. For Farmers, the cheapest state average is North Dakota at $112.50 per month and the most expensive is Michigan at $712.11 per month. For Safe Auto, the cheapest state average is Tennessee at $146.45 per month and the most expensive is Louisiana at $390.09 per month.

Farmers

Average Rate

$264.40
Safe Auto

Average Rate

$260.29
National

Average Rate

$117.77
State Farmers Safe Auto
Alabama $195.20 -
Arizona $260.68 $226.73
Arkansas $192.40 -
California $258.23 -
Colorado $289.21 -
Idaho $123.45 -
Illinois $199.08 $203.42
Indiana $136.14 $199.49
Iowa $141.59 -
Kansas $197.95 $234.21
Kentucky- $241.81
Louisiana- $390.09
Michigan $712.11 -
Minnesota $168.82 -
Mississippi- $259.67
Missouri $203.54 $227.75
Montana $192.46 -
Nebraska $197.97 -
Nevada $313.07 -
New Mexico $217.58 -
North Dakota $112.50 -
Ohio $146.86 -
Oklahoma $165.64 $240.63
Oregon $173.29 -
Pennsylvania- $265.27
South Carolina- $283.29
South Dakota $119.82 -
Tennessee $157.88 $146.45
Texas- $313.06
Utah $220.13 -
Virginia- $172.85
Washington $153.41 -
Wisconsin $165.74 -
Wyoming $203.01 -

Farmers vs. Safe Auto: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Farmers and Safe Auto typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Farmers Safe Auto
1 Vehicle $244.72 $233.16
2 Vehicles $325.39 $348.85
3 Vehicles $565.26 $629.92

Farmers vs. Safe Auto: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Farmers charges $258.87 per month and Safe Auto charges $258.91 per month for customers who own their home.

Own/Rent Farmers Safe Auto
Own $258.87 $258.91
Rent $267.76 $261.15

What is Farmers and SafeAuto Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Farmers and SafeAuto ranked among the industry ratings.

ComparisonFarmersSafeAuto
Year Founded19281993
Market Share3%1.8%
A.M. Best RatingA-A-
BBB RatingA+A+
Financial StrengthExcellent
JD Power RankingAbout Average
Moody’s RatingA2
NAIC Complaint Index0.81.74
S&P RatingA

Farmers or SafeAuto: Insurance Products Offered

What coverage is available through Farmers and SafeAuto? Both insurance companies offer Auto, Commercial, Home, Life, and Motorcycle insurance. Additional products from SafeAuto insurance also includes Health, Renters, and SR22/FR44 insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Farmers and Safe Auto Insurance page.

InsuranceFarmersSafeAuto
Auto Insurance
Commercial Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
SR22/FR44
Umbrella Insurance

Farmers or SafeAuto: Ways To Save

SafeAuto offers a wide range of discounts to its policyholders, including Good Student, Homeowner, and Multi-vehicle discounts. Whereas, Farmers also offers a few discounts that SafeAuto doesn’t, including Transfer, Teen Driver, and Pay-in-Full discounts. Start taking advantage of discounts offered by insurance providers like SafeAuto and Farmers insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

FarmersSafeAuto
Alternative Fuel DiscountDriver Improvement Course Discounts
Distant StudentGood Student Discount
Electronic Funds Transfer (EFT) DiscountHomeowner Discount
Good StudentMulti-vehicle Discount
Homeowner DiscountNew Business Transfer
Multi-Car Discount
Multi-policy Discount
Occupational Discount
Pay-in-Full Discount
Teen Driver Discount
Transfer Discount

Pros & Cons of Farmers & SafeAuto

Pros

Farmers
  • Financial strength
  • Great employee education and customer service.
SafeAuto
  • Affordable state-minimum car insurance.
  • R22, SR22A or FR44 as Certificate of Financial Responsibility available.

Cons

Farmers
  • Steep early-cancellation fees.
SafeAuto
  • On average, premiums through SafeAuto cost more than some competitors.

Farmers or SafeAuto Mobile Apps Options

The Farmers app is available for iOS and Android. The Farmers Mobile App allows you access to self-service features.

The SafeAuto app is available for iOS and Android. This insurance concierge allows you to see your insurance information and pay premiums.

Farmers Mobile App
iOS     4.83K user reviews
Android     43K user reviews
SafeAuto Mobile App
iOS     4.826.6K user reviews
Android     1.845 user reviews

Farmers & SafeAuto Contact Info

Farmers Contact Info
Address6301 Owensmouth Avenue, Woodland Hills, CA 91367
Phone1 (800) 974-6755
Websitehttps://www.Farmers.com
Facebookhttps://www.facebook.com/FarmersInsurance/
Twitterhttps://twitter.com/WeAreFarmers
Youtubehttps://www.youtube.com/farmersinsurance
Linkedinhttps://www.linkedin.com/company/farmers-insurance/
SafeAuto Contact Info
Address4 Easton Oval, Columbus, Ohio 43219
Phone1 (614) 456-2940
Websitewww.safeauto.com
Facebookhttps://www.facebook.com/SafeAuto/
Twitterhttps://twitter.com/safeauto
Youtubehttps://www.youtube.com/channel/SafeAuto
Linkedinhttps://www.linkedin.com/company/safeauto-insurance-company/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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