Farmers Union vs. Safe Auto: Which Company is the Best Fit for You?

Quick Facts

• In general, Farmers Union offers cheaper prices than Safe Auto
• Farmers Union tends to be a much more affordable option for policyholders who live in the suburbs
• Safe Auto may help you save more money -- they offer more discounts than Farmers Union Insurance

Farmers Union or Safe Auto: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Farmers Union or Safe Auto as potential options, but which one will offer you less expensive premiums?

Looking at the national average rates for both carriers, Farmers Union is around $34 a month more affordable than Safe Auto.

That being said, that doesn't mean Farmers Union will necessarily be cheaper than Safe Auto for each driver. Auto insurance companies vary their rates depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and a variety of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

Luckily, we've broken down average prices from both Farmers Union and Safe Auto by a range of different rate factors, so read on to find out which company is the best for you.

Farmers Union vs. Safe Auto: Average Car Insurance Rates by State

Farmers Union and Safe Auto only compete against each other in one states, with Farmers Union offering less expensive rates to the average driver in all of them. Kansas has the most noticable difference, where Farmers Union prices are $23 cheaper than insurance premiums at Safe Auto.

There are plenty of other factors that go into your car insurance cost than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Farmers Union save almost 15% per month compared to those who use Safe Auto.

Even so, both carriers will offer you dramatically lower rates by the time drivers turn 25. Safe Auto offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Farmers Union still has the cheapest prices at $174 a month.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever find.

So, which carrier offers the best premiums to retired drivers? Farmers Union gets the edge, with prices for drivers 65 and older over 15% less expensive than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable car insurance rates than single drivers. That's normally because married drivers tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two companies is significant, with Farmers Union prices coming in at about 15% less than Safe Auto's. The advantage is also clear for married couples - Farmers Union offers the most affordable average rates.

Farmers Union or Safe Auto: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will usually end up paying a little more.

On average, men see premiums around 6% a month higher with Farmers Union, and about 7% more with Safe Auto.

Looking at overall affordability, Farmers Union comes out on top for both men and women. On average, male drivers save about $36 per month and women save around $30 with Farmers Union compared to the average Safe Auto policyholder.

Farmers Union vs. Safe Auto: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different limits and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Farmers Union has the edge, with average monthly prices coming in at $107. If you want a full coverage policy with the same state minimum limits, Farmers Union again has the edge, with policies averaging about $271 a month to Safe Auto's $320.

Is Farmers Union or Safe Auto Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that at-fault collisions and speeding tickets lead to higher rates, but which company -- Farmers Union or Safe Auto -- has the cheapest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Farmers Union for their car insurance can generally expect their monthly bill to go up around 27% after getting a speeding ticket. Safe Auto policyholders can expect a less drastic increase of about 18%.

However, Farmers Union has cheaper prices for drivers in both categories -- their rates are around 23% more affordable for drivers with clean records and 15% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Farmers Union drivers who get in an accident can expect to see their rates increase by just under $70, while those who have insurance through Safe Auto will see around a $65 increase.

At the end of the day, Farmers Union offers the lowest premiums for drivers with an at-fault collision on their records, with average rates coming in at $207 compared to Safe Auto's $246.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. Farmers Union drivers usually see a 39% increase in their insurance premiums after a DUI charge, while Safe Auto will typically climb prices by about 27%.

How does Credit Score Impact Farmers Union and Safe Auto Rates?

Did you know many auto insurance carriers take into account your credit score when determining premiums? Certain states and companies do not allow for credit score to be used as an insurance factor, but it does affect several policyholders out there.

The reasoning car insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will normally be forced to pay more.

So, which carrier offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Farmers Union or Safe Auto Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on how much insurance companies will charge for coverage? Usually, the more milage you drive, the more you can expect to pay for coverage.

In this case, neither Farmers Union or Safe Auto report increasing rates for drivers with higher annual mileage figures. Farmers Union comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average prices of $189 per month for both.

Farmers Union or Safe Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a big impact on your monthly car insurance bill. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more cars on the roads where they live.

Farmers Union tends to offer the most affordable premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 14% with Farmers Union compared to Safe Auto. People who live in suburban areas pay about 14% less with Farmers Union compared to Safe Auto. For drivers in urban ZIP codes, Farmers Union Insurance's average prices are around 17% less than Safe Auto.

Farmers Union vs. Safe Auto Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Farmers Union and Safe Auto so that you can see which company can save you the most money each month.

Looking at the total number of discounts, Safe Auto has advantage when it comes to total number of discounts. Farmers Union offers a grand total of 11 discounts, while Safe Auto has 14.

There are a couple discounts both carriers offer, but Safe Auto also offers discounts for agency transfer, anti-theft, claim free, and more.

On the other hand, Farmers Union has a few proprietary discounts of their own for things like distant student discounts, farm discounts, good driving discounts, and more.

Final Thoughts: Is Farmers Union or Safe Auto Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. But, when it comes down to it, which insurance carrier is the best carrier for you, your vehicle, and your wallet?

Farmers Union might be best for you if....

• Your driving record includes a DUI charge.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing car insurance for a teenager.

Safe Auto might be best for you if...

• You're planning on moving to another state soon -- undefined only offers policies in.
• You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Farmers Union and Safe Auto. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just Farmers Union and Safe Auto. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Farmers Union vs. Safe Auto FAQs

Is Farmers Union or Safe Auto cheaper?

Farmers Union is the cheaper of the two carriers when looking at national average rates, with policies averaging $189 a month with Farmers Union and $223 for Safe Auto. But that doesn't mean Farmers Union will be the lowest company for everyone, since there are several different factors that come into play when it comes to your insurance payment.

Who is better, Farmers Union or Safe Auto?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Safe Auto is less expensive for drivers who have less-than-stellar credit scores, while Farmers Union offers more affordable prices for policyholders with an at-fault collision on their record.

Why do Farmers Union and Safe Auto offer me different rates?

Insurance companies use quite a few different variables when calculating the premiums they charge. Factors like age, your driving record, gender, where your home is, and sometimes even things like your credit score can all be used. Both Farmers Union and Safe Auto calculate prices using different variables, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Farmers Union or Safe Auto is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the most affordable price. And maybe you'll find that the best company for you isn't Farmers Union or Safe Auto at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.