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

Quick Facts

• Based on national averages for car insurance, Safe Auto offers cheaper rates than Foremost
• Foremost offers more affordable prices for drivers with a DUI charge on their record
• Safe Auto offers less expensive average rates for drivers who have an at-fault accident on their record

Foremost vs. Safe Auto: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering considerable discounts. But exactly how much can you save by switching?

You might be considering Foremost or Safe Auto as potential options, but which carrier will offer you more affordable premiums?

Looking at nationwide averages, Safe Auto is about $47 per month less expensive than Foremost.

However, that doesn't mean Safe Auto will necessarily be more affordable than Foremost for every single driver. Auto insurance companies use a ton of complex algorithms to calculate prices, so depending on how old you are or where you live (among a whole range of other factors), you could see wildly different premiums from the ones above.

Wanting to know if Foremost or Safe Auto is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Foremost or Safe Auto: Average Car Insurance Rates by State

Foremost and Safe Auto only compete against each other in one states, with Safe Auto offering cheaper premiums to the average driver in all of them. Texas has the most noticable difference, where Safe Auto rates are more affordable than insurance prices at Foremost.

There's a lot more that goes into your car insurance cost than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. It's normally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Safe Auto save nearly $150 a month compared to those who use Foremost.

Even so, both carriers will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Foremost policyholders reduce more than 60% and Safe Auto's prices drop over 50% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable car insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which generally lowers their chances of accidents and other infractions that can increase rates.

But who has the best premiums for retired drivers between Foremost and Safe Auto? Safe Auto gets the edge here, with average prices coming in at around $179 monthly compared to Foremost's $219.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance rates than married couples. That's because policies for married drivers usually cover multiple cars, which quite a few companies will offer you a discount for.

When it comes to relationship status, Safe Auto is the clear winner for those who are single, with prices about $56 per month less expensive than Foremost, on average. The advantage for married policyholders with Safe Auto is also obvious, where drivers save around $35 a month.

Foremost vs. 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 car insurance men will generally end up paying a little more.

On average, women see premiums about $4 per month cheaper with Foremost, and more than $15 with Safe Auto.

Looking at overall affordability, Safe Auto comes out on top for both men and women. On average, women save about $54 a month and men save around $41 with Safe Auto compared to the average Foremost policyholder.

Foremost or 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, auto insurance can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum liability insurance, Safe Auto normally offers significantly less expensive rates of $126 compared to Foremost's $173. When it comes to full coverage policies with similar limits, Safe Auto again has the edge, with policies about $45 per month more affordable than Foremost, on average.

Is Foremost or Safe Auto Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and collisions will most likely raise your prices, but is Foremost or Safe Auto cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Foremost policyholders can expect their rates to go up an average of $56 a month if they get a ticket, while Safe Auto typically raises premiums around $40 per month, on average.

That being said, Safe Auto tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering rates that are 11% and 15% less expensive, respectively, compared to Foremost Insurance Group.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault collision with Foremost climbing by just under $200. Safe Auto has a less extreme climb, but you can still expect to pay over $65 more than you were prior to your first accident.

Overall, Safe Auto offers the lowest premiums for drivers with an at-fault collision on their records, with monthly rates averaging $246 compared to Foremost Insurance Group's $381.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- generally a lot more than a collision or ticket. On average, Safe Auto will raise your premiums about 27% after a DUI, while Foremost's average prices rise by over 15%.

How does Credit Score Impact Foremost and Safe Auto Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly auto insurance premiums. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it does affect lots of drivers out there.

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

So, which company offers the cheapest rates for drivers 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 Foremost or Safe Auto Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on how much auto insurance carriers will charge for coverage. Usually, the more miles you put on your vehicle, the more you can expect to pay for insurance.

In this case, neither Foremost or Safe Auto report increasing prices for drivers with higher annual mileage figures. That being said, Safe Auto comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average rates of $223 a month for both.

Foremost vs. Safe Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a substantial impact on your monthly auto insurance payment. Typically, those who live in rural areas will pay less than policyholders in urban areas due to the small number of vehicles that are on the roads in those areas.

Safe Auto boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest rates from both companies, but Safe Auto comes out on top with average premiums around $197 a month. Safe Auto also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a 15% and 30% per month respective difference when compared to Foremost drivers in similar areas.

Foremost vs. Safe Auto Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

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

In the section below, we've compared all of the different discounts offered by Foremost and Safe Auto so that you can see which company can save you the most money each month.

Overall, Safe Auto has a slight advantage when it comes to total number of discounts. Foremost offers a grand total of 12 discounts, while Safe Auto has 14.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and paid in full discounts. Safe Auto also offers agency transfer discounts, claim free discounts, driver training discounts, and more that Foremost does not.

On the flip side, Foremost has a couple unique discounts of its own -- advance quote discounts, distant student discounts, EFT discounts, and more.

Final Thoughts: Is Foremost or Safe Auto Best for You?

So, you've seen how different variables can affect your insurance prices. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the right one for you and your specific driver profile?

Safe Auto might be best for you if....

• You want to save money on your car insurance after an accident.
• You're looking for more protection with "full coverage" auto insurance.
• You live in a rural neighborhood.

Foremost might be best for you if...

• You have a DUI charge on your record.

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

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several carriers, not just Foremost and Safe Auto. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Foremost vs. Safe Auto FAQs

Is Foremost or Safe Auto cheaper?

Looking just at the national average rates, Safe Auto is the more affordable of the two carriers, offering average rates of $223 a month compared to $270 for Foremost. Even so, Safe Auto won't necessarily be the most affordable company for everyone, since there are a bunch of different factors that are considered when it comes to your auto insurance bill.

Who is better, Foremost or Safe Auto?

Sadly, the answer truly is "it depends.". No one carrier is necessarily "better" for each driver -- it all depends on the makeup of your unique car insurance profile. For example, Foremost offers cheaper prices for drivers with a recent DUI, while Safe Auto is less expensive for drivers with excellent credit.

Why do Foremost and Safe Auto offer me different rates?

Insurance companies take a look at a lot of different variables when calculating the premiums they charge policyholders. Things such as your driving record, age, where you park your car, gender, and sometimes even things like your credit score can all be used. Both Foremost and Safe Auto calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be Foremost or Safe Auto at all!

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.