Georgia Farm Bureau vs. Safeway: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Georgia Farm Bureau offers significantly less expensive rates than Safeway
• Georgia Farm Bureau offers more affordable premiums for policyholders who may not have much of a commute
• Georgia Farm Bureau has cheaper rates for couples purchasing insurance together

Georgia Farm Bureau vs. Safeway: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to Georgia Farm Bureau or Safeway for your next policy, but which carrier will offer you more affordable premiums?

As you can see, Georgia Farm Bureau has average rates that are about 25% per month cheaper than those from Safeway when looking at the national average rates for auto insurance.

That being said, that doesn't mean Georgia Farm Bureau will necessarily be more affordable than Safeway for every single driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your age, where you call home, or even your credit score (among other things). So, at the end of the day, prices from every company will differ quite a bit from person to person.

Wanting to know if Georgia Farm Bureau or Safeway 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.

Georgia Farm Bureau or Safeway: Average Car Insurance Rates by State

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That being said, there are plenty of other factors that go into your auto insurance payment than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. That's typically because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing Georgia Farm Bureau over Safeway.

But both carriers will drop rates by the time drivers turn 25. For example, average prices for Georgia Farm Bureau policyholders decrease almost 50% and Safeway's premiums lower more than 60% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest auto insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

But who has the best prices for retired drivers between Georgia Farm Bureau and Safeway? Georgia Farm Bureau gets the edge, with rates for drivers 65 and older nearly 15% less expensive than the national average for Safeway.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more expensive for single drivers than they are for married policyholders. This usually boils down to married drivers having more than one car on their policy -- something many insurance companies will reward with discounts.

When it comes to relationship status, Georgia Farm Bureau is the clear winner for those who are single, with rates around $71 per month cheaper than Safeway, on average. The advantage for married couples with Georgia Farm Bureau is also obvious, where drivers save over $20 a month.

Georgia Farm Bureau vs. Safeway: Average Rates by Gender

Women tend to pay less for car insurance than men. This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher premiums.

With Georgia Farm Bureau, men generally pay about 1% more per month than women., and around 9% more with Safeway.

When it comes to the most affordable prices for each gender, Georgia Farm Bureau offers the lowest average premiums for both men and women. On average, male drivers save about $58 a month and women save about $42 with Georgia Farm Bureau compared to the average Safeway policyholder.

Georgia Farm Bureau or Safeway: 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.

Auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability).

If you're looking for state minimum liability limits, Georgia Farm Bureau normally offers significantly less expensive rates of $91 compared to Safeway's $130. When it comes to full coverage policies with similar limits, Georgia Farm Bureau again has the edge, with policies around $60 per month more affordable than Safeway, on average.

Is Georgia Farm Bureau or Safeway Better for Drivers with Spotty Records?

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

At-fault accidents and tickets will most likely raise your premiums, but is Georgia Farm Bureau or Safeway less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Georgia Farm Bureau car insurance policies don't report seeing their rates increase after getting a ticket, but Safeway policyholders can expect to see their monthly bill increase by about $7.

However, Georgia Farm Bureau has more affordable prices for drivers in both categories, offering rates that are 30% and 33% cheaper, respectively, compared to Safeway Insurance.

Which Company is Best for Drivers After an Accident?

Georgia Farm Bureau policyholders who get in an accident can expect to see their premiums rise by just under $20, while those who have insurance through Safeway will see around a $60 increase.

Overall, drivers who use Georgia Farm Bureau end up with the cheaper prices after an accident, with monthly prices averaging $133 compared to Safeway Insurance's $223.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, Georgia Farm Bureau will climb your premiums about 47% after a DUI, while Safeway's average prices climb by over 25%.

If you have a DUI on your record and are looking for more affordable rates, Georgia Farm Bureau tends to be the much less expensive option with average prices of $216 per month compared to $220 from Safeway.

How does Credit Score Impact Georgia Farm Bureau and Safeway Rates?

Often times, your credit score can be used as one of the factors to calculate your monthly auto insurance rates. This isn't always the case (for example, Michigan and California are two states that ban the practice entirely), but it will come into play for quite a few drivers.

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

So, which company offers the most affordable 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 Georgia Farm Bureau or Safeway 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 sizable impact on your monthly insurance bill? That's because the more miles you put on your car each year, the more likely you are to get into an accident and cause an insurance claim.

In this case, neither Georgia Farm Bureau or Safeway report increasing premiums for drivers with higher annual mileage figures. That being said, Georgia Farm Bureau comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average prices of $144 a month for both.

Georgia Farm Bureau vs. Safeway: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a considerable role in how much you pay for car insurance. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Georgia Farm Bureau tends to offer the cheapest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Georgia Farm Bureau offers prices around $150 monthly compared to Safeway's $234. People who live in suburban ZIP codes can expect to pay about $146 per month for Georgia Farm Bureau and $201 for Safeway. Lastly, those in rural areas tend to get the lowest premiums from both companies, with average monthly rates coming in at $136 and $146 for Georgia Farm Bureau and Safeway respectively.

Georgia Farm Bureau vs. Safeway 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 auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Below, we've broken down all of the different discounts offered by both Georgia Farm Bureau and Safeway so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

They both offer great discounts like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and paid in full discounts.

Final Thoughts: Is Georgia Farm Bureau or Safeway Best for You?

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, is Georgia Farm Bureau or Safeway the best one for you and your specific profile and needs?

Georgia Farm Bureau might be best for you if....

• You've been pulled over for speeding recently.
• Your credit score is high.
• You live in a rural neighborhood.

Safeway might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Georgia Farm Bureau and Safeway. We also hope we've given you the information you need to make the best decision when it comes to your car 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 insurance -- comparing quotes from several carriers, not just Georgia Farm Bureau and Safeway. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Georgia Farm Bureau vs. Safeway FAQs

Is Georgia Farm Bureau or Safeway cheaper?

Looking just at the national average premiums, Georgia Farm Bureau is the more affordable of the two carriers, offering average rates of $144 a month compared to $194 for Safeway. Even so, Georgia Farm Bureau won't necessarily be the cheapest company for everyone, since there are a range of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Georgia Farm Bureau or Safeway?

Unfortunately, the answer truly is "it depends.". Neither carrier is "better" for everyone -- it all boils down to your unique auto insurance profile. For example, Georgia Farm Bureau offers cheaper rates for drivers with an at-fault accident on their record, while Safeway is more affordable for drivers who have less-than-stellar credit scores.

Why do Georgia Farm Bureau and Safeway offer me different rates?

Car insurance companies take a look at several different variables when calculating the premiums they charge policyholders. Things such as age, gender, where you park your car, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Georgia Farm Bureau and Safeway calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Georgia Farm Bureau or Safeway is right for me?

The only way to find the auto 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, sites like Compare.com make it easy for you to do just that. Just enter your area information 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 most affordable premium. And who knows, the best company for you might not be Georgia Farm Bureau or Safeway 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.