Indiana Farm Bureau vs. Safe Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Indiana Farm Bureau offers cheaper rates than Safe Auto
• Indiana Farm Bureau offers less expensive average prices for policyholders whose driving record contains an at-fault collision
• Indiana Farm Bureau tends to be a much more affordable option for single people who will be the only person on the auto insurance policy

Indiana Farm Bureau or Safe Auto: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Indiana Farm Bureau or Safe Auto as your top options, but which carrier will save you the most?

As you can see, Indiana Farm Bureau is around $43 a month less expensive than Safe Auto when looking at the national average rates for car insurance.

That being said, Indiana Farm Bureau may not be the most affordable or best option for each driver out there. Insurance carriers vary their rates depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and a variety of other factors. So, at the end of the day, prices from every company will differ quite a bit from person to person.

Luckily, we've broken down average premiums from both Indiana Farm Bureau and Safe Auto by a bunch of different rate factors, so read on to find out which carrier is the best for you.

Indiana Farm Bureau vs. Safe Auto: Average Car Insurance Rates by State

Indiana Farm Bureau and Safe Auto only compete against each other in Indiana, where Safe Auto offers the cheaper average prices. Safe Auto drivers tend to pay about $40 per month less on average compared to drivers who use Indiana Farm Bureau for their auto insurance.

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how insurance companies determine your rates. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers. It's because teen 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 insurance rates. For example, 18-year-old drivers pay an average of 0% less a month by choosing Safe Auto over Indiana Farm Bureau.

However, both carriers will lower prices 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, Indiana Farm Bureau still has the lowest premiums at $146 monthly.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest car insurance prices you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise premiums.

But who has the best rates for retired drivers between Indiana Farm Bureau and Safe Auto? Indiana Farm Bureau gets the edge here, with average prices coming in at about $124 per month compared to Safe Auto's $179.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more expensive for those who are single than they are for married couples. That's because policies for married drivers generally cover several vehicles, which several companies will give you a discount for.

For single drivers, the difference in average rates between these two carriers is significant, with Indiana Farm Bureau prices coming in at around 15% less than Safe Auto's. For married policyholders, the advantage is clear again - Indiana Farm Bureau has the edge when it comes to average premiums.

Indiana Farm Bureau or Safe Auto: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they run a lower risk of filing a claim with insurance. So, women tend to get cheaper rates than men.

With Indiana Farm Bureau, women usually pay almost 15% per month less than men, and about 7% less with Safe Auto.

Looking at overall affordability, Indiana Farm Bureau offers the lowest average rates for both men and women. On average, male drivers save about $38 a month and women save around $47 with Indiana Farm Bureau compared to the average Safe Auto policyholder.

Indiana Farm Bureau 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.

It's no secret that car insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Indiana Farm Bureau has the edge, with average monthly premiums coming in at $97. If you want a full coverage policy with the same state minimum limits, Indiana Farm Bureau again has the edge, with policies averaging about $263 per month to Safe Auto's $320.

Is Indiana Farm Bureau 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 insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and at-fault accidents on your record, but which of these two companies offers the cheapest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Indiana Farm Bureau for their car insurance can usually expect their monthly bill to go up around 31% after getting a speeding ticket. Safe Auto policyholders can expect a less drastic increase of about 18%.

Even so, Indiana Farm Bureau has cheaper prices for drivers in both categories, offering premiums that are 32% and 19% more affordable, respectively, compared to Safe Auto.

Which Company is Best for Drivers After an Accident?

Indiana Farm Bureau drivers who get in an accident can expect to see their rates rise by over $70, while those who have insurance through Safe Auto will see around a $65 increase.

At the end of the day, drivers who use Indiana Farm Bureau end up with the cheaper prices after an accident, with average prices coming in at $195 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 insurance bill. For example, Indiana Farm Bureau increases average premiums by more than $100 a month -- that's more than a 45% increase.

How does Credit Score Impact Indiana Farm Bureau and Safe Auto Rates?

Did you know many auto insurance carriers take your credit score into account when determining prices? Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it will come into play for lots of policyholders.

The reasoning 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.

Looking at Indiana Farm Bureau and Safe Auto specifically, which company has the most affordable premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Indiana Farm Bureau or Safe Auto Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance payment. That's because the more milage you put on your car each year, the more likely you are to be in a collision and file an insurance claim.

In this case, neither Indiana Farm Bureau or Safe Auto report increasing rates for drivers with higher annual mileage figures. That being said, Indiana Farm Bureau comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average prices of $180 per month for both.

Indiana Farm Bureau or Safe Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a pretty big role in how much you pay for auto insurance. Typically, those who live in urban areas will pay more than drivers in rural areas due to the number of cars that are on the roads where they live.

Indiana Farm Bureau boasts the most affordable average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Indiana Farm Bureau's average premiums are about $187 a month compared to Safe Auto's $271. Drivers in suburban ZIP codes pay a monthly premium of around $197 with Indiana Farm Bureau compared to $200 with Safe Auto. Those in rural areas can expect to pay about $156 a month with Indiana Farm Bureau compared to Safe Auto's $197.

Indiana Farm Bureau vs. Safe Auto Discounts

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

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Indiana Farm Bureau and Safe Auto so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Indiana Farm Bureau has a slight advantage when it comes to total number of discounts. Safe Auto offers a grand total of 14 discounts, while Indiana Farm Bureau has 15.

A couple of those are overlapping for things like discounts for insuring multiple cars with the same company, paid in full discounts, and passive restraint discounts. Indiana Farm Bureau also offers discounts for ABS, agri-business, education, and more.

On the other hand, Safe Auto has a few proprietary discounts of their own for things like agency transfer discounts, anti-theft discounts, claim free discounts, and more.

Final Thoughts: Is Indiana Farm Bureau or Safe Auto Best for You?

You've seen the effect certain factors have on your insurance and the different discounts companies offer. But, when it comes down to it, which insurance company is the right one for you, your vehicle, and your wallet?

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

• You will be the only person on the auto insurance policy.
• You're looking for the best prices on liability only coverage.
• Your neighborhood is in a rural area.

Safe Auto might be best for you if...

• You already have plans to move to another state -- undefined is only available in.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide has ben a valuable resource as you compare Indiana Farm Bureau and Safe Auto. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

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

Indiana Farm Bureau vs. Safe Auto FAQs

Is Indiana Farm Bureau or Safe Auto cheaper?

Indiana Farm Bureau is the cheaper of the two carriers when looking at national average rates, with policies averaging $180 per month with Indiana Farm Bureau and $223 for Safe Auto. But that doesn't mean Indiana Farm Bureau will be the lowest carrier for every policyholder, since there are a variety of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Indiana Farm Bureau or Safe Auto?

Sadly, the real answer is "it depends.". One company is not "better" for everyone -- it all boils down to your unique auto insurance profile. For example, Safe Auto is less expensive for drivers who have less-than-stellar credit scores, while Indiana Farm Bureau offers more affordable premiums for policyholders with an at-fault collision on their record.

Why do Indiana Farm Bureau and Safe Auto offer me different rates?

Car insurance companies use many different factors when calculating the rates they charge. Variables like your driving record, where your home is, age, gender, and sometimes even things like your credit score can all be used. Both Indiana Farm Bureau and Safe Auto calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a range of different carriers.

How do I know if Indiana Farm Bureau or Safe Auto is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Indiana Farm Bureau 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.