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

Quick Facts

• Based on national averages for insurance, Kentucky Farm Bureau offers slightly cheaper prices than Safe Auto
• Kentucky Farm Bureau offers less expensive average premiums for couples purchasing auto insurance together
• Safe Auto offers more discounts than Kentucky Farm Bureau

Kentucky Farm Bureau vs. Safe Auto: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Kentucky Farm Bureau or Safe Auto as your top options, but between the two, which one has more affordable prices for insurance?

Looking at nationwide averages, Kentucky Farm Bureau is about $22 per month cheaper than Safe Auto.

That being said, Kentucky Farm Bureau may not be the most affordable or best option for every single driver out there. Car insurance companies vary their premiums depending on things like how old you are, how clean your driving record is, where you live, how good your credit score is, and a ton of other factors, so rates will change quite a bit from person to person.

So, if you want to find out which of Kentucky Farm Bureau or Safe Auto is really the best for you, keep reading to see average premiums for each company broken down by several different rate factors.

Kentucky Farm Bureau or Safe Auto: Average Car Insurance Rates by State

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There are plenty of other factors that go into your insurance bill than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any group out there on the road. It's generally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high insurance rates. Just look at the table above -- where 18-year-old drivers who have Safe Auto for their car insurance pay nearly $10 less than those who use Kentucky Farm Bureau.

Even so, both carriers will decrease prices by the time you turn 25. Safe Auto offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Kentucky Farm Bureau still has the lowest premiums at $183 monthly.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Kentucky Farm Bureau gets the edge, with prices for drivers 65 and older $41 more affordable than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, the two carriers are comparable for those who are single, with prices only differing around $22 a month, on average. But for married couples, the advantage is clear - Kentucky Farm Bureau offers the lowest average premiums.

Kentucky Farm Bureau vs. Safe Auto: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll usually end up paying more for auto insurance than women.

On average, women see rates about 7% per month less with Kentucky Farm Bureau, while with Safe Auto, the difference is closer to 7% a month.

When it comes to the cheapest premiums for each gender, Kentucky Farm Bureau comes out as the lowest option for both genders. On average, women save about $21 per month and men save around $23 with Kentucky Farm Bureau compared to the average Safe Auto policyholder.

Kentucky Farm Bureau 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.

It's no secret that insurance can be a complicated subject for most people. There are many different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

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

If you're looking for state minimum liability insurance, Kentucky Farm Bureau typically offers slightly less expensive prices of $120 compared to Safe Auto's $126. When it comes to full coverage policies with similar limits, Kentucky Farm Bureau again has the edge, with policies about $40 a month cheaper than Safe Auto, on average.

Is Kentucky Farm Bureau or Safe Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with tickets and at-fault collisions on your record, but which of these two carriers offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Kentucky Farm Bureau car insurance policies don't report seeing their prices increase after getting a ticket, but Safe Auto policyholders can expect to see their monthly bill increase by around $40.

However, Kentucky Farm Bureau is normally the less expensive option for drivers both with a ticket and with a clean record, offering rates that are $35 and $75 more affordable, respectively, compared to Safe Auto.

Which Company is Best for Drivers After an Accident?

Kentucky Farm Bureau policyholders who get in an accident can expect to see their premiums increase by just under $10, while those who have insurance through Safe Auto will see about a $65 increase.

Overall, the cheaper prices come from Kentucky Farm Bureau, with monthly premiums averaging $154 compared to Safe Auto's $246.

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 auto insurance bill -- typically a lot more than a collision or speeding ticket. Kentucky Farm Bureau drivers usually see a 60% increase in their car insurance prices after a DUI charge, while Safe Auto will usually climb rates by around 27%.

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

Often times, your credit score can come into play when companies calculate your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for a lot of drivers.

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable premiums.

So, which company offers the most affordable prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a considerable impact on your monthly rates. That's because the more miles you drive, the more likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Safe Auto charges. However, there's a small difference in monthly prices for Kentucky Farm Bureau, with drivers who put 6,000 miles on their car yearly paying about $9 less each month compared to those who drive 12,000 miles every year. Still, Kentucky Farm Bureau is the less expensive option for drivers in both categories.

Kentucky Farm Bureau vs. Safe Auto: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a large impact as well. Typically, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the road in those areas, which lowers the chances of an accident.

Kentucky Farm Bureau boasts the most affordable average rates in urban and suburban areas, while Safe Auto wins in rural areas.

In urban areas, Kentucky Farm Bureau's average prices are around 15% less than Safe Auto. Drivers in suburban ZIP codes pay about 16% less with Kentucky Farm Bureau compared to Safe Auto. If you live in a rural area, you can expect to save around 3% with Safe Auto compared to Kentucky Farm Bureau.

Kentucky Farm Bureau 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 utilizing as many auto insurance discounts as you can.

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

Below, we've taken a look at all of the different discounts Kentucky Farm Bureau and Safe Auto offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

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

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, and passive restraint discounts. Safe Auto also offers agency transfer discounts, claim free discounts, homeowner discounts, and more that Kentucky Farm Bureau does not.

On the flip side, Kentucky Farm Bureau has a couple unique discounts of its own -- ABS discounts, discounts for being a good driver, discounts for being a good student, and more.

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

So, you've seen how different factors can affect your car insurance premiums. 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 carrier is the best company for you and your specific needs?

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

• You're single and purchasing auto insurance by yourself.
• You want basic insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your car insurance.

Safe Auto might be best for you if...

• You value the experience that comes with a large national insurance company.
• You care about discounts (Safe Auto offers the most).
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare Kentucky Farm Bureau and Safe Auto and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Kentucky 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 carriers in your area, all in just a few minutes.

Kentucky Farm Bureau vs. Safe Auto FAQs

Is Kentucky Farm Bureau or Safe Auto cheaper?

Looking just at the national average prices, Kentucky Farm Bureau is the more affordable of the two companies, offering average rates of $201 per month compared to $223 for Safe Auto. But Kentucky Farm Bureau won't necessarily be the lowest carrier for each driver, since there are a bunch of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Kentucky Farm Bureau or Safe Auto?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for every driver -- it all boils down to your unique auto insurance profile. For example, Safe Auto offers cheaper premiums for drivers with a recent DUI, while Kentucky Farm Bureau is less expensive for drivers with excellent credit.

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

Car insurance carriers take a look at quite a few different factors when calculating the rates they charge drivers. Variables such as age, gender, your driving record, where you park your car, and sometimes even things like your credit score can all come into play. Both Kentucky Farm Bureau and Safe Auto calculate premiums differently, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from lots of different companies.

How do I know if Kentucky 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 multiple carriers 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 car insurance companies in your area. That way, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be Kentucky Farm Bureau 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.