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

Quick Facts

• Based on national averages for insurance, Louisiana Farm Bureau offers cheaper premiums than Safe Auto
• Louisiana Farm Bureau offers more affordable average rates for drivers with a DUI charge on their record
• Safe Auto offers more discounts than Louisiana Farm Bureau Insurance

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Louisiana Farm Bureau or Safe Auto, but between the two, which company has less expensive prices for auto insurance?

Looking at the national average rates for both companies, Louisiana Farm Bureau has average rates that are about 19% per month cheaper than those from Safe Auto.

That being said, Louisiana Farm Bureau may not be the lowest or best option for each driver out there. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, your age, your credit score, or even where you call home (among other things), so rates will differ quite a bit from person to person.

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

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

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There's a lot more that goes into your car insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

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

However, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Louisiana Farm Bureau over Safe Auto.

Even so, both companies will decrease prices by the time drivers turn 25. For example, average rates for Louisiana Farm Bureau policyholders lower over $150 and Safe Auto's premiums drop nearly $250 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable auto insurance rates out there. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase premiums.

So, which carrier offers the best prices to retired drivers? Louisiana Farm Bureau gets the edge, with premiums for drivers 65 and older $26 more affordable than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive insurance prices than single policyholders. This usually boils down to married couples having more than one car on their policy -- something many car insurance carriers will reward with discounts.

When it comes to relationship status, Louisiana Farm Bureau is the clear winner for single drivers, with rates around $51 per month cheaper than Safe Auto, on average. For married drivers, the advantage is clear again - Louisiana Farm Bureau has the edge when it comes to average prices.

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

Did you know women normally pay less for auto insurance than men? This is because women are less likely to get tickets and get into accidents, which lowers the chances of an insurance claim.

Women typically pay about 2% a month less than men with Louisiana Farm Bureau, and around 7% less with Safe Auto when compared to their male counterparts.

When it comes to the lowest rates for each gender, Louisiana Farm Bureau offers the most affordable average premiums for both men and women, with average rates 21% less for men and 16% cheaper for women.

Louisiana 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.

For most people, insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

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

If you're looking for state minimum limits for liability insurance, Louisiana Farm Bureau generally offers more affordable prices of $110 compared to Safe Auto's $126. When it comes to full coverage policies with similar limits, Louisiana Farm Bureau again has the edge, with policies about $70 per month cheaper than Safe Auto, on average.

Is Louisiana Farm Bureau 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Louisiana Farm Bureau policyholders can expect their prices to go up an average of $22 a month if they get a ticket, while Safe Auto normally raises premiums around $40 per month, on average.

However, Louisiana Farm Bureau is usually the more affordable option for both drivers who have a recent speeding ticket and those with clean records, offering rates that are 16% and 21% less expensive, respectively, compared to Safe Auto.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault accident with Safe Auto increasing by over $65. Louisiana Farm Bureau has a less extreme climb, but you can still expect to pay just under $45 more than you were prior to your first collision.

Overall, Louisiana Farm Bureau offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly rates averaging $194 compared to Safe Auto's $246.

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, Safe Auto will increase your premiums about 27% after a DUI, while Louisiana Farm Bureau's average rates increase by over 25%.

How does Credit Score Impact Louisiana 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 (California, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of drivers.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Safe Auto and Louisiana Farm Bureau, which carrier has the cheapest prices 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 Louisiana 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 how much car insurance companies will charge for coverage. That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

In this case, neither Louisiana Farm Bureau or Safe Auto report increasing rates for drivers with higher annual mileage figures. That being said, Louisiana Farm Bureau comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average prices of $181 a month for both.

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

Where you park your vehicle can have a pretty big impact on your monthly auto insurance payment. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Louisiana Farm Bureau tends to offer the most affordable prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Louisiana Farm Bureau offers premiums around $191 per month compared to Safe Auto's $271. People who live in suburban ZIP codes can expect to pay about $182 per month for Louisiana Farm Bureau and $200 for Safe Auto. Lastly, those in rural areas tend to get the lowest rates from both carriers, with average monthly prices coming in at $170 and $197 for Louisiana Farm Bureau and Safe Auto respectively.

Louisiana Farm Bureau vs. Safe Auto Discounts

Regardless of why you might be in the market for a new auto 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 insurance discounts as you can.

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

Below, we've compared all of the different discounts offered by Louisiana 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.

Safe Auto blows Louisiana Farm Bureau away when it comes to the sheer amount of discounts available, offering nine more discounts than Louisiana Farm Bureau.

A couple of those are overlapping for things like discounts for being a defensive driver, military discounts, and vin etching discounts. Safe Auto also offers agency transfer discounts, anti-theft discounts, claim free discounts, and more that Louisiana Farm Bureau does not.

On the flip side, Louisiana Farm Bureau has a unique discount of its own -- a good student discounts.

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

You've seen the effect certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which insurance company is the best company for you, your vehicle, and your wallet?

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

• You have an at-fault collision on your record.
• Your credit score is high.
• You drive fewer than 6,000 miles annually.

Safe Auto might be best for you if...

• You're planning on moving to another state soon -- undefined only offers policies to residents.
• You care about discounts (Safe Auto offers the most).

We hope this guide helps you get a better idea of the difference between Louisiana Farm Bureau and Safe Auto. We also hope we've given you the information you need to make the best decision about your 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 Louisiana 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 free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Louisiana Farm Bureau vs. Safe Auto FAQs

Is Louisiana Farm Bureau or Safe Auto cheaper?

Looking just at the national average rates, Louisiana Farm Bureau is the more affordable of the two carriers, offering average rates of $181 a month compared to $223 for Safe Auto. That being said, Louisiana Farm Bureau won't necessarily be the most affordable carrier for everyone, since there are a range of different variables that come into play when it comes to your car insurance bill.

Who is better, Louisiana Farm Bureau or Safe Auto?

Sadly, the answer truly is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Louisiana Farm Bureau offers less expensive premiums for policyholders with an at-fault accident on their record, while Safe Auto is cheaper for drivers who have less-than-stellar credit scores.

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

Auto insurance companies take a look at a lot of different factors when calculating the prices they charge drivers. Variables like gender, your driving record, where your home is, age, and sometimes even things like your credit score can all come into play. Both Louisiana Farm Bureau and Safe Auto use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Louisiana 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 a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the cheapest premium. And who knows, the best carrier for you might not be Louisiana 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.