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

Quick Facts

• In general, Mississippi Farm Bureau offers significantly less expensive prices than Safe Auto
• Mississippi Farm Bureau offers cheaper average premiums for policyholders who live in the suburbs
• Safe Auto may help you save more money -- they offer more discounts than Mississippi Farm Bureau Insurance

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Mississippi Farm Bureau or Safe Auto, but between the two, which one will offer you more affordable prices?

As you can see, Mississippi Farm Bureau has average rates that are around 40% a month less expensive than those from Safe Auto when looking at the national average rates for auto insurance.

That being said, that doesn't necessarily mean Mississippi Farm Bureau will be the cheaper option for every single driver. Insurance carriers vary their rates depending on things like how good your credit score is, how clean your driving record is, how old you are, where you live, and all sorts of other factors, so premiums will vary quite a bit from person to person.

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

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

Mississippi Farm Bureau and Safe Auto only compete against each other in Mississippi, where Mississippi Farm Bureau offers the cheaper average rates. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their car insurance.

There are plenty of other factors that go into your auto insurance cost than just your home state. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers. That's generally 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 prices. As you can see above, teens who use Mississippi Farm Bureau save almost 40% a month compared to those who use Safe Auto.

However, both companies will reduce rates once you turn 25. For example, average premiums for Mississippi Farm Bureau policyholders decrease about $150 and Safe Auto's rates lower nearly $250 over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best prices to retired drivers? Mississippi Farm Bureau gets the edge, with rates for drivers 65 and older over 45% more affordable than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically less expensive for married drivers than they are for those who are single? That's because policies for married policyholders normally cover multiple vehicles, which a lot of carriers will give you a discount for.

For single drivers, the difference in average rates between these two companies is significant, with Mississippi Farm Bureau premiums coming in at a third less than Safe Auto's. The advantage is also clear for married couples - Mississippi Farm Bureau offers the lowest average prices.

Mississippi Farm Bureau or Safe Auto: Average Rates by Gender

Because women are less likely to get into collisions and get speeding tickets, they have a lower chance of filing a claim with insurance. So, insurance carriers will tend to charge women less than men.

Women typically pay around $10 per month less than men with Mississippi Farm Bureau, and about $17 less with Safe Auto.

Looking at overall affordability, Mississippi Farm Bureau comes out on top for both men and women. On average, women save about $81 a month and men save around $90 with Mississippi Farm Bureau compared to the average Safe Auto policyholder.

Mississippi 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 auto insurance can be pretty complicated. There are multiple different coverages that account for many different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

Even so, the 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 an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum limits for liability insurance, Mississippi Farm Bureau has the significant edge, with average monthly rates coming in at $80. If you want a full coverage policy with the same state minimum limits, Mississippi Farm Bureau again has the edge, with policies averaging about $193 per month to Safe Auto's $320.

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

It's no secret secret that speeding tickets and at-fault collisions lead to higher premiums, but which carrier -- Mississippi Farm Bureau or Safe Auto -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Mississippi Farm Bureau for their auto insurance can generally expect their monthly bill to go up around 24% after getting a speeding ticket. Safe Auto policyholders can expect a less drastic increase of about 18%.

But Mississippi Farm Bureau is usually the cheaper option for both drivers who have clean records and those with a recent ticket -- their rates are around 44% more affordable for drivers with clean records and 40% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Mississippi Farm Bureau can expect to see around an $34 -- or about 25% -- rise in their car insurance rates. Drivers who use Safe Auto for their auto insurance will see a monthly bill around $66 (or 27%) more expensive after reporting a collision to their insurance company.

At the end of the day, the less expensive prices come from Mississippi Farm Bureau, with average premiums coming in at $135 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 car insurance bill -- normally a lot more than an accident or speeding ticket. On average, Mississippi Farm Bureau will increase your rates about 44% after a DUI, while Safe Auto's average premiums climb by more than 25%.

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

Did you know many insurance companies take into account your credit score when determining prices? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it might come into play for quite a few drivers.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable premiums.

Looking at Mississippi Farm Bureau and Safe Auto specifically, which company has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Mississippi Farm Bureau or Safe Auto 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 pretty big impact on your monthly prices? Typically, the more milage you drive, the more you can expect to pay for coverage.

In this case, neither Mississippi Farm Bureau or Safe Auto report increasing rates for drivers with higher annual mileage figures. Mississippi Farm Bureau comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average prices of $137 a month for both.

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

Where you call home can have a substantial impact on your monthly car insurance bill. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

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

For policyholders in urban ZIP codes, Mississippi Farm Bureau Insurance's average premiums are around $110 less than Safe Auto. People who live in suburban areas pay about $61 less with Mississippi Farm Bureau compared to Safe Auto. Those in rural areas can expect to save around $87 with Mississippi Farm Bureau compared to Safe Auto.

Mississippi 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 taking advantage of as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Mississippi Farm Bureau and Safe Auto so that you can see which carrier can save you the most money each month.

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

There are a couple discounts both companies offer, but Safe Auto also offers discounts for agency transfer, anti-theft, claim free, and more.

On the other hand, Mississippi Farm Bureau has a few proprietary discounts of their own for things like distant student discounts, good student discounts, and multi-policy discounts.

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

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

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

• You have received a ticket within the last few years.
• Your neighborhood is in a rural area.

Safe Auto might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Mississippi Farm Bureau and Safe Auto and that you can now make a more informed decision when it comes to your insurance.

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

Mississippi Farm Bureau vs. Safe Auto FAQs

Is Mississippi Farm Bureau or Safe Auto cheaper?

Mississippi Farm Bureau is the less expensive of the two carriers when looking at national average rates, with policies averaging $137 per month with Mississippi Farm Bureau and $223 for Safe Auto. That being said, that doesn't mean Mississippi Farm Bureau will be the most affordable carrier for every policyholder, since there are a range of different variables that come into play when it comes to your auto insurance payment.

Who is better, Mississippi Farm Bureau or Safe Auto?

Unfortunately, the answer truly is "it depends.". One company is not "better" for everyone -- it all depends on what your unique insurance profile looks like.

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

Car insurance companies use many different factors when calculating the premiums they charge. Variables such as your driving record, age, where you park your car, gender, and sometimes even things like your credit score can all be taken into consideration. Both Mississippi Farm Bureau and Safe Auto calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the auto 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, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the most affordable price. And maybe you'll find that the best carrier for you isn't Mississippi 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.