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

Quick Facts

• Looking at the national averages for car insurance, Missouri Farm Bureau offers significantly less expensive prices than Safe Auto
• Missouri Farm Bureau offers more affordable rates for policyholders who are looking to purchase insurance with a spouse
• Safe Auto may help you save more money -- they offer more discounts than Missouri Farm Bureau Insurance

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

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Missouri Farm Bureau or Safe Auto for your next policy, but which one will offer you more affordable prices?

Looking at nationwide averages, Safe Auto is quite a bit more expensive than Missouri Farm Bureau, with rates averaging $223 a month compared to just $111 with Missouri Farm Bureau.

Even so, Missouri Farm Bureau may not be the most affordable or best option for every single driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things). So, at the end of the day, premiums from each company will differ quite a bit from person to person.

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

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

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

There are plenty of other factors that go into your car insurance cost than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use Missouri Farm Bureau save almost 45% a month compared to those who use Safe Auto.

But both companies will reduce 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, Missouri Farm Bureau still has the lowest premiums at $94 a month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the cheapest insurance rates 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 auto insurance.

When looking at Missouri Farm Bureau and Safe Auto specifically, which company is best for retired drivers? Missouri Farm Bureau gets the edge, with prices for drivers 65 and older nearly 55% cheaper than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive insurance rates than single policyholders. That's typically because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with Missouri Farm Bureau rates coming in at around half of Safe Auto's. The advantage for married policyholders with Missouri Farm Bureau is also obvious, where drivers save about $90 per month.

Missouri Farm Bureau or Safe Auto: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to car insurance men will usually end up paying a little more.

With Missouri Farm Bureau, men generally pay around $15 a month more than women, and about $17 more with Safe Auto.

Looking at overall affordability, Missouri Farm Bureau comes out as the lowest option for both genders, with average prices 48% less for men and 52% cheaper for women.

Missouri 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 insurance can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability insurance, Missouri Farm Bureau has the significant edge, with average monthly premiums coming in at $51. If you want a full coverage policy with the same state minimum limits, Missouri Farm Bureau again has the edge, with policies averaging around $170 per month to Safe Auto's $320.

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

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

Speeding tickets and collisions will most likely raise your rates, but is Missouri Farm Bureau or Safe Auto more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Missouri Farm Bureau for their auto insurance can usually expect their monthly bill to go up about 5% after getting a speeding ticket. Safe Auto policyholders can expect a bit more drastic of an increase of around 18%.

That being said, Missouri Farm Bureau has cheaper prices for drivers in both categories, offering rates that are $83 and $118 more affordable, respectively, compared to Safe Auto.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Safe Auto raising by about 27%. Missouri Farm Bureau has a less extreme rise, but you can still expect to pay more than 10% more than you were prior to your first accident.

At the end of the day, Missouri Farm Bureau offers the cheapest prices for drivers with an at-fault collision on their records, with average rates coming in at $109 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. For example, Safe Auto increases average premiums by $65 a month -- that's over a 25% increase.

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

You may not realized it, but your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an auto insurance factor) but it does affect a lot of drivers out there.

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

So, which carrier offers the most affordable prices for policyholders 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 Missouri 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 big impact on your monthly premiums? Typically, those who drive less will end up with cheaper rates since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Missouri Farm Bureau or Safe Auto report increasing prices for drivers with higher annual mileage figures. Still, Missouri 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 premiums of $111 per month for both.

Missouri Farm Bureau or 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 auto insurance, but the type of area you live in can have a pretty big impact as well. Generally, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads where they live.

Missouri Farm Bureau boasts the cheapest average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 54% with Missouri Farm Bureau compared to Safe Auto. People who live in suburban areas pay about 46% less with Missouri Farm Bureau compared to Safe Auto. For policyholders in urban ZIP codes, Missouri Farm Bureau Insurance's average prices are around 51% less than Safe Auto.

Missouri Farm Bureau vs. Safe Auto Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Missouri Farm Bureau and Safe Auto so that you can easily see which company offers the most discounts and, therefore, the largest savings.

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

Both companies offer lots of the same discounts -- like discounts for insuring multiple cars with the same company, occupation discounts, and passive restraint discounts -- but Safe Auto also offers discounts for agency transfer, anti-theft, claim free, and more.

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

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

So, we've broken down the average premiums for many of the factors auto insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which insurance company is the right fit for you?

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

• You have below-average credit.
• You want the most robust protection via a "full coverage" policy.
• 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 to residents.
• You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Missouri 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 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 auto insurance -- comparing quotes from a handful of companies, not just Missouri Farm Bureau and Safe Auto. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Missouri Farm Bureau vs. Safe Auto FAQs

Is Missouri Farm Bureau or Safe Auto cheaper?

Missouri Farm Bureau is the less expensive of the two companies when looking at national average prices, with policies averaging $111 a month with Missouri Farm Bureau and $223 for Safe Auto. Even so, that doesn't mean Missouri Farm Bureau will be the most affordable company for each policyholder, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Missouri Farm Bureau or Safe Auto?

Unfortunately, the real answer is "it depends.". Neither carrier is "better" for every policyholder -- it all comes down to what your unique car insurance profile looks like.

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

Auto insurance carriers use several different factors when determining the rates they charge. Things like gender, where you park your car, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both Missouri Farm Bureau and Safe Auto calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from several different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several 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 area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Missouri 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.