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

Quick Facts

• Based on national averages for auto insurance, Oklahoma Farm Bureau offers significantly less expensive premiums than Safe Auto
• Oklahoma Farm Bureau offers more affordable rates for policyholders who drive fewer than 12,000 miles annually
• Safe Auto may help you save more money -- they offer more discounts than Oklahoma Farm Bureau Insurance

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

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

You might have narrowed it down to Oklahoma Farm Bureau or Safe Auto for your next policy, but between the two, which one will save you the most?

Looking at the national average rates for both carriers, Safe Auto is around $49 more a month than Oklahoma Farm Bureau.

But that doesn't necessarily mean Oklahoma Farm Bureau will be the more affordable option for every single driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things). So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

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

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

Oklahoma Farm Bureau and Safe Auto only compete against each other in Oklahoma, where Oklahoma 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's a lot more that goes into your auto insurance cost than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

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

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. Just look at the table above -- where 18-year-old drivers who have Oklahoma Farm Bureau for their car insurance pay almost 15% less than those who use Safe Auto.

Even so, both carriers will decrease rates once you turn 25. For example, average premiums for Oklahoma Farm Bureau policyholders drop about $200 and Safe Auto's rates reduce around $250 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Oklahoma Farm Bureau and Safe Auto? Oklahoma Farm Bureau gets the edge here, with average prices coming in at about $119 monthly compared to Safe Auto's $179.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are typically more expensive for those who are single than they are for married drivers? This usually boils down to married policyholders having several vehicles on their policy -- something lots of insurance companies will reward with discounts.

For single policyholders, the difference in average prices between these two carriers is significant, with Oklahoma Farm Bureau premiums coming in at a quarter less than Safe Auto's. The advantage for married couples with Oklahoma Farm Bureau is also obvious, where drivers save nearly $40 a month.

Oklahoma Farm Bureau or Safe Auto: Average Rates by Gender

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

Usually, men see rates almost 15% per month higher with Oklahoma Farm Bureau, and around 7% with Safe Auto.

When it comes to the lowest prices for each gender, Oklahoma Farm Bureau comes out on top for both men and women, with average premiums 19% less for men and 25% cheaper for women.

Oklahoma 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.

For most people, car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

However, 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, in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Oklahoma Farm Bureau has the significant edge, with average monthly rates coming in at $93. If you want a full coverage policy with the same state minimum limits, Oklahoma Farm Bureau again has the edge, with policies averaging about $256 a month to Safe Auto's $320.

Is Oklahoma 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.

Speeding tickets and collisions will most likely raise your prices, but is Oklahoma Farm Bureau or Safe Auto cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Oklahoma Farm Bureau for their car insurance can usually expect their monthly bill to go up around 10% after getting a speeding ticket. Safe Auto policyholders can expect a bit more drastic of an increase of about 18%.

But Oklahoma Farm Bureau has less expensive rates for drivers in both categories, offering premiums that are $38 and $62 cheaper, respectively, compared to Safe Auto.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Oklahoma Farm Bureau can expect to see around an $16 -- or about 10% -- rise in their car insurance prices. 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 car insurance carrier.

At the end of the day, Oklahoma Farm Bureau offers the most affordable rates for drivers with an at-fault collision on their records, with average premiums coming in at $158 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 -- normally a lot more than an accident or ticket. On average, Oklahoma Farm Bureau will increase your prices about 41% after a DUI, while Safe Auto's average premiums climb by more than 25%.

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

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

The reasoning car insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally be forced to pay more.

So, which company offers the lowest rates 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 Oklahoma 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 premiums? That's because the fewer miles you put on your vehicle, the less likely you are to be in a collision and file an insurance claim.

In this case, neither Oklahoma Farm Bureau or Safe Auto report increasing prices for drivers with higher annual mileage figures. Oklahoma Farm Bureau comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average premiums of $174 per month for both.

Oklahoma 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 insurance, but the type of area you live in can have a substantial impact as well. Typically, 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.

When comparing these two companies side-by-side, Oklahoma Farm Bureau generally comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 23% with Oklahoma Farm Bureau compared to Safe Auto. People who live in suburban areas pay about 6% less with Oklahoma Farm Bureau compared to Safe Auto. For policyholders in urban ZIP codes, Oklahoma Farm Bureau Insurance's average prices are around 33% less than Safe Auto.

Oklahoma 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 insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of 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 Oklahoma Farm Bureau and Safe Auto so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Safe Auto knocks Oklahoma Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 14 different discounts to Oklahoma Farm Bureau's 14.

A couple of those are overlapping for things like discounts for being a defensive driver and discounts for insuring multiple cars with the same company. Safe Auto also offers discounts for agency transfer, anti-theft, claim free, and more.

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

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

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

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

• You want to save money on your car insurance after an accident.
• You drive fewer than 6,000 miles every year.

Safe Auto might be best for you if...

• You value the experience that comes with a large national insurance carrier.
• You're looking for discounts -- Safe Auto has the most.

Hopefully, this guide has ben a valuable resource as you compare Oklahoma Farm Bureau and Safe Auto and that it aids in making a more informed decision about 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 Oklahoma Farm Bureau and Safe Auto. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Oklahoma Farm Bureau vs. Safe Auto FAQs

Is Oklahoma Farm Bureau or Safe Auto cheaper?

Oklahoma Farm Bureau is the more affordable of the two carriers when looking at national average prices, with policies averaging $174 a month with Oklahoma Farm Bureau and $223 for Safe Auto. Even so, that doesn't mean Oklahoma Farm Bureau will be the lowest company for everyone, since there are a range of different factors that are considered when it comes to your car insurance bill.

Who is better, Oklahoma Farm Bureau or Safe Auto?

Sadly, the answer truly is "it depends.". One carrier is not "better" for each policyholder -- it all boils down to your unique auto insurance profile.

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

Insurance companies use quite a few different variables when calculating the rates they charge. Factors such as gender, your driving record, age, where your home is, and sometimes even things like your credit score can all come into play. Both Oklahoma Farm Bureau and Safe Auto calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Oklahoma 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 a handful of companies 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 quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the lowest price. And maybe you'll find that the best company for you isn't Oklahoma 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.