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

Quick Facts

• In general, Texas Farm Bureau offers significantly cheaper rates than Safe Auto
• Safe Auto may help you save more money -- they offer more discounts than Texas Farm Bureau Insurance
• Texas Farm Bureau offers more affordable premiums for single people who will be the only person on the insurance policy

Safe Auto or Texas Farm Bureau: 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 large savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Safe Auto or Texas Farm Bureau as potential options, but between the two, which carrier will save you the most?

Looking at the national average rates for both carriers, Texas Farm Bureau has average rates that are around 40% a month less expensive than those from Safe Auto.

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

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

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

Safe Auto and Texas Farm Bureau only compete against each other in Texas, where Texas Farm Bureau offers the cheaper average rates. Texas Farm Bureau drivers tend to pay about $97 per month less on average compared to drivers who use Safe Auto for their insurance.

That being said, there's a lot more that goes into your car insurance bill than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers. That's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 45% less a month by choosing Texas Farm Bureau over Safe Auto. It's worth noting that Safe Auto offers car insurance in 13 different states compared to Texas Farm Bureau's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, with both carriers, you'll see your rates drop significantly by the time drivers turn 25. For example, average premiums for Safe Auto policyholders decrease about $250 and Texas Farm Bureau's prices reduce almost $90 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable insurance premiums you can 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.

So, which company offers the best rates to retired drivers? Texas Farm Bureau gets the edge here, with average prices coming in at around $102 per month compared to Safe Auto's $179.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally less expensive for married couples than they are for single drivers? This usually boils down to married drivers having more than one vehicle on their policy -- something a lot of auto insurance companies will reward with discounts.

For those who are single, the difference in average rates between these two carriers is significant, with Texas Farm Bureau premiums coming in at a third less than Safe Auto's. For married policyholders, the advantage is clear again - Texas Farm Bureau has the edge when it comes to average rates.

Safe Auto or Texas Farm Bureau: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll generally end up paying more for insurance than women.

With Safe Auto, men usually pay about $15 per month more than women, and around $17 more with Texas Farm Bureau.

Looking at the data for each carrier specifically, Texas Farm Bureau comes out on top for both men and women. On average, male drivers save about $83 a month and women save about $83 with Texas Farm Bureau compared to the average Safe Auto policyholder.

Safe Auto vs. Texas Farm Bureau: 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 car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum limits for liability insurance, Texas Farm Bureau has the significant edge, with average monthly prices coming in at $87. If you want a full coverage policy with the same state minimum limits, Texas Farm Bureau again has the edge, with policies averaging around $192 per month to Safe Auto's $320.

Is Safe Auto or Texas Farm Bureau 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.

It's no secret secret that collisions and speeding tickets lead to higher rates, but which company -- Safe Auto or Texas Farm Bureau -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Texas Farm Bureau auto 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 about a quarter.

But Texas Farm Bureau has cheaper premiums for drivers in both categories. Drivers with a clean record can save around 61% a month with Texas Farm Bureau Insurance, and the same can be said for those with a speeding ticket, too.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault collision with Safe Auto raising by about 27%. Texas Farm Bureau has a less extreme increase, but you can still expect to pay nearly 40% more than you were prior to your first accident.

At the end of the day, the more affordable rates come from Texas Farm Bureau, with average premiums coming in at $114 compared to Safe Auto's $246.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. Texas Farm Bureau drivers usually see a 76% raise in their auto insurance rates after a DUI charge, while Safe Auto will generally climb prices by around 27%.

Safe Auto has the overall cheapest rates for drivers with a DUI on their records at $245 monthly, but it's worth noting that Safe Auto's average rates come from 13 states compared to just one for Texas Farm Bureau, so the data may be skewed slightly.

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

Did you know many car insurance carriers take your credit score into account when determining prices? This isn't true for everyone (for example, are two states that ban the practice entirely), but it will come into play for quite a few drivers.

Insurance companies 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 less expensive premiums.

Looking specifically at Texas Farm Bureau and Safe Auto, which company has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Texas Farm Bureau will typically reward you the most. For policyholders with "excellent" credit scores, Texas Farm Bureau comes in more than 67.38 more affordable. Drivers with "good" credit scores usually save about 51% with Texas Farm Bureau compared to average rates from Safe Auto.

Which Company is Best for Drivers with Bad Credit?

Texas Farm Bureau typically offers lower premiums than Safe Auto when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 36% per month less with Texas Farm Bureau compared to Safe Auto, and those with "poor" scores generally save an average of about 4% a month.

Is Safe Auto or Texas Farm Bureau 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 sizable impact on how much car insurance carriers will charge for coverage? Typically, the more milage you drive, the more you can expect to pay for auto insurance.

In this case, neither Safe Auto or Texas Farm Bureau report increasing prices for drivers with higher annual mileage figures. Still, Texas Farm Bureau comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car every year, with average premiums of $139 a month for both.

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

Where you park your vehicle can play a pretty big role in how much you pay for insurance. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the road where they live, which decreases the chances of an accident.

When comparing these two companies side-by-side, Texas Farm Bureau usually comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 33% with Texas Farm Bureau compared to Safe Auto. People who live in suburban areas pay about 36% less with Texas Farm Bureau compared to Safe Auto. For drivers in urban ZIP codes, Texas Farm Bureau Insurance's average rates are around 42% less than Safe Auto.

Safe Auto vs. Texas Farm Bureau Discounts

No matter 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 you can. That's where insurance discounts comes into play.

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

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

Safe Auto knocks Texas Farm Bureau out of the park when it comes to the sheer number of discounts available, offering eight more discounts than Texas Farm Bureau.

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

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

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

You've seen the effect certain variables have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is Safe Auto or Texas Farm Bureau the best company for you and your specific driver profile?

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

• You have a speeding ticket on your driving record.
• Your home is in a busy urban area.
• You drive often but have a short commute.

Safe Auto might be best for you if...

• You are considering moving to another state -- Texas Farm Bureau Insurance only offers policies in Texas.
• Your driving record includes a DUI charge.
• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Safe Auto and Texas Farm Bureau. We also hope we've given you the information you need to make the best decision when it comes to your 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 multiple companies, not just Safe Auto and Texas Farm Bureau. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Safe Auto vs. Texas Farm Bureau FAQs

Is Safe Auto or Texas Farm Bureau cheaper?

Texas Farm Bureau is the cheaper of the two companies when looking at national average prices, with policies averaging $139 per month with Texas Farm Bureau and $223 for Safe Auto. Even so, that doesn't mean Texas Farm Bureau will be the lowest company for everyone, since there are a bunch of different factors that come into play when it comes to your auto insurance payment.

Who is better, Safe Auto or Texas Farm Bureau?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, Texas Farm Bureau is more affordable for drivers with excellent credit, while Safe Auto offers cheaper rates for drivers with a recent DUI.

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

Insurance carriers use several different variables when calculating the premiums they charge. Things like age, your driving record, gender, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Safe Auto and Texas Farm Bureau calculate prices using different factors, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Safe Auto or Texas Farm Bureau 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 carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Safe Auto or Texas Farm Bureau 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.