Farmers vs Safeco Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

Safeco
86
What is this?

Insurify Composite Score

Farmers VS Safeco
85
86
What is this?
User Ratings
OptionsFarmers Safeco
Rating/Reviews
506 reviews
1,801 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFarmers Safeco
Call Center Representative--The rest
Insurer WebsiteAbout average--
Local AgentAbout averageBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageAbout average
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFarmers Safeco
Claim ServicingAbout averageThe rest
Estimation ProcessAbout averageThe rest
First Notice of Loss (FNOL)About averageThe rest
Overall SatisfactionAbout averageThe rest
Rental ExperienceAbout averageThe rest
Repair ProcessThe restThe rest
SettlementAbout averageThe rest
J.D. Power Ratings by Region (out of 1000)
RegionFarmers Safeco
California795 pt
The rest
811 pt
About average
Central821 pt
About average
803 pt
The rest
Florida820 pt
About average
825 pt
About average
Mid-Atlantic814 pt
The rest
--
New England--796 pt
The rest
North Central808 pt
The rest
803 pt
The rest
Northwest785 pt
The rest
798 pt
The rest
Southeast--820 pt
About average
Southwest797 pt
The rest
792 pt
The rest
Texas822 pt
About average
--
Mobile App Ratings
RegionFarmers Safeco
Android
2,565 Reviews
89 Reviews
iOS
538 Reviews
1,200 Reviews
Financial Ratings
OptionsFarmers Safeco
A.M. BestAA
FitchA+A-
Moody'sA2A2
Standard & Poor'sAA

Auto Insurance Quotes

For Married Drivers

CityFarmers Safeco
Chicago$124--
Phoenix$126--
Santa Monica$120--

For Single Drivers

CityFarmers Safeco
Chicago$117--
Phoenix$120--
Santa Monica$263--

For Male Drivers

CityFarmers Safeco
Chicago$129--
Phoenix$129--
Santa Monica$269--

For Female Drivers

CityFarmers Safeco
Chicago$112--
Phoenix$117--
Santa Monica$114--

For Drivers with Speeding Ticket

CityFarmers Safeco
Chicago$163--
Phoenix$157--
Santa Monica$302--

For Drivers with No Speeding Ticket

CityFarmers Safeco
Chicago$111--
Phoenix$116--
Santa Monica$168--

For Drivers Age Between 18-40

CityFarmers Safeco
Chicago$120--
Phoenix$123--
Santa Monica$303--

For Drivers Age Between 40-65

CityFarmers Safeco
Chicago$115--
Phoenix$118--
Santa Monica$104--

For Drivers Age of 65+

CityFarmers Safeco
Chicago$142--
Phoenix$143--
Santa Monica$101--

For Drivers with Average Credit

CityFarmers Safeco
Chicago$116--
Phoenix$123--
Santa Monica$149--

For Drivers with Fair Credit

CityFarmers Safeco
Chicago$132--
Phoenix$134--
Santa Monica$134--

For Drivers with Good Credit

CityFarmers Safeco
Chicago$126--
Phoenix$128--
Santa Monica$140--

For Drivers with Excellent Credit

CityFarmers Safeco
Chicago$108--
Phoenix$108--
Santa Monica$343--

Quotes & Discounts

Discount typeFarmers Safeco
Multiple PolicyUp to 10%Varies
EV/HybridUp to 5%--
Affinity groupVaries--
Anti-Theft DeviceVariesUp to 3%
Anti-lock BrakeVariesVaries
Claims Free RenewalVariesVaries
Daytime Running LightsVaries--
Defensive DriverVariesVaries
Driving HabitsVaries--
Driving trainingVariesVaries
E-billingVaries--
Early QuoteVaries--
Electronic Stability ControlVaries--
FamilyVaries--
Good DriverVariesUp to 15%
Good PayerVaries--
Good StudentVariesUp to 16%
Home OwnerVariesVaries
LoyaltyVariesVaries
Mature driverVaries--
MilitaryVaries--
Multiple VehicleVariesUp to 36%
On Your OwnVaries--
OrganizationVaries--
Paid in fullVariesVaries
Paperless documentsVaries--
Passive RestraintVaries--
Preferred paymentVaries--
PrepayVariesVaries
Professional organizationVaries--
Provider SwitchVaries--
Senior AdultVariesVaries
Student Away at SchoolVariesUp to 20%
VIN EtchingVaries--
Youth DrivingVaries--
teenSMARTVariesUp to 15%
Accident Forgiveness--Varies
Accident Free--Varies
Deductible--Varies
Diminishing Deductible--Varies
Early Shopper--Varies
Good Credit--Up to 73%
Low Mileage--Up to 20%
New Teen Driver--Varies
RightTrack--Varies

Payment Methods

Discount typeFarmers Safeco
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
yes--
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Phone Payment
yesyes

Features and Services

Features and ServicesFarmers Safeco
24/7 service--yes
Accident forgivenessyesyes
Diminishing deductible--yes
Flexible / convenient paymentsyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Reimbursement of first aid--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFarmers Safeco
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
yes--
Build Your Own Plan
--yes
Comprehensive Claim Forgiveness
yes--
Electronic Key & Lock Replacement
--yes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
yes--
First Aid Reimbursement
--yes
Gap Insurance
--yes
Glass Coverage yes--
Incident Forgiveness
yes--
Loss of Use Coverage
yes--
New Car Replacement Coverage
yesyes
No Fault Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Personal/Upgraded Item Coverage
yesyes
Pet Coverage
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
yesyes
Roadside Assistance
yesyes
Small Claim Forgiveness
yes--
Sound System Coverage
--yes
Umbrella Policy
yes--
Vanishing Deductible
yesyes

Online Quoting by State

  • Farmers
  • Safeco
  • Both

Uber and Lyft driver insurance

  • Farmers
  • Safeco
  • Both

SR‌-22 Insurance by State

  • Farmers
  • Safeco
  • Both

Compare Insurance Products

ProductFarmers Safeco
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insuranceyesyes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Earthquake InsuranceEarthquake Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyes--
Recreational InsuranceRecreational Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Farmers Reviews
  • Safeco Reviews
3.4
5 Stars
37 %
4 Stars
17 %
3 Stars
15 %
2 Stars
8 %
1 Star
24 %

Most Positive Review

By Joe
They provided me with good service and whenever I needed to make a change in coverage they were very accommodating and when I had a claim they were very quick in taking care of it.

Most Critical Review

By Chesney
Farmers is the absolute worst insurance company around, their communication is poor, customer service is poor & they don’t seem to care about their customers needs

All Reviews

Showing 1 - 10 out of 506 Reviews
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Read reviews that mention

Terence A.Fomba
Please I wish to enquire if I can pay insurance using my name on my brother's car and drive with my international drivers licenses?
Sharon
Good agent
Jagtar
David
Farmers suck. If you are not at fault in an accident. You are on your own. They do nothing. We had to contact their insurance and all kind of rental car arrangements. They did nothing and they sucked.
David
We were in a car accident. The car was hit while my wife and I went for a walk in the park. The gentleman who hit the car was good enough to wait for us to return from our walk. He worked for the city of Maggie Valley. Farmers did nothing for us. We had to contact everyone because the party is as at fault.
Mirtha
Very expensive
Brenda
They were expensive.
Chris
Rates and coverage
Anis
Professional
Michael
They were always on top of everything I had to do with them. They were always quick to resolve issues and handle my claims. I felt secure with them as my insurance carrier
Showing 1 - 10 out of 506 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.