Safety Insurance vs State Farm Car Insurance

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

Ratings

Insurify Composite Score

Safety Insurance
Not Rated
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

Safety Insurance VS State Farm
Not Rated
88
What is this?
User Ratings
OptionsSafety Insurance State Farm
Rating/Reviews
26 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsSafety Insurance State Farm
Insurer Website--The rest
Local Agent--About average
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsSafety Insurance State Farm
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--About average
Overall Satisfaction--About average
Rental Experience--About average
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionSafety Insurance State Farm
California--813 pt
About average
Central--824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic--826 pt
The rest
New England813 pt
About average
838 pt
Better than most
New York--820 pt
About average
North Central--840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas--816 pt
The rest
Mobile App Ratings
RegionSafety Insurance State Farm
Android--
12,082 Reviews
iOS--
288 Reviews
Financial Ratings
OptionsSafety Insurance State Farm
A.M. BestAA++
Moody's--Aa1
Standard & Poor's--AA

Auto Insurance Quotes

For Married Drivers

CitySafety Insurance State Farm
Austin--$52
Chicago--$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CitySafety Insurance State Farm
Austin--$54
Chicago--$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CitySafety Insurance State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CitySafety Insurance State Farm
Austin--$54
Chicago--$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CitySafety Insurance State Farm
Austin--$66
Chicago--$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CitySafety Insurance State Farm
Austin--$50
Chicago--$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CitySafety Insurance State Farm
Austin--$56
Chicago--$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CitySafety Insurance State Farm
Austin--$50
Chicago--$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CitySafety Insurance State Farm
Austin--$52
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CitySafety Insurance State Farm
Austin--$60
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CitySafety Insurance State Farm
Austin--$58
Chicago--$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CitySafety Insurance State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CitySafety Insurance State Farm
Austin--$42
Chicago--$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeSafety Insurance State Farm
Good DriverVariesUp to 25%
Good StudentVariesUp to 25%
LoyaltyVariesVaries
Multiple PolicyVariesUp to 17%
Multiple VehicleVariesUp to 20%
Student Away at SchoolVariesVaries
Accident Free--Up to 15%
Anti-Theft Device--Up to 15%
Anti-lock Brake--Up to 20%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Defensive Driver--Up to 5%
Driving Habits--Up to 30%
Driving training--Varies
Good Credit--Up to 80%
Home Owner--Varies
Low Mileage--Up to 10%
Mature driver--Varies
Military--Varies
New Car--Up to 40%
Passive Restraint--Up to 40%
Senior Adult--Varies
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

Discount typeSafety Insurance State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesSafety Insurance State Farm
24/7 service--yes
Accident forgivenessyes--
Enhanced towing & substitute coverageyesyes
Flexible / convenient paymentsyesyes
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesSafety Insurance State Farm
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
--yes
Antique or Collector Car Insurance
--yes
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
--yes
Extended Coverage
yes--
Gap Insurance
yes--
Glass Coverage yesyes
Mechanical Breakdown Insurance
--yes
Personal Auto Plus
yes--
Personal/Upgraded Item Coverage
yes--
Pet Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
--yes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes

Insurance by State

Uber and Lyft driver insurance

  • Safety Insurance
  • State Farm
  • Both

SR‌-22 Insurance by State

  • Safety Insurance
  • State Farm
  • Both

Compare Insurance Products

ProductSafety Insurance State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyesyes
Commercial InsuranceCommercial Insuranceyes--
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insuranceyesyes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insurance--yes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Safety Insurance Reviews
  • State Farm Reviews
3.2
5 Stars
46 %
3 Stars
15 %
2 Stars
4 %
1 Star
35 %

Most Helpful Review

By James
We had a basement flooding issue that was covered under our insurance policy. The claims agent generated the damage assessment and repair work costs, and provided info on the mitigation services to remove mold/water/ and do repair work. They set those charges up independently of our actual damage recovery costs and we had written and email validation of the claims. They paid out our damage items recovery claim, but did not pay the mitigation company, and told them that had to come out of our item recovery payment - clearly not what the written documents or our email discussions had documented what would happen. They tried to scam me and lied about over and over again. I kept the written records, the phone records and the email trails that showed they were dishonest and scamming me throughout this process of the mitigation company trying to get paid for their work over a month (they kept sending us the direct bills and asking us to pay for it). After their email trail and the written documents I had from the claim uncovered all the lying, they finally agreed to pay the mitigation company and claimed it was just an honest mistake on their part. I have the complete email trial that shows they were dishonest and trying to scam me and not meet their written commitments. Really disgusting and unethical behavior on the part of Safety Insurance. They knew full well what their committments were and simply tried to not abide by them and have us pay for repair work that they had agreed to pay separately. I guess its not surprising that an Insurance Company would try and scam their customers, but be wary, cause this one did it to me before they got caught in their dishonesty.

Latest Review

By Douglas S
worst company to deal with. one of there clients hit me on my motorcycle and I've been doing all the work to get my bike fixed and helmet replaced. the adjuster that is working my claim is a joke. she never answers her phone and never returns my calls. twice I had to have two other adjusters help me because she is so useless.

All Reviews

Showing 1 - 10 out of 26 Reviews
Sort by

Read reviews that mention

Douglas S
worst company to deal with. one of there clients hit me on my motorcycle and I've been doing all the work to get my bike fixed and helmet replaced. the adjuster that is working my claim is a joke. she never answers her phone and never returns my calls. twice I had to have two other adjusters help me because she is so useless.
Neil M
They ****, someone backed into my car in a drive thru line at dunkin donuts and even though the police report stated that they considered it no fault to either party thus raising my rates because a claim was filed
Joseph H
I was notified that a claim was being made against my insurance. The allegation was an accident involving my daughter 6 months ago and that the person just put the claim in. I immediately contacted my claims adjuster demanding to know more but was told safety insurance policy prevents information about the accident being released. The only info was the claim was presented on 12/27/18 from an accident occurring on 7/1/18. This was a day we were out of the state. No other information was being released. I'm their client and they are refusing to inform me about this accident. I was provided an accident report form to fill out without any other information. Don't use Safety insurance. Overpriced without support for their own client.
ROBERT B
THIS AWFUL SAFETY INSURANCE CO. IS THE WORST EVER AND DESERVES A ZERO OR EVEN LOWER RATING. I HAD TO LEAVE ONE STAR OR YOU WOULD NOT POST THIS WARNING TO OTHER PEOPLE. I HAVE NEVER SEEN A COMPANY THIS LOW. HOW COULD YOU RATE SAFETY INSURANCE CO. A+ WITH ALL THE COMPLAINTS THEY HAVE. GO TO ****** AND READ THEM. THEY MUST BE PAYING YOU OFF FOR YOUR RATING FOR THEY DON'T PAY ANYONE ELSE. ***
Gina
Gina
A.C.
Awful company! Stay away at all costs.
Peter
Peter
James
We had a basement flooding issue that was covered under our insurance policy. The claims agent generated the damage assessment and repair work costs, and provided info on the mitigation services to remove mold/water/ and do repair work. They set those charges up independently of our actual damage recovery costs and we had written and email validation of the claims. They paid out our damage items recovery claim, but did not pay the mitigation company, and told them that had to come out of our item recovery payment - clearly not what the written documents or our email discussions had documented what would happen. They tried to scam me and lied about over and over again. I kept the written records, the phone records and the email trails that showed they were dishonest and scamming me throughout this process of the mitigation company trying to get paid for their work over a month (they kept sending us the direct bills and asking us to pay for it). After their email trail and the written documents I had from the claim uncovered all the lying, they finally agreed to pay the mitigation company and claimed it was just an honest mistake on their part. I have the complete email trial that shows they were dishonest and trying to scam me and not meet their written commitments. Really disgusting and unethical behavior on the part of Safety Insurance. They knew full well what their committments were and simply tried to not abide by them and have us pay for repair work that they had agreed to pay separately. I guess its not surprising that an Insurance Company would try and scam their customers, but be wary, cause this one did it to me before they got caught in their dishonesty.
Showing 1 - 10 out of 26 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.