Compare Farmers vs. Safeco Insurance

Get affordable car insurance quotes from top companies like Farmers and Safeco Compare Auto Insurance Rates

Farmers and Safeco are a couple of big names in the world of insurance. Both companies have their strengths and weaknesses. For instance, Farmers has a lot of coverage options and Safeco has a lot of discounts on your home.

However, Safeco lacks fast and easy follow-up process and Farmers lack 24/7 customer service support. Still, both companies have excellent roadside assistance programs and financial strength ratings.

So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Farmers Safeco
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Safeco
  • You want a lot of discounts on your home and auto policies
Worst If Farmers
  • You want slick online tools to manage your policy
Safeco
  • You want fast and easy follow-up

Special Car Insurance Discounts

Farmers Safeco
Farmers

Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low.

Safeco

Safeco has a wide range of discounts that can help save you tons on your auto insurance policy.

Some of its basic discounts include the following:

Safeco Package

This discount combines three features: coverage, savings, and convenience.

Coverage

  • You can choose from an array of coverage options for both home and auto policies
  • Safeco also offers coverage enhancements like Equipment Breakdown Coverage or Roadside Assistance

Savings

The Safeco Package can save you up to 15 percent when you combine your home and auto policies

Single Loss Deductible

Picture this: both your home and car are damaged by the same event. You may only have to pay a one lump sum deductible.

Convenience

  • You can choose between a six-month and annual auto policy
  • Combine billing statements for all your policies to take care of everything in one single place
  • Align renewal dates so you only have to keep track of one instead of multiple

Safeco Safety Rewards

With Safety Rewards, you can lower your insurance costs on the following conditions:

  • Diminishing Deductible: Your deductible will decrease every renewal period as long as there are no claims filed against your policy
  • Accident Forgiveness: After being with Safeco Insurance a certain number of years, the first accident is waived from your policy
  • Accident Prevention: Drivers aged 55 and older typically can complete an accident prevention course and thus be eligible for this discount

Teen Safety Rewards

These are to encourage your teen to drive more safely. Teens behind the wheel can earn discounts such as:

  • Good student discount
  • Driving training discount
  • Tips for teen drivers discount

Low Mileage Discount

  • If you don't drive much, you may qualify for this discount and save up to 20 percent
  • To qualify you have to drive less than 8,000 miles a year

Safeco RightTrack

  • RightTrack is a small device that plugs into your vehicle and monitors your driving habits. Just by signing up for this discount, you can initially save 5 percent off your car insurance premium
  • After 90 days, you may be eligible to earn up to a 30 percent discount if you're a safe driver

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Standard Car Insurance Discounts

Bundling Coverage Discounts Farmers Safeco
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Farmers Safeco
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Farmers Safeco
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Farmers Safeco
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Farmers Safeco
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Farmers Safeco
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Farmers Auto Insurance Safeco Car Insurance
2016 167 152
2015 262 210
2014 237 274
2013 300 269

U.S. Auto Insurance Shopping Study (2016)

Farmers Auto Insurance Safeco Car Insurance
Overall Purchase Experience Average Average
Policy Offerings Average Average
Pricing Average Average
Local Agent Average Average
Call Center Representative -- Below average
Insurer Website Below average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Farmers Auto Insurance Safeco Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Above average
Service Interaction Above average Average
Appraisal Average Average
Repair Process Average Average
Rental Car Experience Average Above average
Settlement Average Average

Financial Strength Ratings

Farmers Auto Insurance Safeco Car Insurance
A.M. Best A A
Moody's Aa3 A2
S&P's A+ A-

Mobile Apps

Farmers Safeco
Farmers

Farmers Insurance Mobile App

helps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:

  • View the details of your coverage policy
  • Get updates from a message center
  • Have instant access with a “Keep Me Logged In” feature

Download the Farmers Insurance Mobile App.

Safeco

Safeco doesn’t have a mobile app for auto insurance, but it does have one for homeowners insurance.

The Safeco Home Inventory App lets you easily catalog all your valuables and belongings in your home. You can keep track of all your items by room or category. View your inventory should something happen to your home.

Download the Safeco homeowners insurance app here.

Roadside Assistance

Farmers Safeco
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150.

Farmers’ Roadside Emergency Safety Contact Number

Call 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. 

Safeco

Safeco Roadside Assistance

Roadside Assistance with Safeco provides policy holders additional coverage for 24/7 roadside service. An insured car with roadside assistance coverage is eligible for services along with insured RV's and motorcycles.

Roadside Services Covered:

  • Towing
  • Flat tire
  • Battery service
  • Fuel and Fluids
  • Lockout

Contact Phone Number

Hotline: 1-877-762-3101

Roadside assistance operates 24 hours a day, 7 days a week.