Compare State Farm vs. SafeAuto Insurance

State Farm and SafeAuto are two well-known companies in the insurance industry. State Farm has a strong mobile and online services. And SafeAuto has fairly low insurance rates.

On the other hand, SafeAuto prolongs the claims process. And State Farm requires a lot of personal information just to obtain a quote. Nonetheless, both companies have a good variety of discounts and A ratings from the Better Business Bureau.

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

  State Farm Safe Auto
Best If State Farm
  • You want competitive discounts, strong mobile and online features, and high customer satisfaction
Safe Auto
  • You want incredibly low insurance rates
Worst If State Farm
  • You want mechanical breakdown coverage
Safe Auto
  • You want a quick claims process

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Special Car Insurance Discounts

State Farm Safe Auto
State Farm

Commercial Auto Insurance

If you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses.

Classic Car Insurance

State Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings
Safe Auto

Standard Car Insurance Discounts

Bundling Coverage Discounts State Farm Safe Auto
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features State Farm Safe Auto
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 State Farm Safe Auto
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships State Farm Safe Auto
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances State Farm Safe Auto
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts State Farm Safe Auto
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

State Farm Auto Insurance SafeAuto Car Insurance
2016 105 46
2015 155 82
2014 178 105
2013 135 36

U.S. Auto Insurance Shopping Study (2016)

State Farm Auto Insurance SafeAuto Car Insurance
Overall Purchase Experience Above average
Policy Offerings Above average
Pricing Average
Local Agent Among the best
Call Center Representative --
Insurer Website Average

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

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

Financial Strength Ratings

State Farm Auto Insurance SafeAuto Car Insurance
A.M. Best A++ --
Moody's Aa1 --
S&P's AA --

Mobile Apps

State Farm Safe Auto
State Farm

State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies.

Pocket Agent

This app lets you:

  • View your insurance card
  • File or view a claim
  • Access Roadside Assistance
  • Connect with your local agent

You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.

CarCapture

This app is powered by Edmunds.com, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote.

Steer Clear

This app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback

This an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results.

Driver Feedback Instructor Edition

This app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile

This app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.

MoveTools

This app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move.

Click here to learn more and download any of these State Farm mobile apps

 

Safe Auto

The SafeAuto Mobile App

This app lets you easily manage your insurance policy from your mobile device. With the app, you can:

  • Pay your insurance premiums
  • View your insurance ID cards or policies
  • Call customer service
  • Use the “Name Your Car” tool

Download the app for iPhone or Android

Roadside Assistance

State Farm Safe Auto
State Farm

State Farm Emergency Road Service

This service can help if you need:

  • Mechanical labor
  • Towing
  • Delivery of gas
  • Tire change
  • Battery jump-start
  • Locksmith services

Or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. You can visit the State Farm Roadside Assistance website here.

Safe Auto

SafeAuto offers towing and roadside assistance as a coverage option for your auto insurance policy. With this coverage, towing services and certain repair costs will be paid for. This allows you and your car can get back on the road as soon as possible.