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General rates
| Feature | State Farm | Safeco | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,462/yr | ~$1,802/yr | ✓ State Farm |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 0.79 — good | 0.82 — good | ✓ State Farm |
| Credit: excellentrate change for excellent credit | -10% | -11% | ✓ Safeco |
| Credit: fair / poorrate change for fair credit | +22% | +26% | ✓ State Farm |
| Young drivers · 18–24surcharge vs 35–54 baseline | +16% | +18% | ✓ State Farm |
| Drivers 55+discount vs 35–54 baseline | -9% | -7% | ✓ State Farm |
| Homeowner discount | -8% | -8% | — |
| Multi-policy discount | -12% | -5% | ✓ State Farm |
| Lapsed coverage penaltysurcharge for coverage gap | +18% | +16% | ✓ Safeco |
| How to buy | Agent only | Agent only | — |
| Telematics program | Drive Safe & Save | RightTrack | — |
About State Farm
Largest US auto insurer. 19,000+ agents nationwide. Best bundling discount among the majors. In this comparison, State Farm has the advantage on avg rate, complaints, fair-credit rate. Best for: Local agent service & multi-policy bundling.
About Safeco
Liberty Mutual subsidiary sold through independent agents. Competitive in Western markets, solid complaint record. In this comparison, Safeco has the advantage on excellent-credit rate, lapsed-coverage penalty. Best for: Independent agent shoppers.
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