Safeco vs. State Farm: Which Insurance Company Is Better in 2025?
State Farm’s high customer satisfaction rating and relatively low premiums make it a top choice for drivers.
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When it comes to car insurance, Safeco and State Farm are both solid options. State Farm is the biggest insurer in the U.S. by market share and rates highly for customer service, while Safeco has more discounts for safe driving behavior.
To determine which insurer is the best for you, compare car insurance quotes from both companies. Consider coverages, policy features, insurance rates, discounts, online tools, and customer service ratings to make an informed decision.
Quick Facts
Safeco and State Farm both have telematics programs that can save you up to 30% on your auto premiums.
Safeco offers accident forgiveness, which State Farm doesn’t offer.
State Farm offers rideshare insurance, while Safeco doesn’t mention this coverage on its website.
Safeco vs. State Farm: Our verdict
Safeco and State Farm are both good choices for auto insurance coverage, but each company has strengths and weaknesses to consider. For instance, J.D. Power ranks State Farm higher than Safeco for claims satisfaction, and AM Best gives State Farm a higher financial strength rating.
State Farm also offers more discounts and has lower rates, on average, than Safeco. But Safeco has more safe driving discounts than State Farm, including accident forgiveness and a diminishing deductible.
And while Safeco’s website doesn’t mention rideshare insurance, State Farm offers it to its customers. Neither company provides gap insurance.
Ultimately, the best car insurance company for you will depend on your specific needs. Compare pricing, discounts, and coverages before choosing.
Safeco vs. State Farm
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Safeco: Best for safe drivers
State Farm: Best for customer satisfaction
State Farm vs. Safeco: Which is cheaper?
Insurance companies base your car insurance premiums on your age, gender, marital status, location, driving record, credit history, and coverage.[?] The best way to find the cheapest policy is with an insurance-comparison website.
On average, State Farm has slightly cheaper premiums than Safeco. The table below shows each company’s average premiums for various types of drivers.
Driver Type  | Safeco | State Farm |
|---|---|---|
| Adult drivers | $164 | $100 |
| Liability-only coverage | $88 | $56 |
| Full coverage | $142 | $109 |
| Drivers with a speeding ticket | $195 | $136 |
| Drivers with a DUI | $236 | $160 |
| Drivers with an at-fault accident | $208 | $140 |
| Poor credit drivers | $173 | $175 |
| Good credit drivers | $129 | $87 |
| Teen drivers | $310 | $222 |
| Senior drivers | $126 | $78 |
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Safeco vs. State Farm car insurance discounts
Both Safeco and State Farm offer several discounts, including those for bundling multiple policies (like a renters insurance policy and car insurance), safe driving, and being a loyal customer. State Farm also offers teen-specific discounts, such as good student and student-away-at-school discounts, while Safeco’s website doesn’t mention similar discounts.
Both insurers have telematics programs that can lower your car insurance premiums if you can prove you’re a safe driver.
The best way to find out which discounts you may qualify for is to speak with an agent or request a quote. Discounts can also vary by state, which is why it’s important to do your research and compare quotes and coverage before choosing an insurer.
Discount | Safeco | State Farm |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✔ | ✔ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✔ |
| New car | ✖ | ✖ |
| Military/affiliation | ✖ | ✖ |
| Good student | ✖ | ✔ |
| Loyalty | ✔ | ✔ |
| Auto pay | ✖ | ✖ |
| Student away at school | ✖ | ✔ |
| Homeowner | ✖ | ✖ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✖ | ✖ |
Compare customer satisfaction and financial strength
The J.D. Power 2025 U.S. Auto Claims Satisfaction Study rates State Farm above average and Safeco slightly below average.[?] Both insurers also have solid AM Best financial strength ratings.
But both insurers have a slightly higher-than-average complaint index, according to the NAIC, and many customers have complained to the Better Business Bureau (BBB).
State Farm customers complain about continually increasing premiums and difficulty canceling insurance policies. In contrast, Safeco customers express unhappiness with the claims process and difficulty canceling coverage.
Score | Safeco | State Farm |
|---|---|---|
| IQ Score | 8.1 | 9.3 |
| Customer reviews | 4.4/5 (932 reviews) | 4.1/5 (12,668 reviews) |
| J.D. Power | 672 | 716 |
| AM Best rating | A | A++ |
| NAIC complaint index | 1.70 | 1.21 |
| BBB customer reviews | 1.08 out of 5 | 1.23 out of 5 |
Recent customer reviews of Safeco car insurance
Insurify gathers honest reviews from real customers so you can see what the customer experience looks like. These are some of the most recent verified customer reviews for Safeco car insurance.
Recent customer reviews of State Farm car insurance
Insurify collects helpful reviews from real customers to help you get a feel for the customer experience with each insurer you’re considering. These reviews are from real State Farm car insurance customers.
Safeco RightTrack vs. State Farm Drive Safe & Save
Safeco and State Farm both offer telematics discounts. Through these programs, the insurer monitors your real-time driving behavior and applies discounts when you drive safely.
Telematics programs, which offer discounts for driving behavior, are different from pay-per-mile programs, which provide discounts based on how much you drive.
Research shows that telematics programs reduce crash risk by approximately 50% for enrolled drivers.[?] Telematics programs can also reduce emissions, as enrolled drivers tend to speed less, accelerate more slowly, and brake more gently. This can improve your gas mileage by 15% to 30% at highway speeds.
Safeco’s RightTrack program offers a 10% enrollment discount just for downloading the mobile app and signing up. It monitors your driving behavior — including acceleration, braking, the time of day you drive, and the number of miles you drive — over a three-month period.
After that, you’ll receive a RightTrack score, which replaces your enrollment discount with a safe driving discount applied to your premium for the life of your policy. Safeco says your discount could range from 5% to 30%.
State Farm’s Drive Safe & Save program also offers an initial 10% discount when you sign up. Once you download the app, it’ll track your driving and provide feedback and detailed trip maps.
State Farm says that safe drivers can save up to 30%, and enrolling all your household vehicles can maximize your savings. The Drive Safe & Save app can also detect accidents and provide help through Accident Assistance.
Feature | Safeco RightTrack | State Farm Drive Safe & Save |
|---|---|---|
| Best for | Hands-off drivers who want to get a discount but don’t need consistent feedback | Drivers who want to review their driving behavior using maps and real-time feedback |
| Savings potential | Up to 30% based on driving behavior | Up to 30% based on driving behavior |
| How it works | Uses your phone to track braking, acceleration, nighttime driving, and mileage | Uses your phone to track speed, braking, acceleration, cornering, phone distraction, and mileage |
| Availability | 44 states | 48 states |
| Data tracked | Acceleration, braking, nighttime driving, mileage | Speed, acceleration, braking, cornering, phone distraction, mileage |
| App rating (App Store/Google Play) | 4.8/4.7 | 4.8/4.6 |
| Average discount for good drivers | 5%–30% | 10%–30% |
| Driver feedback tools | Review your driving patterns and see your projected driving score in the app | Detailed trip maps and driving events along the way |
| Gamified rewards | ✖ | ✖ |
| Compatibility | Smartphone app only | Smartphone app only |
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Compare coverages: Safeco vs. State Farm
Safeco and State Farm both offer basic liability, comprehensive, and collision coverage. Available coverage add-ons include underinsured/uninsured motorist coverage, roadside assistance, rental reimbursement, and classic car coverage.[?]
Neither insurer offers gap insurance. But State Farm does offer rideshare coverage, which could be the deciding factor if you drive for a rideshare company.
Coverage | Safeco | State Farm |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✖ | ✖ |
| Classic car insurance | ✔ | ✔ |
| Rideshare insurance | ✖ | ✔ |
Safeco vs. State Farm FAQs
If you have questions about car insurance from Safeco or State Farm, the following information can help.
Which is cheaper: Safeco or State Farm?
State Farm is generally cheaper than Safeco. But your premiums will depend on your age, gender, marital status, driving record, coverage, and more.
Is Safeco a reputable company?
Yes. Safeco is a reputable insurance company. Owned by the Liberty Mutual Group, Safeco has an A (Excellent) financial strength rating from AM Best, indicating the company’s ability to pay claims.
Is Safeco dropping homeowners insurance?
No. Safeco has no current plans to drop home insurance coverage. But the insurer stopped offering condo and renters insurance coverage in California in early 2025.
Which company is State Farm’s biggest competitor?
Progressive is State Farm’s biggest competitor by market share as of 2024, the most recent year for which data is available.
How does Safeco pay claims?
Safeco’s claims process pays out in one of two ways. If you choose an in-network repair shop, Safeco will pay the shop directly. If you use an out-of-network shop, Safeco can issue a check to you, your chosen repair shop, or your lender.
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