Compare Safeco vs. State Farm Car Insurance
What’s the difference between Safeco Auto Insurance and State Farm Car Insurance? See how our editors compare the two companies below.
Last Updated: October 27, 2025
Key Facts
- Long list of discounts
- Roadside assistance
- Rental car reimbursement
- Pet injury coverage
- Audio/ video equipment coverage
- Diminishing deductible
- Customizable policies
- Best for Reliable Claims Process & Overall
- 24/7 customer service & strong network of local agents
- Discounts for safe drivers and bundling
OVERALL RATINGS
| Safeco | State Farm | |
|---|---|---|
| Coverage | 4.5/5 | 5.0/5 |
| Financial Strength | 3.5/5 | 5.0/5 |
| Supplemental Coverage | 0.0/5 | 5.0/5 |
| Pricing & Discounts | 4.0/5 | 5.0/5 |
| Claims Satisfaction & Customer Experience | 3.0/5 | 5.0/5 |
| Automation | 4.5/5 | 5.0/5 |
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Final Verdict
State Farm Car Insurance has a higher overall rating than Safeco Auto Insurance. State Farm scores better than Safeco across: Coverage, Financial Strength, Supplemental Coverage, Pricing & Discounts, Claims Satisfaction & Customer Experience, and Automation.
Customer Comments & Reviews
State Farm Car Insurance review
I had SF car insurance for over 50 years, with only about 4 claims in all that time. I also have had my Homeowners policy with them (combined, off and on) for about 15 years. You would think they would offer better loyal customer, senior, or military discounts than they do. With the gigantic increases this year (Homeowners went up over $600 py) for the first time, I am seriously considering going to a cut rate company so we can afford at least some coverage. Very disappointed in SF after being a loyal customer for so long!
State Farm Car Insurance review
Angel Hall state farm ins agency/Palm coast Florida....Brianna took all the informations from me for Auto and Homeowners policies! She was very friendly,,efficient and pleasant.. Although my coverage is not in effect yet,I feel that I would like the services of this agency! It's so close to home but first and foremost Ifeel very welcomed and important! Thank you
ERLINDA HOUSE
State Farm Car Insurance review
Been insured with State Farm for over 27 years on homes and autos. I moved from Indiana to Florida almost 3 yrs ago...my rates have increased 5-10% every 6 months since moving to Florida, whereas I barely had even a $3 increase each YEAR, if any at all on the same vehicle, while living in Indiana. I believe agents, and their greediness, have A LOT to do with any insurance experience. I used the roadside assistance coverage for the first time in those 27 yrs and the experience was painless...I’ll never change another tire myself again, as the cost of coverage is pennies!
State Farm Car Insurance review
We have had State Farm bundling everything since we were married 50 years ago. I think this insurance is as good as your agent. A good agent is an advocate for the client. I have never seen my current agent but she had a very competent & customer savvy front person. Since that person left after about 10 years, I am very disappointed. Nobody reviews my insurance or finds the discounts for us. I have to initiate and even when they are applied the rates still increase. I am thinking of looking at Shelter Insurance where the girl who was so customer friendly went. How often are the agents claiming credit that their staff deserves?
