Selecting a car insurance company can be difficult: companies' rates may vary by location, vehicle, and driving record, and every company's discounts differ. Auto Club (AAA) and SAFECO are two of the US' most popular insurance companies, offering competitively priced policies in most regions.
To simplify the comparison process, we gathered average insurance rates from SAFECO and Auto Club (AAA). These take into account a variety of rating factors, including credit history, driving infractions, and demographics. Examine these rates and find the perfect policy for you.
If you have very poor credit, SAFECO could be the best option for you. On average, SAFECO offers cheaper rates than Auto Club (AAA) for drivers with credit scores of lower than 580. Those with extraordinary credit — a score of 800-plus — should lean toward Check out typical insurance rates by credit level for SAFECO and Auto Club (AAA) below.
|Credit level||Auto Club (AAA) avg. annual premium||SAFECO avg. annual premium|
|Very Poor (300-579)||$6,569||$5,308|
|Very Good (740-799)||$3,004||$1,871|
If you are dealing with an at-fault collision, speeding ticket, reckless driving citation, or DUI in your recent history, SAFECO could be a better choice than Auto Club (AAA). Every insurance company enacts rate penalties differently, so don't hesitate to shop around to figure out which insurer suits you.
|Infraction||Auto Club (AAA) avg. annual premium||SAFECO avg. annual premium|
|At-fault accident (damage < $1,000)||$4,078||$2,546|
|At-fault accident (damage > $1,000)||$4,002||$1,969|
Auto insurance companies use age to indicate risk, pricing premiums accordingly. An insurance policy is typically more expensive for beginning and young drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company evaluates age tiers differently, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose SAFECO before Auto Club (AAA): the former's average annual rates are $2,491 less than the latter's..
|Age bracket||Auto Club (AAA) avg. annual premium||SAFECO avg. annual premium|
Aside from finances, Auto Club (AAA) and SAFECO each come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Auto Club (AAA)||SAFECO|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Auto Club (AAA)||SAFECO|
|JD Power Rankings||2 out of 5||3 out of 5|
|Other Products||Auto Club (AAA)||SAFECO|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Auto Club (AAA)||SAFECO|
|About||Auto Club provides its customers with customizable payment options, competitive rates and excellent features.||At Safeco Insurance, we promise to make it easy for you, to provide the coverage you need, to connect you with local agents who offer personal advice, and most important of all - to be there for you when you need us most. When you have a claim, we take care of it. It’s that simple. We’re backed by the financial strength of Liberty Mutual Insurance, ranked on the Fortune 100 list of the largest U.S. corporations. Trust Safeco with your auto investment, today!|
|Roadside Assistance||AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.||Safeco offers roadside assistance 24/7 as an option to your policy and includes coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.|
|Additional Discounts||AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.||Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7.|
|Recent Questions||Does roadside assistance cover people not on your policy|
Customer service for AAA roadside assistance only versus AAA auto insurance?
How can I get roadside insurance coverage that covers anyone who drives my car? Cover the car, any driver, not ...
What do I do if my vehicle was totaled while parked?
Is someone who has AAA Roadside assistance with AAA as valuable to AAA as someone who has automobile insurance through ...
What steps do I need to take to gift a car to my son in Texas?
My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...
See More Questions
I am in the process of giving my son a 1999 Lincoln Towncar. What do we need to do to ...
|What can I do about fixing incorrect information on my driving record?|
If my teenager rear ended another car but we aren’t filing a claim, will my insurance rate go up?
I called to get an insurance quote to see if I could get a lower rate and was told there ...
Should I file a claim if my repair cost is $1,500?
My daughter hit a car at a red light. The vehicle is worth less than a $1,000, but we are ...
Can I put my insurance on hold due to temporary disability?
I made a left turn with the flow of traffic and hit a dip; breaking my front suspension on my ...
See More Questions
I am going on disability for about 4 months. The disability check is not enough to pay for my car ...
|Compare More||Auto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA||SAFECO vs. 21st Century SAFECO vs. Allied SAFECO vs. Allstate SAFECO vs. American Family SAFECO vs. Amica Mutual Insurance SAFECO vs. Erie SAFECO vs. Esurance SAFECO vs. Farmers SAFECO vs. Foremost SAFECO vs. GEICO SAFECO vs. Infinity SAFECO vs. Mercury SAFECO vs. MetLife SAFECO vs. Nationwide SAFECO vs. Progressive SAFECO vs. Safe Auto SAFECO vs. State Farm SAFECO vs. The General SAFECO vs. The Hartford SAFECO vs. Titan SAFECO vs. Travelers SAFECO vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...