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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|
|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.||Why customers love us: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust - Safeco Insurance is a proud part of Liberty Mutual Insurance, a Fortune 100 company. Liberty Mutual is rated “A” by A.M. Best Company.|
|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||Can I bundle my renters and new car insurance?|
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.See More Questions
|What can I do about fixing incorrect information on my driving record?|
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.See More Questions
|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. Farm Bureau Mutual 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. North Star Mutual 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. Farm Bureau Mutual Safeco vs. Farmers Safeco vs. Foremost Safeco vs. GEICO Safeco vs. Infinity Safeco vs. Mercury Safeco vs. MetLife Safeco vs. Nationwide Safeco vs. North Star Mutual 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|
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