Allstate vs SAFECO Car Insurance

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Allstate or Safeco:
Which Company is Best for You?

Choosing an auto insurer can be hard: rates can vary by driving history, age, and location, and insurers offer a variety of perks. Allstate and safeco are two of the most popular insurance companies, providing high-quality policies in most regions.

To help simplify the process of comparing insurance companies, we pulled typical insurance premiums from safeco and Allstate. These rates cover a number of rating factors, including credit score, driving record, and age. Take a look at these rates and find an affordable policy today.

Seeking more info? Check out our full reviews of Allstate and Safeco.


Allstate vs. safeco: insurance rate comparison


Allstate vs. safeco: pricing by credit score

If you have very poor credit, Allstate could be the way to go. On average, Allstate offers better rates than safeco for drivers with credit scores of less than 580. Those with outstanding credit — a score of 800 or better — should lean toward View average insurance rates by credit score for safeco and Allstate:


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: safeco VS. Allstate
Credit scoreAllstate avg. annual premiumsafeco avg. annual premium
Very Poor (300-579)$3,117$5,308
Fair (580-669)$2,162$2,716
Good (670-739)$2,021$1,967
Very Good (740-799)$1,820$1,871
Exceptional (800-850)$1,743$1,655

Allstate vs. safeco: rates for drivers with bad records

If you are saddled with an at-fault crash, speeding ticket, reckless driving citation, or DUI offense on your résumé, safeco could be a better choice than Allstate. Each car insurance company enacts rate penalties differently, so don't hesitate to shop around to figure out which insurer is best for you.


RATES BY VIOLATION: safeco VS. Allstate
CitationAllstate avg. annual premiumsafeco avg. annual premium
At-fault accident (damage < $1,000)$3,006$2,546
At-fault accident (damage > $1,000)$2,290$1,969
DUI/DWI$3,637$2,796
Reckless driving$3,388$2,853
Speeding ticket$2,256$2,512

Allstate vs. safeco: rates by age

Insurance companies use a driver's age to estimate risk, assigning rates on a sliding scale. A car insurance policy is typically more expensive for beginning and young drivers — because of their inexperience — and more affordable for drivers aged 25 or older. Because each insurance company evaluates age brackets in a different way, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose Allstate over safeco: Allstate offers average yearly savings of $1,323 versussafeco.


RATES BY AGE: safeco VS. Allstate
Age tierAllstate avg. annual premiumsafeco avg. annual premium
Teens$6,442$7,765
20s$2,636$2,566
30s$1,920$2,566
40s$1,912$2,128
50s$1,893$1,745
60s$1,768$1,687

Aside from finances, Allstate and safeco come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonAllstateSafeco
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAllstateSafeco
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsAllstateSafeco
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAllstateSafeco
AboutAllstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.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 AssistanceEvery Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.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 DiscountsAllstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7.
Recent QuestionsDo I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.
Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.
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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
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Allstate vs SAFECO

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