Choosing a car insurance company is sometimes difficult: every company's rates differ based on your location, age, and driving history, and every company's discounts vary. Erie and SAFECO are among the US' most popular car insurance companies, offering high-quality insurance policies in most regions.
In an effort to make insurance shopping seamless, we have gathered average rates from SAFECO and Erie. These take into consideration a number of rating factors, including credit quality, driving behavior, and age. Take a look at these rates and find the right policy for you.
If you have extremely bad credit, Erie could be a better option for you. Typically, Erie offers more affordable rates than SAFECO for prospective clients with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should consider Erie, which typically beats SAFECO by $929 annually. View common insurance rates by credit score for SAFECO and Erie below.
|Credit level||Erie avg. annual premium||SAFECO avg. annual premium|
|Very Poor (300-579)||$2,402||$5,308|
|Very Good (740-799)||$743||$1,871|
If you're carrying an at-fault accident, speeding ticket, reckless driving violation, or DUI in your rear view mirror, Erie could be a better choice than SAFECO. Every insurance company prices policies differently after a violation, so don't be afraid to shop around to figure out which insurance company suits you.
|Violation||Erie avg. annual premium||SAFECO avg. annual premium|
|At-fault accident (damage < $1,000)||$893||$2,546|
|At-fault accident (damage > $1,000)||$772||$1,969|
Car insurance companies rely on age to indicate risk, pricing premiums on a sliding scale. A car insurance policy is typically more expensive for teen drivers — thanks to their inexperience — and most affordable for older drivers. Because every insurance company rates age brackets uniquely, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose Erie over SAFECO: Erie offers average yearly savings of $5,527, compared to SAFECO.
|Age tier||Erie avg. annual premium||SAFECO avg. annual premium|
Finances aside, Erie and SAFECO each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||5 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service.||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||Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown.||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||Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period.||Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7.|
|Recent Questions||Will Erie reinstate my policy after non-payment?|
I was injured in a car accident two months ago, can I still file a claim?
I have had Erie for 31 years..2 home owners and also auto...
How long can an insurance company wait to pay out your claim?
I was rear ended and didn’t go to the hospital. That was two months ago. Now I can barely walk. ...
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
In Virginia, is there a time limit on how long after a car accident an insurance company can wait to ...
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Someone dented the hood of my car by standing on it. I got a repair estimate of $500 and the ...
|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 ...
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I am going on disability for about 4 months. The disability check is not enough to pay for my car ...
|Compare More||Erie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. GEICO Erie vs. Infinity Erie vs. Liberty Mutual Erie vs. Mercury Erie vs. MetLife Erie vs. Nationwide Erie vs. North Star Mutual Erie vs. Progressive Erie vs. Safe Auto Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA||SAFECO vs. 21st Century SAFECO vs. Allied SAFECO vs. Allstate SAFECO vs. American Family SAFECO vs. Amica Mutual Insurance SAFECO vs. Auto Club (AAA) 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||Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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