GEICO vs Safe Auto Car Insurance

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GEICO or Safe Auto:
Which Company is Best for You?

Choosing an auto insurance company can be difficult: rates can vary based on your driving history, location, and age, and companies offer an array of perks. GEICO and Safe Auto are two of the nation's top insurance companies, selling affordable insurance policies across most of the US.

In an effort to make shopping for car insurance easier, we've gathered average insurance premiums from Safe Auto and GEICO. These cover a number of pricing factors, including credit rating, driving history, and age. Compare rates and find your next car insurance policy today.


GEICO vs. Safe Auto: insurance rate comparison


GEICO vs. Safe Auto: pricing by credit score

If you have very poor credit, GEICO could be preferable to GEICO. On average, GEICO offers cheaper rates than Safe Auto for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800-plus — should lean toward GEICO, which typically beats Safe Auto by $857 annually. View average insurance rates by credit tier for Safe Auto and GEICO below.


RATES BY CREDIT SCORE: Safe Auto VS. GEICO
Credit levelGEICO avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$2,051$3,799
Fair (580-669)$1,358$2,483
Good (670-739)$1,485$3,358
Very Good (740-799)$1,120$1,937
Exceptional (800-850)$1,064$1,921

GEICO vs. Safe Auto: costs for high-risk drivers

If you are carrying an at-fault collision, speeding ticket, reckless driving citation, or DUI offense on your résumé, GEICO could be a better choice than Safe Auto. Every insurer enacts rate penalties differently, so it's worth comparing quotes to find out which insurance company suits you.


RATES BY VIOLATION: Safe Auto VS. GEICO
InfractionGEICO avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$1,857$2,867
At-fault accident (damage > $1,000)$1,580$2,837
DUI/DWI$2,550$2,867
Reckless driving$2,238$2,867
Speeding ticket$1,395$2,738

GEICO vs. Safe Auto: rates by age

Insurance companies rely on a driver's age as an estimator of risk, pricing premiums accordingly. An insurance policy is typically expensive for teen drivers — due to their inexperience — and more affordable for drivers aged 25 or older. Since every insurance company rates ages differently, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose GEICO instead of Safe Auto: GEICO offers average yearly savings of $4,754, compared to Safe Auto.


AGE BRACKET INSURANCE RATE COMPARISON: Safe Auto VS. GEICO
AgeGEICO avg. annual premiumSafe Auto avg. annual premium
Teens$3,508$8,262
20s$1,438$2,764
30s$1,218$2,764
40s$1,189$2,053
50s$1,160$1,862
60s$1,065$1,707

Costs aside, GEICO and Safe Auto both have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonGEICOSafe Auto
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 ComparisonGEICOSafe Auto
Financial Strength SuperiorGood
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

N/A

A+

Other ProductsGEICOSafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOSafe Auto
AboutGeico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.At SafeAuto, we strive to provide caring and professional customer service 24/7, and to help make insurance affordable to every driver, no matter the situation. We provide you flexibility to access your accounts and make payments online, by phone, or through our mobile app. We offer convenience through our hassle-free automatic payments and immediate proof of insurance when you insure with us.
Roadside AssistanceYou can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional DiscountsGeico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
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Compare MoreGEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Erie GEICO vs. Esurance GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. Progressive GEICO vs. Root GEICO vs. SAFECO GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAASafe Auto vs. 21st Century Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. Progressive Safe Auto vs. SAFECO Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia
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GEICO vs Safe Auto

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