GEICO vs SAFECO Car Insurance

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GEICO or Safeco:
Which Company is Best for You?

Selecting a car insurance company is complex: rates vary based on your driving history, age, and location, and insurers offer a variety of perks. GEICO and safeco are among America's most popular insurance companies, providing competitively priced policies across large portions of the US.

To help simplify the insurance-shopping process, we've gathered average policy rates from safeco and GEICO. These take into consideration an array of rating factors, including credit score, driving history, and age. Compare rates and find the right policy for you.

Take a deep dive: Read our comprehensive reviews of GEICO and Safeco.


Compare GEICO vs. safeco auto insurance rates


GEICO vs. safeco: by credit level

If you have very poor credit, GEICO could be a better option for you. On average, GEICO offers lower rates than safeco for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should opt for GEICO, which typically beats safeco by $591 per year. Check out average insurance rates by credit tier for safeco and GEICO below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: safeco VS. GEICO
Credit levelGEICO avg. annual premiumsafeco avg. annual premium
Very Poor (300-579)$2,051$5,308
Fair (580-669)$1,358$2,716
Good (670-739)$1,485$1,967
Very Good (740-799)$1,120$1,871
Exceptional (800-850)$1,064$1,655

GEICO vs. safeco: costs for high-risk drivers

If you are dealing with an at-fault collision, speeding ticket, reckless driving citation, or DUI in your rear view mirror, GEICO could be a better choice than safeco. Every car insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: safeco VS. GEICO
ViolationGEICO avg. annual premiumsafeco avg. annual premium
At-fault accident (damage < $1,000)$1,857$2,546
At-fault accident (damage > $1,000)$1,580$1,969
DUI/DWI$2,550$2,796
Reckless driving$2,238$2,853
Speeding ticket$1,395$2,512

GEICO vs. safeco: rates by age

Insurers use age as an indicator of potential risk, assigning rates accordingly. An auto insurance policy is usually most expensive for teens — due to their inexperience — and more affordable for middle-aged drivers. Because every insurance company prices ages in a different way, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose GEICO over safeco: GEICO offers average yearly savings of $4,257, compared to safeco.


RATES BY AGE: safeco VS. GEICO
Age tierGEICO avg. annual premiumsafeco avg. annual premium
Teens$3,508$7,765
20s$1,438$2,566
30s$1,218$2,566
40s$1,189$2,128
50s$1,160$1,745
60s$1,065$1,687

Cost aside, GEICO and safeco come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonGEICOSafeco
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 ComparisonGEICOSafeco
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

N/A

A+

Other ProductsGEICOSafeco
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOSafeco
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.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 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.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 DiscountsGeico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7.
Recent QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
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 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. Farm Bureau Mutual 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. North Star Mutual GEICO vs. Progressive GEICO vs. Root Insurance GEICO vs. Safe Auto GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAASafeco 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. Erie Safeco vs. Esurance Safeco vs. Farm Bureau Mutual Safeco vs. Farmers Safeco vs. Foremost 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
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GEICO vs SAFECO

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