GEICO vs SAFECO Car Insurance

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GEICO or SAFECO:
Which Company is Best for You?

Choosing a car insurer can be tricky: rates can vary based on your driving record, age, and location, and every company's discounts differ. GEICO and SAFECO are two of the top insurance companies, providing affordable insurance policies across large portions of America.

In an effort to simplify the insurance-shopping process, we gathered average policy prices from SAFECO and GEICO. The below rates cover myriad pricing components, chief among which are credit history, driving infractions, and age. Examine these rates and find an affordable policy today.


GEICO vs. SAFECO: premium comparison


GEICO vs. SAFECO: prices by credit level

If you have very poor credit, GEICO could be the way to go. On average, GEICO offers lower rates than SAFECO for drivers with credit scores of lower than 580. Those with exceptional credit — a score of 800 or better — should lean toward GEICO, which typically beats SAFECO by $591 per year. View common insurance rates by credit tier for SAFECO and GEICO:


CREDIT SCORE INSURANCE RATE COMPARISON: SAFECO VS. GEICO
Credit scoreGEICO 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: rates for drivers with bad records

If you're dealing with an at-fault crash, speeding violation, reckless driving violation, or DWI in your recent history, GEICO could be a better choice than SAFECO. Each car insurance company will handle driving offenses differently, so don't be afraid to shop around to find out which insurer suits you.


RATES BY CITATION: 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

Insurance companies use a driver's age to outline risk potential, pricing policies on a sliding scale. Auto insurance is commonly most expensive for teens — because of their inexperience — and more affordable for middle-aged drivers. Because every auto insurance company evaluates age tiers differently, it's smart to shop around and find the perfect policy for you.

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


COMPARING AUTO INSURANCE RATES BY AGE: SAFECO VS. GEICO
AgeGEICO 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

Aside from affordability, GEICO and SAFECO come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

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
3 out of 5
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.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 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.
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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. 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 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
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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GEICO vs SAFECO

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