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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.
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||GEICO avg. annual premium||SAFECO avg. annual premium|
|Very Poor (300-579)||$2,051||$5,308|
|Very Good (740-799)||$1,120||$1,871|
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.
|Violation||GEICO avg. annual premium||SAFECO avg. annual premium|
|At-fault accident (damage < $1,000)||$1,857||$2,546|
|At-fault accident (damage > $1,000)||$1,580||$1,969|
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.
|Age||GEICO avg. annual premium||SAFECO avg. annual premium|
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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Geico 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 Assistance||You 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 Discounts||Geico 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.|
|Compare More||GEICO 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. 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. 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 Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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