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Choosing an auto insurer can be hard: rates can vary by driving history, age, and location, and insurers offer a variety of perks. Allstate and safeco are two of the most popular insurance companies, providing high-quality policies in most regions.
To help simplify the process of comparing insurance companies, we pulled typical insurance premiums from safeco and Allstate. These rates cover a number of rating factors, including credit score, driving record, and age. Take a look at these rates and find an affordable policy today.
If you have very poor credit, Allstate could be the way to go. On average, Allstate offers better rates than safeco for drivers with credit scores of less than 580. Those with outstanding credit — a score of 800 or better — should lean toward View average insurance rates by credit score for safeco and Allstate:
|Credit score||Allstate avg. annual premium||safeco avg. annual premium|
|Very Poor (300-579)||$3,117||$5,308|
|Very Good (740-799)||$1,820||$1,871|
If you are saddled with an at-fault crash, speeding ticket, reckless driving citation, or DUI offense on your résumé, safeco could be a better choice than Allstate. Each car insurance company enacts rate penalties differently, so don't hesitate to shop around to figure out which insurer is best for you.
|Citation||Allstate avg. annual premium||safeco avg. annual premium|
|At-fault accident (damage < $1,000)||$3,006||$2,546|
|At-fault accident (damage > $1,000)||$2,290||$1,969|
Insurance companies use a driver's age to estimate risk, assigning rates on a sliding scale. A car insurance policy is typically more expensive for beginning and young drivers — because of their inexperience — and more affordable for drivers aged 25 or older. Because each insurance company evaluates age brackets in a different way, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose Allstate over safeco: Allstate offers average yearly savings of $1,323 versussafeco.
|Age tier||Allstate avg. annual premium||safeco avg. annual premium|
Aside from finances, Allstate and safeco come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|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||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.||Why customers love Safeco: 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 proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company.|
|Roadside Assistance||Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.||Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.|
|Additional Discounts||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.||Safeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service.|
|Recent Questions||Can you make your child a permissive user in order to get a discount?|
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.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
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