Allstate vs. Safeco

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Allstate or Safeco:
Which Company is Best for You?

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.

Seeking more info? Check out our full reviews of Allstate and Safeco.


Allstate vs. safeco: insurance rate comparison


Allstate vs. safeco: pricing by credit score

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 scoreAllstate avg. annual premiumsafeco avg. annual premium
Very Poor (300-579)$3,117$5,308
Fair (580-669)$2,162$2,716
Good (670-739)$2,021$1,967
Very Good (740-799)$1,820$1,871
Exceptional (800-850)$1,743$1,655

Allstate vs. safeco: rates for drivers with bad records

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.

RATES BY VIOLATION: safeco VS. Allstate
CitationAllstate avg. annual premiumsafeco avg. annual premium
At-fault accident (damage < $1,000)$3,006$2,546
At-fault accident (damage > $1,000)$2,290$1,969
Reckless driving$3,388$2,853
Speeding ticket$2,256$2,512

Allstate vs. safeco: rates by age

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.

RATES BY AGE: safeco VS. Allstate
Age tierAllstate avg. annual premiumsafeco 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.

Discount ComparisonAllstateSafeco
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
New Vehicle
Annual Mileage
Ratings ComparisonAllstateSafeco
Financial Strength ExcellentExcellent
JD Power Rankings AverageBelow average
User Satisfaction 4.3/54.3/5
Other ProductsAllstateSafeco
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAllstateSafeco
AboutInsurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today.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 AssistanceAllstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional DiscountsAllstate 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 QuestionsCan 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.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies.
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Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
See More Questions
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