Erie vs. Safeco

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Erie or Safeco: Which Company is Best for You?

Choosing a car insurance company can be hard: rates can vary based on your location, age, and driving history, and insurers offer a variety of perks. Erie and safeco are among America's most popular car insurance companies, selling affordable coverage across most of the US.

In an effort to make shopping for car insurance easier, we gathered typical premiums from safeco and Erie. The below cover a variety of rating factors, including credit score, driving history, and age. Check out the below rates and find an affordable policy today.

Seeking more info? Check out our comprehensive reviews of Erie and Safeco.

 

Compare Erie vs. safeco auto insurance rates

 

Erie vs. safeco: pricing by credit score

If you have very poor credit, Erie could be a better option for you. On average, Erie offers cheaper rates than safeco for drivers with credit scores of lower than 580. Drivers with excellent credit — a score of 800-plus — should consider Erie, which typically beats safeco by $929 annually. Check out typical insurance rates by credit level for safeco and Erie below.

 
RATES BY CREDIT SCORE: safeco VS. Erie
Credit level Erie avg. annual premium safeco avg. annual premium
Very Poor (300-579) $2,402 $5,308
Fair (580-669) $1,040 $2,716
Good (670-739) $894 $1,967
Very Good (740-799) $743 $1,871
Exceptional (800-850) $726 $1,655
 

Erie vs. safeco: high-risk insurance rate comparison

If you're saddled with an at-fault accident, speeding ticket, reckless driving violation, or DUI offense on your résumé, Erie could be a better choice than safeco. Every insurance company will handle driving offenses differently, so don't hesitate to shop around to understand which insurance company suits you.

 
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: safeco VS. Erie
Violation Erie avg. annual premium safeco avg. annual premium
At-fault accident (damage < $1,000) $893 $2,546
At-fault accident (damage > $1,000) $772 $1,969
DUI/DWI $1,163 $2,796
Reckless driving $760 $2,853
Speeding ticket $747 $2,512
 

Erie vs. safeco: rates by age

Insurers rely on a driver's age as an indicator of potential risk, pricing premiums accordingly. Auto insurance is often expensive for teens — because of their inexperience — and most affordable for older drivers. Because every insurance company rates age brackets uniquely, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Erie over safeco: Erie offers average yearly savings of $5,527 versussafeco.

 
RATES BY AGE BRACKET: safeco VS. Erie
Age bracket Erie avg. annual premium safeco avg. annual premium
Teens $2,238 $7,765
20s $1,108 $2,566
30s $765 $2,566
40s $755 $2,128
50s $692 $1,745
60s $676 $1,687
 

Setting aside cost, Erie and safeco each carry pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount Comparison Erie Safeco
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 Comparison Erie Safeco
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon Excellent Average
User Satisfaction Question mark icon 4.5/5 4.5/5
Other Products Erie Safeco
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features Erie Safeco
About Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service. 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 Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown. 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 Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period. 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
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