Erie vs Safeco: Which is Better 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.

Erie vs. Safeco: by credit level

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.

INSURER 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: by citation

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.

INSURER RATES BY VIOLATION: 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: 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.

INSURER RATES BY AGE: 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.