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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.
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.
| 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 |
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.
| 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 |
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.
| 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 | Superior | Excellent |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| 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 | Will Erie reinstate my policy after non-payment? It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again. I was injured in a car accident two months ago, can I still file a claim?The statute of limitations for filing a bodily injury claim in North Carolina is 3 years. So you are still within your legal time frame to file a claim even though your car's claim was completed. How long can an insurance company wait to pay out your claim?Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout. If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report. 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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