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 | Above average | Below average |
| User Satisfaction | 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 |