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.

Credit levelErie avg. annual premiumsafeco 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.

ViolationErie avg. annual premiumsafeco avg. annual premium
At-fault accident (damage < $1,000)$893$2,546
At-fault accident (damage > $1,000)$772$1,969
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.

Age bracketErie avg. annual premiumsafeco avg. annual premium

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 ComparisonErieSafeco
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 ComparisonErieSafeco
Financial Strength SuperiorExcellent
JD Power Rankings Above averageBelow average
User Satisfaction 4.5/54.5/5
Other ProductsErieSafeco
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesErieSafeco
Roadside Assistance
Additional DiscountsErie 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 QuestionsWill 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.
See More Questions
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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