GEICO vs. Safe Auto

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GEICO or Safe Auto:
Which Company is Best for You?

Selecting a car insurance company is sometimes difficult: rates can vary by driving record, location, and age, and companies offer an array of perks. GEICO and Safe Auto are two of the most popular insurance companies, offering competitively priced policies in most American states.

To help simplify the process of comparing insurance companies, we pulled average costs from Safe Auto and GEICO. These take into consideration a number of pricing components, including credit history, driving history, and age. Examine these figures and find an affordable policy today.

Take a deep dive: Read our full reviews of GEICO and Safe Auto.

 

Comparing car insurance rates: GEICO vs. Safe Auto

 

GEICO vs. Safe Auto: premiums by credit level

If you have very poor credit, GEICO could be the way to go. On average, GEICO offers cheaper prices than Safe Auto for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should lean toward GEICO, which typically beats Safe Auto by $857 per year. Check out typical insurance costs by credit score for Safe Auto and GEICO below.

 
RATES BY CREDIT SCORE: SAFE AUTO VS. GEICO
Credit levelGEICO avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$2,051$3,799
Fair (580-669)$1,358$2,483
Good (670-739)$1,485$3,358
Very Good (740-799)$1,120$1,937
Exceptional (800-850)$1,064$1,921
 

GEICO vs. Safe Auto: rates for drivers with bad records

If you are dealing with an at-fault crash, ticket, reckless driving citation, or DWI on your record, GEICO could be a better choice than Safe Auto. Every insurance company has different post-violation pricing structures, so don't be afraid to shop around to understand which insurer is best for you.

 
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Safe Auto VS. GEICO
ViolationGEICO avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$1,857$2,867
At-fault accident (damage > $1,000)$1,580$2,837
DUI/DWI$2,550$2,867
Reckless driving$2,238$2,867
Speeding ticket$1,395$2,738
 

GEICO vs. Safe Auto: rates by age

Insurers use a driver's age to estimate risk, pricing premiums accordingly. Auto insurance is usually more expensive for teen drivers — because of their inexperience — and relatively affordable for older drivers. Since every insurance company evaluates ages differently, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose GEICO instead of Safe Auto: GEICO offers average yearly savings of $4,754, compared to Safe Auto.

 
COMPARING AUTO INSURANCE RATES BY AGE: Safe Auto VS. GEICO
Age tierGEICO avg. annual premiumSafe Auto avg. annual premium
Teens$3,508$8,262
20s$1,438$2,764
30s$1,218$2,764
40s$1,189$2,053
50s$1,160$1,862
60s$1,065$1,707
 

Cost aside, GEICO and Safe Auto each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonGEICOSafe Auto
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 ComparisonGEICOSafe Auto
Financial Strength SuperiorN/A
JD Power Rankings Above averageN/A
User Satisfaction 4.4/54.4/5
Other ProductsGEICOSafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOSafe Auto
AboutGEICO uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
Roadside AssistanceYou can use a mobile app to request service from GEICO's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional DiscountsGEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness.Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
Recent QuestionsI made two claims last year. Should I file a third?
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.
Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
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
Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Do I pay a deductible for a liability claim?
You are not responsible for a&nbsp;deductible&nbsp;unless you have&nbsp;comprehensive&nbsp;and&nbsp;collision&nbsp;coverage. Since you only have&nbsp;liability, the damages to your car will not be covered which means there is no&nbsp;deductible.
See More Questions
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