GEICO vs Safe Auto Car Insurance

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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 SuperiorGood
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

N/A

A+

Other ProductsGEICOSafe Auto
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Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
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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. 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 QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
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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.
Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.
If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.
Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.
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