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.

Credit level GEICO avg. annual premium Safe 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.

Violation GEICO avg. annual premium Safe 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.

Age tier GEICO avg. annual premium Safe 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 Comparison GEICO Safe Auto
Good Student supported supported
Multiple Policies supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported supported
Good Driver supported supported
Defensive Driver supported
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase
Pay in Full supported
Home Owner supported
eSign or ePay
New Vehicle
Annual Mileage
Military supported
Ratings Comparison GEICO Safe Auto
Financial Strength Question mark icon Superior N/A
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon 4.4/5 4.4/5
Other Products GEICO Safe Auto
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance supported
Renters Insurance supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features GEICO Safe Auto
About GEICO 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 Assistance You 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 Discounts GEICO 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 Questions Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive coverage, it should cover any damages caused by debris.
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.
Do I claim my stolen vehicle with Lyft or GEICO?
One of the companies should be covering you via your comprehensive coverage. Check out our page on Lyft's insurance requirements for more information.
Will a hit and run impact my car insurance premium in CA?
Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident.
See More Questions
Do I pay a deductible for a liability claim?
You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.
See More Questions
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