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.
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|
|Very Good (740-799)||$1,120||$1,937|
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|
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|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||GEICO||Safe Auto|
|JD Power Rankings||Average||N/A|
|Other Products||GEICO||Safe Auto|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|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.|
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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