Selecting a car insurance company is complex: rates vary based on your driving history, age, and location, and insurers offer a variety of perks. GEICO and safeco are among America's most popular insurance companies, providing competitively priced policies across large portions of the US.
To help simplify the insurance-shopping process, we've gathered average policy rates from safeco and GEICO. These take into consideration an array of rating factors, including credit score, driving history, and age. Compare rates and find the right policy for you.
Take a deep dive: Read our comprehensive reviews of GEICO and Safeco.
If you have very poor credit, GEICO could be a better option for you. On average, GEICO offers lower rates than safeco for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should opt for GEICO, which typically beats safeco by $591 per year. Check out average insurance rates by credit tier for safeco and GEICO below.
| Credit level | GEICO avg. annual premium | safeco avg. annual premium |
| Very Poor (300-579) | $2,051 | $5,308 |
| Fair (580-669) | $1,358 | $2,716 |
| Good (670-739) | $1,485 | $1,967 |
| Very Good (740-799) | $1,120 | $1,871 |
| Exceptional (800-850) | $1,064 | $1,655 |
If you are dealing with an at-fault collision, speeding ticket, reckless driving citation, or DUI in your rear view mirror, GEICO could be a better choice than safeco. Every car insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurer suits you.
| Violation | GEICO avg. annual premium | safeco avg. annual premium |
| At-fault accident (damage < $1,000) | $1,857 | $2,546 |
| At-fault accident (damage > $1,000) | $1,580 | $1,969 |
| DUI/DWI | $2,550 | $2,796 |
| Reckless driving | $2,238 | $2,853 |
| Speeding ticket | $1,395 | $2,512 |
Insurers use age as an indicator of potential risk, assigning rates accordingly. An auto insurance policy is usually most expensive for teens — due to their inexperience — and more affordable for middle-aged drivers. Because every insurance company prices ages in a different way, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose GEICO over safeco: GEICO offers average yearly savings of $4,257, compared to safeco.
| Age tier | GEICO avg. annual premium | safeco avg. annual premium |
| Teens | $3,508 | $7,765 |
| 20s | $1,438 | $2,566 |
| 30s | $1,218 | $2,566 |
| 40s | $1,189 | $2,128 |
| 50s | $1,160 | $1,745 |
| 60s | $1,065 | $1,687 |
Cost aside, GEICO and safeco come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | GEICO | Safeco |
|---|---|---|
| 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 Comparison | GEICO | Safeco |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | ||
| User Satisfaction | N/A | A+ |
| Other Products | GEICO | Safeco |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | GEICO | Safeco |
|---|---|---|
| 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. | Why customers love Safeco: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust: Safeco Insurance is proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company. |
| 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. | Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts. |
| Additional Discounts | GEICO offers an additional discount for vehicles with daytime running lights. Moreover, the company offers the policy feature of accident forgiveness. | 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 Questions | What 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. 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 | What can I do about fixing incorrect information on my driving record? It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history. If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing. Should I file a claim if my repair cost is $1,500?In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame. Can I put my insurance on hold due to temporary disability?Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future. See More Questions |
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