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 rearview 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 | Above average | Below average |
| User Satisfaction | 4.4/5 | 4.4/5 |
| 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 as well as discounts for federal employees. 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 | I 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 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 |
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