Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

GEICO vs. Safeco: Which company is best for you?

Both GEICO and Safeco enjoy widespread brand recognition and a large share of the auto insurance market, but which one is best for you? We've compared both companies to give you an idea of what you can expect as a customer. Read on to find out more.

GEICO car insurance

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon

5 Rating from The Zebra Question mark icon

GEICO has the second-largest share of the auto insurance market and is one of the most recognizable carriers in the country. The company generally receives good customer satisfaction ratings. Furthermore, GEICO is known for having some of the most affordable rates among major carriers. 

Pros Cons
  • Affordable rates for most
  • Wide-ranging coverage options
  • Great customer satisfaction scores
  • Lack of local agents                                          
Learn More

Safeco car insurance

100% filled Star icon 100% filled Star icon 100% filled Star icon 50.0% filled Star icon 0% filled Star icon

3.5 Rating from The Zebra Question mark icon

Safeco Insurance is a popular choice for many car insurance shoppers. As a subsidiary of Liberty Mutual, Safeco customers can enjoy a wide array of policy options and coverage levels. There are also many additional lines of insurance that may be bundled with auto policies, potentially allowing customers to streamline their insurance needs and even save money. Find out more about Safeco Insurance below.

Pros Cons
  • Numerous discount options
  • Rideshare coverage available (in some states)
  • Good bundling options
  • Less than stellar customer service history
  • High number of complaints (according to the NAIC)
  • Less appealing to customers who don't bundle coverage    

                                    

Learn more

Which company comes out on top?

GEICO


GEICO comes out on top in most categories, including customer satisfaction, coverage options, and price. These factors make GEICO a strong choice for most drivers.


GEICO vs. Safeco: car insurance rate comparison

Choosing a car insurance company can be tough: companies' rates differ by driving history, age and location. GEICO and Safeco are two of the most popular insurers, providing competitively priced policies in most states.

In an effort to simplify the comparison process, we've collected average rates from Safeco and GEICO. These rates cover a variety of pricing components, including credit rating, driving history, and age. Take a look at these rates to help you in your search for an affordable policy. Keep in mind, however, that your rates are likely to be different than our samples. 

Want to learn more? Read our full reviews of GEICO and Safeco.

Cheapest average rates
Cheapest average rates

Based on the rates below, GEICO offers lower premiums than Safeco on average. However, this can vary from person to person, so it's always a good idea to get quotes from many different insurers to see which policy is most affordable.


GEICO vs. Safeco: pricing by credit score

If you have very poor credit, GEICO could be the way to go. On average, GEICO offers more affordable rates than Safeco for drivers with credit scores of less than 580. Drivers with outstanding credit — a score of 800 or better — should consider GEICO as well, offering lower rates by $591. View common insurance rates by credit level for Safeco and GEICO below.

 

RATES BY CREDIT LEVEL: SAFECO VS. GEICO
Credit score 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

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

GEICO vs. Safeco: rates for high-risk drivers

If you're dealing with an at-fault collision, speeding ticket, reckless driving citation, or DWI on your driving résumé, GEICO could be a better choice than Safeco, though the rates are very similar to one another. Each insurer has different post-violation pricing structures, so it's worth comparing quotes to understand which insurer suits you.

 
RATES BY CITATION: SAFECO VS. GEICO
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

GEICO vs. Safeco: rates by age

Insurance companies use a driver's age as an estimator of risk, pricing premiums accordingly. An auto insurance policy is usually priciest for teen drivers — due to their increased odds of being involved in an accident — and more affordable for older drivers. Because every car insurance company prices age brackets differently, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose GEICO instead of Safeco: GEICO offers average yearly savings of $4,257, compared to Safeco.

 
RATES BY AGE: SAFECO VS. GEICO
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 $1,114
60s $1,065 $1,028

Costs aside, GEICO and Safeco both have pros and cons, including discount programs, customer satisfaction ratings, policy add-ons and financial stability. Be sure to get quotes and compare rates before making a decision.

Compare rates and start saving today!

or
Location pin icon
No junk mail. No spam calls. Free quotes.

Ratings comparison: GEICO vs. Safeco

When looking for a new auto policy, prices aren't the only thing to compare. Good scores from customers and third-party rating agencies can help you find an insurance company that provides good rates and great customer service. To help, we've found a variety of ratings for both GEICO and Safeco to help you determine each company's customer satisfaction level, number of complaints and fiscal security outlook.

GEICO vs. Safeco
Ratings comparison GEICO Safeco
Financial strength (A.M. Best) Superior Excellent
JD Power (claims satisfaction) Average Average
JD Power (customer satisfaction) Average Average
NAIC rating Average Below Average
The Zebra's editorial review score 5/5 3.5/5
The Zebra's Customer Satisfaction Survey 4.4/5 N/A

Which company scores best?

GEICO


GEICO scores higher than Safeco in most areas, including The Zebra's own editorial review and our annual Customer Satisfaction Survey, which you can see in more detail below.


The Zebra's Customer Satisfaction Survey

The Zebra conducted a survey to get a sense of which major car insurance providers are viewed by their customers. Safeco did not meet the criteria to be included in this survey, but you can see how customers viewed their experiences with GEICO below.

ZCSS logo
GEICO

GEICO came in fourth place overall with a score of 4.4. Below are some highlights from the survey.

  • GEICO placed first for Online Satisfaction (website and apps)
  • Scored well for Customer Service and Willingness to Recommend
  • Viewed most favorably by drivers in the Boomer generation

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


GEICO vs. Safeco: discount comparison

Car insurance discounts can help you save big on your insurance premiums. Take a look at how discounts from GEICO and Safeco stack up below.

GEICO vs. Safeco: discount comparison
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

In addition to the discounts above, GEICO also offers a senior citizen discount to qualifying drivers. If unsure, ask a representative about which discounts for which you may qualify. 


Telematics options: GEICO vs. Safeco

GEICO and Safeco both offer telematics car insurance programs that can be beneficial to certain types of drivers. Have a look at the comparison below to see if one stands out as a better option for your insurance needs.

GEICO logo
GEICO DriveEasy

GEICO Drive Easy Pro is an app that tracks your driving habits to better assess your level of risk. For safe drivers, this can sometimes result in cheaper rates. Currently, the app is rated on app stores at 3.5 out of 5 stars (both Google Play and the Apple Store).

Safeco RightTrack
Safeco RightTrack®

Safeco RightTrack® allows customers to choose either a plug-in device or an app to monitor your driving for 90 days. The company claims that safe drivers may be eligible for savings between 5 and 30%, though no savings are guaranteed.

Zebra tip: Explore both companies for telematics offerings


If you are a safe driver, the telematics options from both companies could be a great way to find savings. While GEICO boasts great online reviews overall, their telematics app suffers lower scores across multiple platforms. 


Roadside assistance: GEICO vs. Safeco

No one wants to be caught on the side of the road after a breakdown. Check out the different roadside assistance packages offered by both GEICO and Safeco below.

GEICO

GEICO's roadside assistance offers the following:

  • Towing
  • Jump starts
  • Tire changes (when you have a spare)
  • Up to $100 for lockout services
  • Fuel delivery
  • Winching for stuck vehicles (depending on severity)

 

Safeco

Safeco offers and optional roadside assistance package that is on par with most other major carriers. Roadside assistance can be requested through the company's mobile app or by calling 1-877-762-3101. Drivers who choose to add roadside assistance from Safeco can expect the following services:

  • Towing
  • Battery jump start
  • Fuel and fluids
  • Flat-tire change
  • Lock-out services
tow truck

GEICO vs. Safeco: home insurance

While both companies are major providers of auto insurance,neither GEICO nor Safeco offers particularly robust homeowners insurance coverage options — at least not when compared to the top-rated homeowners insurers. Still, most customers will likely find each company's coverage options suitable for most needs. Compare ratings for each company below.

GEICO homeowners insurance review

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon

4 Rating from The Zebra Question mark icon

While not as large a portion of its business as auto insurance, homeowners coverage remains an important part of GEICO's product offerings. The company partners with many insurers throughout the nation to provide home insurance. Still, customer service scores and third-party ratings remain high. 

  • The Zebra Customer Satisfaction Survey – 4.4/5: GEICO's home insurance coverage earned a relatively high score in The Zebra's 2021 customer satisfaction survey.
  • Claims satisfaction (J.D. Power) – Not rated 
  • Customer satisfaction (J.D. Power) – Not rated 
  • Financial strength (AM Best) – Superior: GEICO received an 'A' rating from AM Best, underlining its solid financial standing. 
  • NAIC Rating – Excellent: The National Association of Insurance Commissioners (NAIC) received fewer customer complaints than average regarding GEICO homeowners insurance in 2020.
Learn more

Safeco homeowners review

100% filled Star icon 100% filled Star icon 100% filled Star icon 50.0% filled Star icon 0% filled Star icon

3.5 Rating from The Zebra Question mark icon

In general, Safeco provides good homeowners insurance coverage at relatively affordable rates. The company offers all of the basic coverage types one would expect, plus additional options for valuable items and equipment breakdowns. The company tends to be among the cheapest home insurance providers, which could certainly be appealing for some. However, customer satisfaction scores remain below average, meaning that customers looking for a high level of service may be disappointed.

  • The Zebra Customer Satisfaction Survey — N/A: Safeco was not included in The Zebra's homeowners insurance customer survey. 
  • Customer satisfaction (J.D. Power) — Average: Safeco customers expressed average levels of satisfaction, according to J.D. Power's 2021 study. 
  • Financial strength — Excellent: Safeco's excellent financial strength — tracked by AM Best — indicates a strong ability to pay out claims.
  • NAIC rating — Poor: The National Association of Insurance Commissioners (NAIC) received more complaints than average regarding Safeco in 2020.
Learn more

Which company comes out on top?

Tie


Both GEICO and Safeco can pair customers with good homeowners policies. Because GEICO doesn't actually underwrite their own policies, it's harder to rate them higher than Safeco. GEICO excels in third-party scores but Safeco offers affordable rates and optional add-ons.  For these reasons, we feel that both companies are worth exploring for homeowners insurance.


GEICO vs. Safeco: home insurance rate comparison

Safeco's average annual homeowners insurance rate is $1,236. Because GEICO does not underwrite its own homeowners policies, it's more difficult to provide accurate rate data.

Your individual rates are likely to vary from one company to another. This is because companies have different methods for underwriting. Your rates are highly dependent upon both where you live and your individual profile, and each company will place a different weight upon factors such as area crime, proximity to fire-fighting services and the age of your home. For this reason, it's highly recommended that you shop for homeowners quotes from a number of different sources, as this will likely lead you to the best rate.

Cheapest average rates
Cheapest average rates

Based on the data we have available, Safeco has the cheapest home insurance rates at around $108 per month.

Homeowners insurance data methodology

The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.


GEICO vs. Safeco: homeowners discount comparison

As with car insurance, home insurance discounts can be a great way for eligible policyholders to enjoy additional savings. While both GEICO and Safeco offer homeowners discounts, neither are particularly wide-ranging. Still, as the companies tend to have more affordable rates in general, this may be less of a drawback than with other insurers. See how these discounts compare below.

GEICO VS. SAFECO: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison GEICO Safeco
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc...)
Paid in full
Early signing
Auto pay
Gated community
New home construction
Smart home

It's important to note that there may be more options for discounts through GEICO's partner companies. 

Zebra tip: Check out Safeco if you are seeking home insurance discounts


Neither company offers a particularly robust list of discount options, but Safeco secures the win in this category by offering one more discount opportunity than GEICO.


Other insurance products and bundling options

GEICO and Safeco both have options for bundling multiple policy types. Bundling policies can lead to savings in many cases. See our table below for a side-by-side comparison.

GIECO VS. SAFECO: Other insurance products
Other products GEICO Safeco
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
Offroad vehicles and ATVs

Find the best insurance policy for your needs.

or
Location pin icon
No junk mail. No spam calls. Free quotes.

RECENT 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.
Nov 11, 2019 Rockledge, FL

What's the ADOT code for Nationwide

The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
Jul 30, 2018 Lake Havasus City, AZ

Renata Balasco photo
Renata BalascoContent Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist. Her expertise in property and casualty insurance informs her work in creating expert home and auto insurance guides to educate shoppers. 

Renata previously worked as a content specialist for Lifespan, the largest hospital system in the state of Rhode Island. She holds a bachelor’s degree in French Language and Communications from The University of Rhode Island.

Renata's work has been cited by Car and Driver, The Balance and Fox Business

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.