Selecting a car insurance company is sometimes difficult: rates can fluctuate based on your driving record, location, and age, and companies offer an array of perks. Nationwide and safeco are two of the most popular insurers, providing high-quality coverage across many states.
In an effort to simplify the insurance-shopping process, we pulled average insurance rates from safeco and Nationwide. These rates cover a variety of rating factors, including credit, driving history, and age. Examine these figures and find an affordable policy today.
Want to learn more? Check out our full reviews of Nationwide and Safeco.
If you have very poor credit, Nationwide could be a better option for you. Typically, Nationwide offers cheaper premiums than safeco for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or higher — should lean toward Nationwide, which typically beats safeco by $618 per year. View average insurance costs by credit score for safeco and Nationwide below.
| Credit level | Nationwide avg. annual premium | safeco avg. annual premium |
| Very Poor (300-579) | $1,593 | $5,308 |
| Fair (580-669) | $1,262 | $2,716 |
| Good (670-739) | $1,283 | $1,967 |
| Very Good (740-799) | $1,109 | $1,871 |
| Exceptional (800-850) | $1,037 | $1,655 |
If you've got an at-fault crash, speeding ticket, reckless driving violation, or DUI on your driving record, Nationwide could be a better choice than safeco. Each insurer will handle driving offenses differently, so don't hesitate to shop around to find out which insurance company suits you.
| Citation | Nationwide avg. annual premium | safeco avg. annual premium |
| At-fault accident (damage < $1,000) | $1,836 | $2,546 |
| At-fault accident (damage > $1,000) | $1,475 | $1,969 |
| DUI/DWI | $2,691 | $2,796 |
| Reckless driving | $2,508 | $2,853 |
| Speeding ticket | $1,469 | $2,512 |
Auto insurance companies use age to outline potential risk, assigning rates accordingly. A car insurance policy is usually most expensive for drivers younger than 25 — due to their inexperience — and relatively affordable for older drivers. Because every auto insurance company prices ages uniquely, it's a smart move to shop around.
As a general rule, teen drivers should choose Nationwide over safeco: Nationwide offers average yearly savings of $4,141 versussafeco.
| Age tier | Nationwide avg. annual premium | safeco avg. annual premium |
| Teens | $3,624 | $7,765 |
| 20s | $1,582 | $2,566 |
| 30s | $1,163 | $2,566 |
| 40s | $1,151 | $2,128 |
| 50s | $1,114 | $1,745 |
| 60s | $1,028 | $1,687 |
Finances aside, Nationwide and safeco each carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
| Discount Comparison | Nationwide | 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 | Nationwide | Safeco |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Nationwide | Safeco |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Nationwide | Safeco |
|---|---|---|
| About | Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service. | Why customers love us: 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 a proud part of Liberty Mutual Insurance, a Fortune 100 company. Liberty Mutual is rated “A” by A.M. Best Company. |
| Roadside Assistance | Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home. | Safeco offers roadside assistance 24/7 as an option to your policy and includes coverage for towing, flat tire, battery service, fuel and fluids, and lockouts. |
| Additional Discounts | Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family. | Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7. |
| Recent Questions | 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. Will an insurance company tell me if someone has paid a loan off?Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle. I was rear-ended but the driver drove off before we exchanged informationThe safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information. If I hit an uninsured driver, can he go after me for damages?Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault. 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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| States Offered | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |