Selecting an auto insurance company can be hard: companies' rates may vary by location, vehicle, and driving record, and every company's discounts vary. Progressive and safeco are two of America's top car insurance companies, offering competitively priced insurance policies across large portions of America.
In an effort to simplify the insurance-shopping process, we've collected average insurance rates from safeco and Progressive. These take into account a number of rating factors, including credit, driving history, and age. Check out the below rates and find an affordable policy today.
If you have very poor credit, Progressive could be a better option for you. On average, Progressive offers lower rates than safeco for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800-plus — should consider Progressive, which typically beats safeco by $335 annually. View common insurance rates by credit level for safeco and Progressive:
|Credit level||Progressive avg. annual premium||safeco avg. annual premium|
|Very Poor (300-579)||$3,602||$5,308|
|Very Good (740-799)||$1,453||$1,871|
If you are saddled with an at-fault collision, ticket, reckless driving violation, or DUI in your rear view mirror, safeco could be a better choice than Progressive. Every car insurance company has different post-violation pricing structures, so don't be afraid to shop around to figure out which insurance company suits you.
|Violation||Progressive avg. annual premium||safeco avg. annual premium|
|At-fault accident (damage < $1,000)||$2,720||$2,546|
|At-fault accident (damage > $1,000)||$2,245||$1,969|
Auto insurance companies rely on a driver's age to outline risk potential, assigning rates accordingly. A car insurance policy is typically expensive for drivers younger than 25 — due to their inexperience — and more affordable for older drivers. Because every auto insurance company rates age brackets uniquely, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose safeco over Progressive: the former's average annual rates are $483 less than the latter's..
|Age bracket||Progressive avg. annual premium||safeco avg. annual premium|
Affordability aside, Progressive and safeco each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
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|About||Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you.||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||Progressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.||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||Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.||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||Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?|
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.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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