Selecting a car insurance company can be tough: the rates each insurer offers can vary widely based on your driving history, location, and age, and every company provides a different set of discounts. Safeco and Safe Auto are two of America's most popular insurance companies, offering competitively priced insurance policies in many states.
To make shopping for car insurance easier, we gathered average rates from Safe Auto and Safeco. The below rates cover a variety of pricing factors, including credit quality, driving history, and demographics. Check out the below rates and find an affordable policy today.
If you have very poor credit, Safe Auto could be preferable to Safeco. On average, Safe Auto offers better 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 Safeco, which typically beats Safe Auto by $266 per year. View common insurance rates by credit score for Safe Auto and Safeco below.
|Credit level||Safeco avg. annual premium||Safe Auto avg. annual premium|
|Very Poor (300-579)||$5,308||$3,799|
|Very Good (740-799)||$1,871||$1,937|
If you have an at-fault accident, speeding violation, reckless driving violation, or DUI on your driving record, Safeco could be a better choice than Safe Auto. Every insurer enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurer is best for you.
|Citation||Safeco avg. annual premium||Safe Auto avg. annual premium|
|At-fault accident (damage < $1,000)||$2,546||$2,867|
|At-fault accident (damage > $1,000)||$1,969||$2,837|
Insurance companies rely on a driver's age as an indicator of potential risk, pricing premiums accordingly. A car insurance policy is usually priciest for teen drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company rates age tiers uniquely, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Safeco over Safe Auto: Safeco offers average yearly savings of $497, compared to Safe Auto.
|Age tier||Safeco avg. annual premium||Safe Auto avg. annual premium|
Cost aside, Safeco and Safe Auto each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Safeco||Safe Auto|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Safeco||Safe Auto|
|JD Power Rankings||Below average||N/A|
|Other Products||Safeco||Safe Auto|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Safeco||Safe Auto|
|About||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.||Safe Auto strives to provide affordable insurance to every driver, no matter the situation.|
|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.||Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.|
|Additional Discounts||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.||Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.|
|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.See More Questions
|Should I get full coverage from a less well-known insurer?|
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.Do I pay a deductible for a liability claim?
You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.See More Questions
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|Top States||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia|