Safeco vs. Safe Auto

Compare rates from the top car insurance companies in your area.

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Safeco or Safe Auto:
Which Company is Best for You?

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.

Find out more: Read our full reviews of Safeco and Safe Auto.


Compare Safeco vs. Safe Auto auto insurance rates


Safeco vs. Safe Auto: prices by credit level

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 levelSafeco avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$5,308$3,799
Fair (580-669)$2,716$2,483
Good (670-739)$1,967$3,358
Very Good (740-799)$1,871$1,937
Exceptional (800-850)$1,655$1,921

Safeco vs. Safe Auto: high-risk insurance rates

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.

CitationSafeco avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$2,546$2,867
At-fault accident (damage > $1,000)$1,969$2,837
Reckless driving$2,853$2,867
Speeding ticket$2,512$2,738

Safeco vs. Safe Auto: rates by age bracket

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 tierSafeco avg. annual premiumSafe 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 ComparisonSafecoSafe Auto
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
New Vehicle
Annual Mileage
Ratings ComparisonSafecoSafe Auto
Financial Strength ExcellentN/A
JD Power Rankings Below averageN/A
User Satisfaction N/AN/A
Other ProductsSafecoSafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesSafecoSafe Auto
AboutWhy 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 AssistanceSafeco 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 DiscountsSafeco 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 QuestionsShould 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&nbsp;deductible&nbsp;unless you have&nbsp;comprehensive&nbsp;and&nbsp;collision&nbsp;coverage. Since you only have&nbsp;liability, the damages to your car will not be covered which means there is no&nbsp;deductible.
See More Questions
Compare MoreSafeco vs. 21st Century Safeco vs. Allied Safeco vs. Allstate Safeco vs. American Family Safeco vs. Amica Mutual Insurance Safeco vs. Auto Club (AAA) Safeco vs. Erie Safeco vs. Esurance Safeco vs. Farm Bureau Mutual Safeco vs. Farmers Safeco vs. Foremost Safeco vs. GEICO Safeco vs. Infinity Safeco vs. Mercury Safeco vs. MetLife Safeco vs. Nationwide Safeco vs. North Star Mutual Safeco vs. Progressive Safeco vs. State Farm Safeco vs. The General Safeco vs. The Hartford Safeco vs. Titan Safeco vs. Travelers Safeco vs. USAASafe Auto vs. 21st Century Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farm Bureau Mutual Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. North Star Mutual Safe Auto vs. Progressive Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA
Top StatesArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia