Safeco vs Safe Auto: Which is Better for You?

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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.


Safeco vs. Safe Auto: 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 level Safeco avg. annual premium Safe 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: by citation

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
DUI/DWI $2,796 $2,867
Reckless driving $2,853 $2,867
Speeding ticket $2,512 $2,738

Safeco vs. Safe Auto: by age

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
Teens $7,765 $8,262
20s $2,566 $2,764
30s $2,111 $2,764
40s $2,128 $2,053
50s $1,745 $1,862
60s $1,687 $1,707

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
Good Student supported supported
Multiple Policies supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported supported
Defensive Driver supported
Student Away at School supported
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase
Pay in Full supported supported
Home Owner supported supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage supported
Ratings Comparison Safeco Safe Auto
Financial Strength Question mark icon Excellent N/A
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon N/A N/A
Other Products Safeco Safe Auto
Boat Insurance supported
Condo Insurance supported
Life Insurance
Homeowners Insurance supported
Travel Trailer Insurance supported
Renters Insurance supported
RV Insurance supported
Motorcycle Insurance supported
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.
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