USAA vs. Safeco

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USAA or Safeco:
Which Company is Best for You?

Deciding on an auto insurance company can be complicated: the rates each insurer offers can vary widely based on your driving record, age, and location, and companies offer an array of discounts. USAA and safeco are two of the most popular insurance companies, providing competitively priced insurance policies in most regions.

To make shopping for car insurance easier, we pulled average prices from safeco and USAA. These cover a variety of pricing factors, including credit score, driving history, and demographics. Compare rates and find your next car insurance policy today.

Want to find out more? Read our comprehensive reviews of USAA and Safeco.


Comparing car insurance rates: USAA vs. Safeco


USAA vs. SAFECO: rates by credit level

If you have extremely bad credit, USAA could be the best option for you. On average, USAA offers lower rates than safeco for drivers with credit scores of 579 or less. Those with extraordinary credit — a score of 800-plus — should consider USAA, which typically beats safeco by $815 annually. View common insurance rates by credit level for safeco and USAA below.


Credit levelUSAA avg. annual premiumSafeco avg. annual premium
Very Poor (300-579)$2,682$5,308
Fair (580-669)$1,247$2,716
Good (670-739)$1,057$1,967
Very Good (740-799)$910$1,871
Exceptional (800-850)$840$1,655


USAA vs. Safeco: high-risk insurance rates

If you're saddled with an at-fault accident, ticket, reckless driving violation, or DUI in your recent history, USAA could be a better choice than safeco. Every car insurance company prices policies differently after a violation, so it's worth comparing quotes to figure out which insurer suits you.


ViolationUSAA avg. annual premiumsafeco avg. annual premium
At-fault accident (damage < $1,000)$1,304$2,546
At-fault accident (damage > $1,000)$947$1,969
Reckless driving$1,472$2,853
Speeding ticket$1,124$2,512


USAA vs. Safeco: rates by age

Car insurance companies rely on age to outline risk potential, pricing premiums accordingly. Insurance is commonly priciest for young drivers — because of their inexperience — and more affordable for drivers aged 25 or older. Since each insurance company evaluates ages uniquely, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose USAA before safeco: USAA offers average yearly savings of $4,901, compared to safeco.


AgeUSAA avg. annual premiumSafeco avg. annual premium


Finances aside, USAA and safeco each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonUSAASafeco
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 ComparisonUSAASafeco
Financial Strength SuperiorExcellent
JD Power Rankings ExcellentBelow average
User Satisfaction 4.6/54.6/5
Other ProductsUSAASafeco
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAASafeco
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.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 Assistance24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional DiscountsUSAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance.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 QuestionsAm I covered for an accident if my policy had lapsed while without an Uber passenger?
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.
Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.
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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
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