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.
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 level||USAA avg. annual premium||Safeco avg. annual premium|
|Very Poor (300-579)||$2,682||$5,308|
|Very Good (740-799)||$910||$1,871|
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.
|Violation||USAA avg. annual premium||safeco avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$2,546|
|At-fault accident (damage > $1,000)||$947||$1,969|
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.
|Age||USAA avg. annual premium||Safeco 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.
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|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
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|About||USAA 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 Assistance||24-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 Discounts||USAA offers additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members 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.|
|Compare More||USAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Root Insurance USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers||Safeco 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. Safe Auto Safeco vs. State Farm Safeco vs. The General Safeco vs. The Hartford Safeco vs. Titan Safeco vs. Travelers|
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