Progressive vs SAFECO Car Insurance

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Progressive or Safeco:
Which Company is Best for You?

Selecting an auto insurance company can be hard: companies' rates may vary by location, vehicle, and driving record, and every company's discounts vary. Progressive and safeco are two of America's top car insurance companies, offering competitively priced insurance policies across large portions of America.

In an effort to simplify the insurance-shopping process, we've collected average insurance rates from safeco and Progressive. These take into account a number of rating factors, including credit, driving history, and age. Check out the below rates and find an affordable policy today.

Want to find out more? Check out our comprehensive reviews of Progressive and Safeco.


Comparing car insurance rates: Progressive vs. safeco


Progressive vs. safeco: pricing by credit score

If you have very poor credit, Progressive could be a better option for you. On average, Progressive offers lower rates than safeco for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800-plus — should consider Progressive, which typically beats safeco by $335 annually. View common insurance rates by credit level for safeco and Progressive:


RATES BY CREDIT LEVEL: safeco VS. Progressive
Credit levelProgressive avg. annual premiumsafeco avg. annual premium
Very Poor (300-579)$3,602$5,308
Fair (580-669)$2,127$2,716
Good (670-739)$1,708$1,967
Very Good (740-799)$1,453$1,871
Exceptional (800-850)$1,320$1,655

Progressive vs. safeco: high-risk insurance rate comparison

If you are saddled with an at-fault collision, ticket, reckless driving violation, or DUI in your rear view mirror, safeco could be a better choice than Progressive. Every car insurance company has different post-violation pricing structures, so don't be afraid to shop around to figure out which insurance company suits you.


RATES BY VIOLATION: safeco VS. Progressive
ViolationProgressive avg. annual premiumsafeco avg. annual premium
At-fault accident (damage < $1,000)$2,720$2,546
At-fault accident (damage > $1,000)$2,245$1,969
DUI/DWI$2,201$2,796
Reckless driving$2,457$2,853
Speeding ticket$2,091$2,512

Progressive vs. safeco: rates by age

Auto insurance companies rely on a driver's age to outline risk potential, assigning rates accordingly. A car insurance policy is typically expensive for drivers younger than 25 — due to their inexperience — and more affordable for older drivers. Because every auto insurance company rates age brackets uniquely, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose safeco over Progressive: the former's average annual rates are $483 less than the latter's..


RATES BY AGE BRACKET: safeco VS. Progressive
Age bracketProgressive avg. annual premiumsafeco avg. annual premium
Teens$8,248$7,765
20s$2,287$2,566
30s$1,646$2,566
40s$1,644$2,128
50s$1,542$1,745
60s$1,403$1,687

Affordability aside, Progressive and safeco each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonProgressiveSafeco
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
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonProgressiveSafeco
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsProgressiveSafeco
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesProgressiveSafeco
AboutProgressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.Why customers love us: 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 a proud part of Liberty Mutual Insurance, a Fortune 100 company. Liberty Mutual is rated “A” by A.M. Best Company.
Roadside AssistanceProgressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.Safeco offers roadside assistance 24/7 as an option to your policy and includes coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional DiscountsProgressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7.
Recent QuestionsDo I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.
I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
See More Questions
What can I do about fixing incorrect information on my driving record?
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.
If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.
Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.
Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.
See More Questions
Compare MoreProgressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Insurance Progressive vs. Safe Auto Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAASafeco 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. Safe Auto Safeco vs. State Farm Safeco vs. The General Safeco vs. The Hartford Safeco vs. Titan Safeco vs. Travelers Safeco vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Progressive vs SAFECO

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