SAFECO vs Allied Car Insurance

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Safeco or Allied:
Which Company is Best for You?

Deciding on a car insurance company can be hard: rates fluctuate based on your driving history, age, and location, and companies offer an array of discounts. Safeco and Allied are two of the most popular auto insurance companies, selling competitively priced policies in most American states.

In an effort to make insurance shopping seamless, we've gathered typical rates from Allied and Safeco. These cover a variety of rating factors, including credit history, driving record, and demographics. Compare rates and find your next car insurance policy today.

Seeking more information? Read our reviews of Safeco and Allied.


Safeco vs. Allied: rate comparison


Safeco vs. Allied: pricing by credit score

If you have very bad credit, Allied could be preferable to Safeco. On average, Allied offers more affordable prices than Safeco for prospective clients with credit scores of less than 580. Insurance shoppers with outstanding credit — a score of 800 or better — should lean toward Check out common insurance rates by credit level for Allied and Safeco below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Allied VS. Safeco
Credit scoreSafeco avg. annual premiumAllied avg. annual premium
Very Poor (300-579)$5,308$1,483
Fair (580-669)$2,716$1,097
Good (670-739)$1,967$1,104
Very Good (740-799)$1,871$920
Exceptional (800-850)$1,655$857

Safeco vs. Allied: high-risk driver rates

If you've got an at-fault accident, ticket, reckless driving citation, or DUI offense in your rear view mirror, Allied could be a better choice than Safeco. Every insurer prices its policies differently, so don't hesitate to shop around to find out which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Allied VS. Safeco
ViolationSafeco avg. annual premiumAllied avg. annual premium
At-fault accident (damage < $1,000)$2,546$1,662
At-fault accident (damage > $1,000)$1,969$1,221
DUI/DWI$2,796$2,708
Reckless driving$2,853$2,708
Speeding ticket$2,512$1,232

Safeco vs. Allied: rates by age

Insurance companies use age to indicate risk, assigning rates on a sliding scale. Car insurance is typically most expensive for teens — because of their inexperience — and most affordable for older drivers. Because every insurance company rates age brackets in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Allied before Safeco: the former's average annual rates are $4,239 less than the latter's..


COMPARING AUTO INSURANCE RATES BY AGE: Allied VS. Safeco
Age bracketSafeco avg. annual premiumAllied avg. annual premium
Teens$7,765$3,526
20s$2,566$1,392
30s$2,111$1,392
40s$2,128$959
50s$1,745$915
60s$1,687$832

Cost aside, Safeco and Allied each come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonSafecoAllied
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 ComparisonSafecoAllied
Financial Strength ExcellentSuperior
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 ProductsSafecoAllied
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesSafecoAllied
AboutWhy 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.Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.
Roadside AssistanceSafeco 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.Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
Additional DiscountsSafeco is a subsidiary of Liberty Mutual and offers claim service 24/7.Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
Recent QuestionsWhat 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
Will my insurance company cover my vehicle if my cousin was driving my car?
Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process.
If I claim my injuries after an accident, will that make my rates higher?
Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options.
Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing.
How much do car insurance rates go up after a DUI?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none.
See More Questions
Compare MoreSafeco vs. 21st Century 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 Safeco vs. USAAAllied vs. 21st Century Allied vs. Allstate Allied vs. American Family Allied vs. Amica Mutual Insurance Allied vs. Auto Club (AAA) Allied vs. Erie Allied vs. Esurance Allied vs. Farm Bureau Mutual Allied vs. Farmers Allied vs. Foremost Allied vs. GEICO Allied vs. Infinity Allied vs. Liberty Mutual Allied vs. Mercury Allied vs. MetLife Allied vs. North Star Mutual Allied vs. Progressive Allied vs. Safe Auto Allied vs. State Farm Allied vs. The General Allied vs. The Hartford Allied vs. Titan Allied vs. Travelers Allied 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
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SAFECO vs Allied

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