SAFECO vs Safe Auto Car Insurance

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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.


Compare Safeco vs. Safe Auto auto insurance rates


Safeco vs. Safe Auto: prices 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.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Safe Auto VS. Safeco
Credit levelSafeco avg. annual premiumSafe 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: high-risk insurance rates

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.


RATES BY VIOLATION: Safe Auto VS. Safeco
CitationSafeco avg. annual premiumSafe 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: rates by age bracket

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 BRACKET INSURANCE RATE COMPARISON: Safe Auto VS. Safeco
Age tierSafeco avg. annual premiumSafe 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 ComparisonSafecoSafe Auto
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 ComparisonSafecoSafe Auto
Financial Strength ExcellentGood
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 ProductsSafecoSafe Auto
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Other FeaturesSafecoSafe Auto
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.Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
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.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional DiscountsSafeco is a subsidiary of Liberty Mutual and offers claim service 24/7.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.
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.
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Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.
If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.
Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.
See More Questions
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