SAFECO vs Safe Auto Car Insurance

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SAFECO or Safe Auto:
Which Company is Best for You?

Choosing a car insurer can be hard: rates can fluctuate based on your driving history, location, and age, and every company's discounts vary. SAFECO and Safe Auto are two of the most popular insurers, offering competitively priced coverage in most states across the US.

To help simplify the process of comparing insurance companies, we pulled average rates from Safe Auto and SAFECO. These rates cover a variety of pricing components, including credit, driving behavior, and age. Examine these rates and find the right policy for you.


SAFECO vs. Safe Auto: rate comparison


SAFECO vs. Safe Auto: by credit level

If you have very poor credit, Safe Auto could be the way to go. On average, Safe Auto offers better premiums than SAFECO for drivers with credit scores of less than 580. Drivers with extraordinary credit — a score of 800 or higher — should consider SAFECO, which typically beats Safe Auto by $266 per year. View typical insurance rates by credit score for Safe Auto and SAFECO below.


RATES BY CREDIT LEVEL: 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: rates for bad drivers

If you have an at-fault accident, speeding ticket, reckless driving violation, or DUI on your résumé, SAFECO could be a better choice than Safe Auto. Each insurer enacts rate penalties differently, so it's worth comparing quotes to understand which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Safe Auto VS. SAFECO
InfractionSAFECO 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

Auto insurance companies use age to outline risk potential, pricing policies accordingly. Car insurance is often priciest for teen drivers — due to their inexperience — and most affordable for middle-aged drivers. Since each insurance company evaluates age brackets in a different way, it's a smart move to shop around.

As a general rule, teen drivers should choose SAFECO over Safe Auto: SAFECO offers average yearly savings of $497, compared to Safe Auto.


RATES BY AGE: Safe Auto VS. SAFECO
AgeSAFECO 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

Finances aside, SAFECO and Safe Auto come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

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
3 out of 5
3 out of 5
User Satisfaction

A+

A+

Other ProductsSAFECOSafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesSAFECOSafe Auto
AboutAt Safeco Insurance, we promise to make it easy for you, to provide the coverage you need, to connect you with local agents who offer personal advice, and most important of all - to be there for you when you need us most. When you have a claim, we take care of it. It’s that simple. We’re backed by the financial strength of Liberty Mutual Insurance, ranked on the Fortune 100 list of the largest U.S. corporations. Trust Safeco with your auto investment, today!At SafeAuto, we strive to provide caring and professional customer service 24/7, and to help make insurance affordable to every driver, no matter the situation. We provide you flexibility to access your accounts and make payments online, by phone, or through our mobile app. We offer convenience through our hassle-free automatic payments and immediate proof of insurance when you insure with us.
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.
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Compare MoreSAFECO 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. Farmers SAFECO vs. Foremost SAFECO vs. GEICO SAFECO vs. Infinity SAFECO vs. Mercury SAFECO vs. MetLife SAFECO vs. Nationwide SAFECO vs. Progressive SAFECO vs. State Farm SAFECO vs. The General SAFECO vs. The Hartford SAFECO vs. Titan SAFECO vs. Travelers SAFECO vs. USAASafe Auto vs. 21st Century Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. Progressive Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia
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SAFECO vs Safe Auto

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