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Choosing a car insurance company can be tricky: companies' rates differ based on your driving record, location, and age, and insurers offer a variety of perks. USAA and SAFECO are two of America's most popular insurance companies, providing competitively priced insurance policies across large portions of America.
In an effort to make shopping for car insurance easier, we collected average premiums from SAFECO and USAA. The below cover a number of pricing components, including credit quality, driving record, and age. Take a look at these rates and find the right policy for you.
If you have extremely bad credit, USAA could be the way to go. On average, USAA offers better premiums than SAFECO for drivers with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should consider USAA, which typically beats SAFECO by $815 per year. 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 carrying an at-fault accident, speeding ticket, reckless driving violation, or DUI offense on your driving record, USAA could be a better choice than SAFECO. Every car insurance company enacts rate penalties differently, so it's worth comparing quotes to figure out which insurance company 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|
Insurers use age to outline potential risk, assigning rates accordingly. An insurance policy is typically more expensive for teens — due to their increased odds of being involved in an accident — and relatively affordable for older drivers. Because 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 bracket||USAA avg. annual premium||SAFECO avg. annual premium|
Finances aside, USAA and SAFECO 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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||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 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 an option to your policy and includes 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 is a subsidiary of Liberty Mutual and offers claim service 24/7.|
|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 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|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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