USAA vs SAFECO Car Insurance

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USAA or SAFECO:
Which Company is Best for You?

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.


USAA vs. SAFECO: insurance rate comparison


USAA vs. SAFECO: rates by credit level

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 SCORE INSURANCE RATE COMPARISON: SAFECO VS. USAA
Credit levelUSAA avg. annual premiumSAFECO avg. annual premium
Very Poor (300-579)$2,682$5,308
Fair (580-669)$1,247$2,716
Good (670-739)$1,057$1,967
Very Good (740-799)$910$1,871
Exceptional (800-850)$840$1,655

USAA vs. SAFECO: high-risk driver rates

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.


RATES BY CITATION: SAFECO VS. USAA
ViolationUSAA avg. annual premiumSAFECO avg. annual premium
At-fault accident (damage < $1,000)$1,304$2,546
At-fault accident (damage > $1,000)$947$1,969
DUI/DWI$1,952$2,796
Reckless driving$1,472$2,853
Speeding ticket$1,124$2,512

USAA vs. SAFECO: rates by age

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.


RATES BY AGE BRACKET: SAFECO VS. USAA
Age bracketUSAA avg. annual premiumSAFECO avg. annual premium
Teens$2,864$7,765
20s$1,261$2,566
30s$963$2,566
40s$957$2,128
50s$889$1,745
60s$845$1,687

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.

Discount ComparisonUSAASAFECO
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 ComparisonUSAASAFECO
Financial Strength SuperiorExcellent
JD Power Rankings
5 out of 5
3 out of 5
User Satisfaction

A++

A+

Other ProductsUSAASAFECO
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAASAFECO
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.At 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!
Roadside Assistance24-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 DiscountsUSAA 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.
Recent QuestionsCan my brother use his insurance for damage he caused to my vehicle?

I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ...

Agree to be paid out of pocket with driver with no license

My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...

Can I get USAA insurance from son in law

My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...

Does USAA membership extend to grandchildren

My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?...

See More Questions
What can I do about fixing incorrect information on my driving record?

I called to get an insurance quote to see if I could get a lower rate and was told there ...

If my teenager rear ended another car but we aren’t filing a claim, will my insurance rate go up?

My daughter hit a car at a red light. The vehicle is worth less than a $1,000, but we are ...

Should I file a claim if my repair cost is $1,500?

I made a left turn with the flow of traffic and hit a dip; breaking my front suspension on my ...

Can I put my insurance on hold due to temporary disability?

I am going on disability for about 4 months. The disability check is not enough to pay for my car ...

See More Questions
Compare MoreUSAA 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. TravelersSAFECO 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. Safe Auto SAFECO vs. State Farm SAFECO vs. The General SAFECO vs. The Hartford SAFECO vs. Titan SAFECO vs. Travelers
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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USAA vs SAFECO

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