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||5 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||USAA 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 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.|
|Recent Questions||Can my brother use his insurance for damage he caused to my vehicle?|
Agree to be paid out of pocket with driver with no license
I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ...
Can I get USAA insurance from son in law
My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...
Does USAA membership extend to grandchildren
My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...
See More Questions
My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?...
|What can I do about fixing incorrect information on my driving record?|
If my teenager rear ended another car but we aren’t filing a claim, will my insurance rate go up?
I called to get an insurance quote to see if I could get a lower rate and was told there ...
Should I file a claim if my repair cost is $1,500?
My daughter hit a car at a red light. The vehicle is worth less than a $1,000, but we are ...
Can I put my insurance on hold due to temporary disability?
I made a left turn with the flow of traffic and hit a dip; breaking my front suspension on my ...
See More Questions
I am going on disability for about 4 months. The disability check is not enough to pay for my car ...
|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. 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 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|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...