USAA vs SAFECO Car Insurance

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USAA or Safeco:
Which Company is Best for You?

Deciding on an auto insurance company can be complicated: the rates each insurer offers can vary widely based on your driving record, age, and location, and companies offer an array of discounts. USAA and safeco are two of the most popular insurance companies, providing competitively priced insurance policies in most regions.

To make shopping for car insurance easier, we pulled average prices from safeco and USAA. These cover a variety of pricing factors, including credit score, driving history, and demographics. Compare rates and find your next car insurance policy today.

Want to find out more? Read our comprehensive reviews of USAA and Safeco.


Comparing car insurance rates: USAA vs. safeco


USAA vs. safeco: rates by credit level

If you have extremely bad credit, USAA could be the best option for you. On average, USAA offers lower rates than safeco for drivers with credit scores of 579 or less. Those with extraordinary credit — a score of 800-plus — should consider USAA, which typically beats safeco by $815 annually. View common insurance rates by credit level for safeco and USAA below.


RATES BY CREDIT SCORE: 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 insurance rates

If you're saddled with an at-fault accident, ticket, reckless driving violation, or DUI in your recent history, USAA could be a better choice than safeco. Every car insurance company prices policies differently after a violation, so it's worth comparing quotes to figure out which insurer 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

Car insurance companies rely on age to outline risk potential, pricing premiums accordingly. Insurance is commonly priciest for young drivers — because of their inexperience — and more affordable for drivers aged 25 or older. Since 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
AgeUSAA 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 come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

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
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 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 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.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 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 QuestionsOur son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.
Can I get USAA insurance from son in law
Although I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established members to get a policy. Meaning, you wouldn't be eligible to get your own policy away from your son-in-law.
See More Questions
What 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.
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 Insurance 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. 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
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USAA vs SAFECO

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