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Safeco vs Geico: Who has better car insurance?
Discover savings from both Safeco and Geico.
Geico is well known for its low car insurance rates and steep discounts, including membership, employment and safe driving discounts. You won’t find quite the same range of perks and add-ons as Safeco offers, which is how Geico is able to offer such low rates. But Geico’s a solid contender if price is your determining factor.
But drivers could still save on insurance with Safeco, thanks to generous discounts for driving less, taking an accident prevention course and bundling insurance. Safeco also offers unique coverage that might tip the scale for certain drivers, such as pet injury coverage, custom parts coverage and key fob replacement. Both insurers also offer coverage for high risk and SR-22 drivers.
Our top pick: Geico
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
- Save over $500 on average by switching
- Earn or buy accident forgiveness to keep premiums low
- Reach customer service 24/7 by phone, online or app
- Access convenient app services like proof of insurance and bill pay
Compare Safeco vs Geico car insurance
|
|
|
|---|---|
| Safeco is an established auto insurance provider backed by Liberty Mutual, with many discounts designed for experienced drivers. This provider offers the standard range of coverage, from the bare minimums to comprehensive policies. | Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims. |
| All states except AL, AR, CA, DE, HI, MD, MO, NJ | All 50 states |
| Included free | Optional |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes |
Yes |
| online phone |
Online Phone Agent |
| monthly custom |
12 months 6 months custom |
| Yes | Yes, up to 25% |
| Yes, up to 15% | Varies |
| Yes | No |
| No | Yes, up to 15% |
| Yes | Yes, up to 25% |
| Yes | Yes |
| Yes | Yes, up to 15% |
| Yes | Varies |
| No | Yes |
| Yes | Yes, up to 15% |
| No | No |
|
|
|
Bottom line
Geico’s low rates should tempt you to get a quote from this insurance giant. But consider Safeco as an alternative if you don’t drive much or you’re looking for one of the specific perks offered by this niche insurer. When comparing policies from Geico and Safeco, compare what’s included with each so you know exactly what you’re paying for. Compare quotes from both providers to choose the right one for you.
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