Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure
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.
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. Powered by a 3rd party partner Insure.com |
| 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 | Yes, Varies by state |
| 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.
Compare alternatives to Safeco and Geico
More guides on Finder
-
Car insurance costs, affordability by state
Trek through 10 factors that affect car insurance costs and which states have the best and worst affordability.
-
Compare pay-as-you-go and telematics companies
Compare 19 usage-based insurance companies and their key features side by side.
-
The Zebra car insurance review
See real prices from brand name insurance companies in this site’s user-friendly quote tool.
-
Crypto.com Visa Card review
Earn up to 8% back in crypto, but only if you lock up some assets.
-
Texas car accident statistics
Take care when driving in Texas, the deadliest US state for car accidents.
-
Compare car insurance in Stockton
Compare car insurance rates and features that serve Stockton.
-
California car accident statistics 2022
California is one of the deadliest states in the US for car accidents. No joke.
-
Eco savings review
Earn up to 5% APY with Eco’s crypto savings account, but funds aren’t insured.
-
Car insurance in Modesto
These 4 best car insurance picks are a good starting point for shopping around in Modesto.
-
Car insurance in Bakersfield
Compare top car insurance companies in Bakersfield, plus see why you need extra coverage here.
Ask an Expert