Safeco vs Geico: Who has better car insurance?

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

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Compare Safeco vs Geico car insurance

	Read review	Read review
OVERVIEW			OVERVIEW
About the provider
About the brand	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.
States served
States served	All states except AL, AR, CA, DE, HI, MD, MO, NJ	All 50 states
COVERAGE			COVERAGE
Roadside assistance
Roadside assistance	Included free	Optional
New car protection
New car protection	Yes	Yes
Accident forgiveness
Accident forgiveness	Yes	Yes
Rideshare coverage
Rideshare coverage	Yes	Yes
SR-22 insurance
SR-22 insurance	Yes	Yes
Claims methods
Claims methods	online phone	Online Phone Agent
Payment schedule
Payment schedule	monthly custom	12 months 6 months custom
DISCOUNTS			DISCOUNTS
Anti-theft device discount
Anti theft device discount	Yes	Yes, up to 25%
Bundling discount
Bundling discount	Yes, up to 15%	Varies
Home owner discount
Home owner discount	Yes	No
Military discount
Military discount	No	Yes, up to 15%
Multi car discount
Multi car discount	Yes	Yes, up to 25%
Paid in full discount
Paid in full discount	Yes	Yes
Safety device discount
Safety device discount	Yes	Yes, up to 15%
Safe driver discount
Safe driver discount	Yes	Yes, Varies by state
Special employment discount
Special employment discount	No	Yes
Student discount
Student discount	Yes	Yes, up to 15%
Usage based discount
Usage based discount	No	No
Learn more
Learn more	Read review	Read review

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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