Safeco vs Geico car insurance | finder.com

Safeco vs Geico: Who has better car insurance?

Discover savings from both Safeco and Geico.

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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.

  • Save over $500 a year when you switch
  • Innovative mobile app
  • Easy repair process

Our top pick: Geico

It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.

  • Tons of discounts
  • Innovative mobile app
  • Easy repair process

Compare Safeco vs Geico car insurance

 

Safeco

Geico

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. It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
States served
States served All states except AL, AR, CA, DE, HI, MD, MO, NJ All 50 states
User satisfaction
User satisfaction 2.5 stars 3 stars
JD Power ratings
JD Power ratings 5 stars 5 stars

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
Accident forgiveness Yes Yes
SR-22 insurance
SR-22 insurance No
Yes
Claims methods
Claims methods online
phone
online
phone
Payment schedule
Payment schedule monthly
custom
12 months
6 months

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes, up to 15% Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount No Yes
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
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
Other discounts
Other discounts Seat belt use, up to 15% discount
Learn more
Learn more

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

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.

Compare up to 4 providers

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