Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Safeco vs Geico: Who has better car insurance?

Discover savings from both Safeco and Geico.

Updated

Fact checked

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

Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.

  • Tons of discounts
  • Innovative mobile app
  • Easy repair process
  • Save over $500 a year when you switch
  • 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. Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
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
Payment schedule
Payment schedule monthly
custom
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
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
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
loading

Compare up to 4 providers

Read more on this topic

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site