Safeco vs. Auto-Owners Insurance

Which insurance company is right for you? Compare insights, rates, and quotes from Safeco and Auto-Owners.

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Safeco vs. Auto-Owners: What You Need to Know

In 1923, Hawthorne K. Dent founded the General Insurance Company of America. Most insurance activity during that time was taking place in the Northeast, so its Seattle location made “The General” a pioneer not only geographically but also with their competitive prices and great service. Today, however, “the General” is called Safeco, and they offer insurance to people across the country. It was in 1953 that the General Insurance Company of America created a subsidiary called Selective Auto and Fire Insurance Company of America (SAFECO). It was intended to compete with the national companies using computer automation tools, which allowed them to enter the life insurance business. By the end of the 1960s, the company also began offering mutual funds and commercial lines of credit. It became so successful that the changed the name entirely to Safeco. In 1997, Safeco began expanding east by acquiring American States Financial Corporation, doubling its agency in size. They soon became a leading insurer for small to mid-sized businesses. In 2002, the company’s dedication to automated technology helped the company recover from the slump of the late 1990s. In 2004, Safeco sold its life and investment division to refocus on surety bonds and its property and casualty lines of insurance. In 2008, Safeco was bought by Liberty Mutual Insurance Company, a change that allows Safeco to focus solely on personal insurance lines today.

Vern V. Moulton and four of his associates founded Auto-Owners Insurance Company in a single room in the Commercial Block Building in Mount Pleasant, Michigan. The company moved to Lansing, Michigan where it still is today. In its first year, Auto-Owners Insurance had only one book of policyholders and $174.25 in total assets. In 1935, Auto-Owners extended beyond Michigan and began writing policies in Indiana. In 1951, the company opens the doors to its new four-story home in downtown Lansing and 400 associates moved in. In 1966 the company established Auto-Owners Life Insurance Company. In 1976, the company moved into its current home in Lansing. Auto-Owners Insurance celebrated its 100th anniversary. In 2017, Auto-Owners begins its affiliation with Concord General Mutual Insurance group. Today, Auto-Owners Insurance writes policies in 26 states and has more than 4,700 employees. The company has been a member of the Fortune 500 since 2002. In 2018, Auto-Owners Insurance was listed at number 375.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit SAFECO Overview and Auto-Owners Insurance Co Overview.

SAFECO vs. Auto-Owners Insurance Co: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with SAFECO and Auto-Owners Insurance Co. On average, SAFECO charges approximately $34.61 per month while Auto-Owners Insurance Co comes in at around $126.38 per month. For SAFECO, the cheapest state average is Nebraska at $0.00 per month and the most expensive is Michigan at $172.07 per month. For Auto-Owners Insurance Co, the cheapest state average is Georgia at $102.02 per month and the most expensive is Michigan at $128.50 per month.


Average Rate

Auto-Owners Insurance Co

Average Rate


Average Rate

State SAFECO Auto-Owners Insurance Co
Alabama $0.00 -
Arizona $17.84 -
California $6.79 -
Connecticut $0.00 -
Florida $0.00 -
Georgia $3.53 $102.02
Illinois $32.30 -
Indiana $128.28 -
Iowa $0.00 -
Kentucky $26.17 -
Michigan $172.07 $128.50
Missouri $24.60 -
Nebraska $0.00 -
Nevada $0.00 -
North Carolina $0.00 -
Ohio $24.84 -
Oklahoma $2.37 -
Oregon $30.09 -
Pennsylvania $39.40 -
South Carolina $15.07 -
Tennessee $70.40 -
Texas $20.09 -
Utah $8.45 -
Virginia $0.00 -
Washington $27.54 -
West Virginia $0.00 -

SAFECO vs. Auto-Owners Insurance Co: Rates by Number of Vehicle


Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that SAFECO and Auto-Owners Insurance Co typically charge for drivers who have more than 1 vehicle.

Number of Vehicles SAFECO Auto-Owners Insurance Co
1 Vehicle $25.59 $121.29
2 Vehicles $86.00 $189.13

SAFECO vs. Auto-Owners Insurance Co: Rates by Homeownership


Drivers who own their home rather than rent can sometimes get a small discount. We found that on average SAFECO charges $74.75 per month and Auto-Owners Insurance Co charges $134.87 per month for customers who own their home.

Own/Rent SAFECO Auto-Owners Insurance Co
Own $74.75 $134.87
Rent $19.63 $124.28

What is Safeco and Auto-Owners Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Safeco and Auto-Owners ranked among the industry ratings.

Year Founded19231916
Market Share0.24%
A.M. Best RatingA++
BBB RatingA-A+
Financial StrengthExcellentExcellent
JD Power RankingAbout AverageBetter Than Most
Moody’s RatingA2
NAIC Complaint Index1.080.77
S&P RatingAAA

Safeco or Auto-Owners: Insurance Products Offered

What coverage is available through Safeco and Auto-Owners? Both insurance companies offer Auto, Commercial, Condo, Home, Motorcycle, Pet, Renters, RV, and Umbrella insurance. Additional products from Auto-Owners insurance also includes Farm, Health, and Life insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit SAFECO and Auto-Owners Insurance Co Insurance page.

Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Safeco or Auto-Owners: Ways To Save

Safeco offers a wide range of discounts to its policyholders, including Accident Prevention, Diminishing Deductible, and Distant Student discounts. In contrast, Auto-Owners also offers a few discounts that Safeco doesn’t, including Teen Driver Monitoring, Student Away at School, and Safety Featuress discounts. Start taking advantage of discounts offered by insurance providers like Auto-Owners and Safeco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Accident ForgivenessAdvance Quote Discount
Accident PreventionFavorable Loss History
Diminishing DeductibleGood Student Discount
Distant Student DiscountGreen Discount
Driver Training DiscountLife Multi-policy Discount
Good Student DiscountMulti-car Discount
New Teen RewardMulti-policy Discount
Newly Independent DiscountPaid-in-full Discount
Teen Safety RewardsPayment History
Telematics Reward (Safeco RightTrack)Safety Features Discounts
Tenture AwardStudent Away at School Discount
Teen Driver Monitoring Discount

Pros & Cons of Safeco & Auto-Owners


  • Diminishing deductible can save you money if you’re ever in an accident.
  • Multiple losses, one deductible means that when you bundle, you can save money if an unexpected event damages both your car and home.
  • Safeco had less than the median number of complaints for home insurance, according to the National Association of Insurance Commissioners.
  • Several options for discounts for teen drivers.
  • Common loss deductible and multi-policy discounts allow clients to save money if they insure home and auto with Auto-Owners Insurance.


  • Safeco had more than the median number of complaints about auto insurance in 2018.
  • Auto-Owners Insurance only serves 26 states.
  • No rideshare insurance.

Safeco or Auto-Owners Mobile Apps Options

The Safeco Insurance mobile app is available for iOS and Android. This insurance concierge gives you access to your policy 24/7. This mobile and tablet friendly app helps you pull up your ID cards, make a payment, manage your policies and file a claim as well as submit accident photos.

The Auto-Owners Insurance mobile app is available for iOS and Android. This insurance concierge gives you access to your policy 24/7. You can pay your bills, set up and manage automatic payments and check on the status of a claim.

Safeco Mobile App
iOS     4.75.4K user reviews
Android     3.8416 user reviews
Auto-Owners Mobile App
iOS     3.334 user reviews
Android     4.353 user reviews

Safeco & Auto-Owners Contact Info

Safeco Contact Info
Address1400 South Highway Drive, Suite 100, Fenton, MO, 63026
Auto-Owners Contact Info
Address6101 Anacapri Blvd., Lansing, MI, 48917

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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