Safeco vs. SafeAuto Insurance

Which insurance carrier is right for you? Compare rates, plans, and quotes from Safeco and SafeAuto.

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Safeco vs. SafeAuto: 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.

SafeAuto is an independently owned property and casualty car insurance carrier based in Columbus, Ohio. Since 1993, SafeAuto has been specializing in providing affordable, state-minimum auto insurance and full comprehensive and collision policies. SafeAuto provides a Certificate of Financial Responsibility (CFR) in the form of an SR22, SR22A or FR44 for customers who need to provide a CFR to a court or state government agency. The company also offers motorcycle, renters, homeowners, business, health, supplemental, dental, accident, life, mechanical repair insurance and more (see full list below). SafeAuto is a leader in direct-to-consumer, minimum-limit coverage across 17 states: Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. The company has service call centers that are open at all hours, every day, including holidays. Customers can also access their insurance information easily using the SafeAuto Insurance Mobile App.

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 Safe Auto Overview.

SAFECO vs. Safe Auto: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with SAFECO and Safe Auto. On average, SAFECO charges approximately $180.76 per month while Safe Auto comes in at around $273.81 per month. For SAFECO, the cheapest state average is Montana at $64.42 per month and the most expensive is Georgia at $387.85 per month. For Safe Auto, the cheapest state average is Tennessee at $159.62 per month and the most expensive is Louisiana at $406.84 per month.

SAFECO

Average Rate

$180.76
Safe Auto

Average Rate

$273.81
National

Average Rate

$120.03
State SAFECO Safe Auto
Arizona $99.26 $230.64
Arkansas $128.05 -
California $187.49 -
Colorado $179.95 -
Connecticut $203.44 -
Georgia $387.85 -
Idaho $72.80 -
Illinois $109.44 $211.74
Indiana- $199.07
Iowa $132.02 -
Kansas $220.63 $236.12
Kentucky $164.69 $246.53
Louisiana- $406.84
Mississippi $136.94 $262.54
Missouri $159.71 $254.48
Montana $64.42 -
Nebraska $140.53 -
Nevada $240.66 -
New Hampshire $89.62 -
North Dakota $334.33 -
Ohio $142.41 -
Oklahoma- $244.69
Oregon $212.97 -
Pennsylvania- $288.30
South Carolina- $283.75
Tennessee $123.80 $159.62
Texas- $318.45
Utah $141.95 -
Vermont $142.34 -
Virginia- $175.94
Washington $162.96 -
West Virginia $112.93 -
Wisconsin $78.81 -
Wyoming $83.62 -

SAFECO vs. Safe Auto: Rates by Number of Vehicle

Home

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

Number of Vehicles SAFECO Safe Auto
1 Vehicle $167.70 $245.00
2 Vehicles $221.30 $367.26
3 Vehicles $332.70 $600.56
4 Vehicles $ $864.79

SAFECO vs. Safe Auto: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average SAFECO charges $170.14 per month and Safe Auto charges $268.31 per month for customers who own their home.

Own/Rent SAFECO Safe Auto
Own $170.14 $268.31
Rent $186.26 $276.56

What is Safeco and SafeAuto Insurance Rating?

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

ComparisonSafecoSafeAuto
Year Founded19231993
Market Share1.8%
A.M Best RatingA-
BBB RatingA-A+
Financial StrengthExcellent
JD Power RankingAbout Average
Moody’s RatingA2
NAIC Complaint Index1.081.74
S&P RatingA

Safeco or SafeAuto: Insurance Products Offered

What coverage is available through Safeco and SafeAuto? Both insurance companies offer Auto, Commercial, Home, Motorcycle, and Renters insurance. Additional products from Safeco insurance also includes Condo, Pet, RV, and Umbrella 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 Safe Auto Insurance page.

InsuranceSafecoSafeAuto
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
SR22/FR44
Umbrella Insurance

Safeco or SafeAuto: Ways To Save

SafeAuto offers a wide range of discounts to its policyholders, including Good Student, Homeowner, and Multi-vehicle discounts. In contrast, Safeco also offers a few discounts that Safeauto doesn’t, including Tenture Award, Telematics Reward (Safeco RightTrack), and Teen Safety Rewards discounts. Start taking advantage of discounts offered by insurance providers like Safeauto and Safeco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

SafecoSafeAuto
Accident ForgivenessDriver Improvement Course Discounts
Accident PreventionGood Student Discount
Diminishing DeductibleHomeowner Discount
Distant Student DiscountMulti-vehicle Discount
Driver Training DiscountNew Business Transfer
Good Student Discount
New Teen Reward
Newly Independent Discount
Teen Safety Rewards
Telematics Reward (Safeco RightTrack)
Tenture Award

Pros & Cons of Safeco & SafeAuto

Pros

Safeco
  • 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.
SafeAuto
  • Affordable state-minimum car insurance.
  • R22, SR22A or FR44 as Certificate of Financial Responsibility available.

Cons

Safeco
  • Safeco had more than the median number of complaints about auto insurance in 2018.
SafeAuto
  • On average, premiums through SafeAuto cost more than some competitors.

Safeco or SafeAuto 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 help you pull up your ID cards, make a payment, manage your policies and file a claim as well as submit accident photos.

The SafeAuto app is available for iOS and Android. This insurance concierge allows you to see your insurance information and pay premiums.

Safeco Mobile App
iOS     4.75.4K user reviews
Android     3.8416 user reviews
SafeAuto Mobile App
iOS     4.826.6K user reviews
Android     1.845 user reviews

Safeco & SafeAuto Contact Info

Safeco Contact Info
Address1400 South Highway Drive, Suite 100, Fenton, MO, 63026
Phone1-888-723-3260
Websitehttps://www.safeco.com
Facebookhttps://www.facebook.com/SafecoInsurance/
Twitterhttps://twitter.com/Safecoinsurance
Youtubehttps://www.youtube.com/Safeco
Linkedinhttps://www.linkedin.com/company/safeco-insurance/
SafeAuto Contact Info
Address4 Easton Oval, Columbus, Ohio 43219
Phone1 (614) 456-2940
Websitewww.safeauto.com
Facebookhttps://www.facebook.com/SafeAuto/
Twitterhttps://twitter.com/safeauto
Youtubehttps://www.youtube.com/channel/SafeAuto
Linkedinhttps://www.linkedin.com/company/safeauto-insurance-company/

Methodology
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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