AAA vs. Safeco Car Insurance Comparison [2024]

AAA and Safeco are excellent car insurance companies with "A" ratings from A.M. Best. AAA car insurance is about $241/mo, but Safeco car insurance is $100 cheaper. However, AAA and Safeco car insurance rates vary for each person. Compare AAA vs. Safeco car insurance quotes to secure the best rates.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Rachel Bodine

Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Feature Writer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: May 13, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • AAA car insurance is more expensive than Safeco insurance
  • You have more opportunities to save with Safeco insurance, but AAA has a better A.M. Best rating
  • AAA isn’t ranked in the J.D. Power Auto Claims Study, but Safeco is ranked

Are you trying to decide whether to buy AAA vs. Safeco car insurance? When you compare both companies, you’ll see how several factors determine AAA vs. Safeco car insurance quotes. An independent agent can run the numbers for you between several companies. You can also get quotes through a car insurance calculator to compare your options.

If you’re looking for a new auto insurance policy, know there are multiple companies competing for your business. This is true whether you have a perfect driving record, teen drivers, a DUI, or if you need classic car insurance or other specialty insurance coverages. Your insurance premiums may be higher depending on what you’re looking for. The key is to compare quotes so you know you’re getting the best insurance policy for you.

Our AAA vs. Safeco car insurance guide has everything you need to know about AAA vs. Safeco car insurance rates, discounts, financial ratings, and insurance products. These are two of the biggest competitors in American car insurance. They both offer competitive rates and coverage for the right kind of drivers.

This is important, as understanding your car insurance policy will help you save money and avoid confusion. Knowing that different insurers offer better rates and coverage for different drivers can also save you a lot of hassle. When you’re shopping for auto policies, you may want the lowest price. But you also want the assurance that your insurance claims will be processed in a timely manner.

Continue reading how various factors affect AAA vs. Safeco car insurance quotes and how you can save money each month. Enter your ZIP code in the free comparison tool above to compare multiple companies near you.

AAA vs. Safeco Car Insurance: Which company is cheapest?

Comparing AAA vs. Safeco auto insurance reassures that you get the best deal between the two companies. This section features which company is cheaper per month by age, credit history, and driving record.

If you want more information on AAA, check out our AAA car insurance review.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

AAA and Safeco Car Insurance: Which company is cheapest by age?

Age can determine the driving experience and risk level. Car insurance for teen drivers is the most expensive because they have no experience. Accident prevention is a lot harder when you’re already doing something you aren’t used to doing. Read on to review how age affects AAA insurance vs. Safeco insurance. As drivers age and ideally keep clean driving records, their rates drop every few years.

In all cases, there’s generally a  significant drop in rates by age group with Safeco. Age is only one factor, though.

AAA vs. Safeco Average Monthly Car Insurance Rates by Age Group
Age GroupMonthly AAA Car Insurance RatesMonthly Safeco Car Insurance Rates

Compare RatesStart Now →

Insuring teen drivers can be expensive. Meanwhile, drivers who are 40 and older pay significantly less. Overall, Safeco auto insurance rates are more affordable.

Read more:

AAA and Safeco Car Insurance: Which company is cheapest by credit level?

According to the NAIC Newsroom, FICO is one of the most effective companies that create insurance-based credit scores. Good credit scores produce cheaper rates, but car insurance for bad credit scores has more expensive rates. Why do insurance companies consider credit score? While it may not be directly related to auto insurance, drivers with a lower credit score are higher risk drivers. They’re also more likely to miss payments which leads to other administrative costs for insurance companies. Financial stability can play a role in many parts of auto insurance.

Let’s compare AAA vs. Safeco auto insurance rates based on credit.

AAA vs. Safeco Average Monthly Car Insurance Rates by Credit Score
Credit ScoresMonthly AAA Car Insurance RatesMonthly Safeco Car Insurance Rates
Very Poor (300-579)$547$442
Fair (580-669)$335$226
Good (670-739)$310$164
Very Good (740-799)$250$156
Exceptional (800-850)$235$138

Compare RatesStart Now →

The higher your credit score, the more you’ll save on car insurance. However, AAA auto insurance is still more expensive even if you have a good credit score. While some companies raise your rates if you have low credit, others may just ask for a deposit up front for lower credit applicants.

AAA and Safeco Car Insurance: Which company is affected by driving violations the most?

One of the most effective ways to save money is through a clean driving record. Infractions on your driving history can affect your AAA and Safeco auto insurance quotes.

Let’s review how various traffic violations impact your AAA and Safeco car insurance.

AAA vs. Safeco Average Monthly Car Insurance Rates by Driving Violations
Driving ViolationsMonthly AAA Car Insurance RatesMonthly Safeco Car Insurance Rates
At-fault accident (damage < $1,000)$340$212
At-fault accident (damage > $1,000)$334$164
Reckless driving$461$238
Speeding ticket$340$209

Compare RatesStart Now →

Speeding violations have the least impact on Safeco and AAA car insurance. However, DUI and reckless driving convictions may require high-risk car insurance and drive up your Safeco and AAA auto insurance rates. Despite the traffic violations, Safeco is still more affordable than AAA.

What are AAA’s and Safeco’s best car insurance discounts?

The secret behind Safeco’s auto insurance rates is its 30 discounts. AAA comes up with only 21 discounts, but you can stack discounts under the right circumstances. But which deals are the most effective?

Let’s review some of AAA’s car insurance discounts.

  • New Car Discount – Save up to 30%
  • Multi-Policy Discount – Save between three and 15%
  • Safe Driver Discount – Save up to 20%

AAA’s credit score discount goes up to 10%. However, Safeco’s credit score discount brings car insurance rates much lower. Let’s look at some of Safeco’s car insurance discounts.

When you combine these discounts with others, you can stack up savings and lower your monthly car insurance payments. You can even save by using an auto-pay method.

Read more: Safeco Car Insurance Discounts 

Do everything you can to save money on AAA and Safeco auto insurance. Unfortunately, car insurance companies are known to increase rates after a few months.

So prepare yourself for more expensive car insurance by getting a few discounts.

If you need more than one type of insurance, AAA and Safeco have opportunities to bundle one insurance product to another. For instance, you can bundle policies for home and auto insurance. Savings depend on which insurance you bundle with auto insurance.

Comparing AAA and Safeco Car Insurance Coverage Options

Price isn’t everything. An auto insurance company with several types of car insurance coverage options can help protect you from massive out-of-pocket costs. But which company has more coverage options?

Let’s compare AAA vs. Safeco auto insurance coverage options.

AAA vs. Safeco Car Insurance Coverage Options
AAA OptionsSafeco Options
Bodily Injury LiabilityMedical Payments (MedPay)
Property Damage LiabilityProperty Damage Liability
Uninsured/Underinsured Motorist CoverageCollision
Medical Payments (MedPay)Comprehensive
CollisionNew Vehicle Replacement
ComprehensiveRental Car Reimbursement
Rental Car Reimbursement

Compare RatesStart Now →

AAA’s website lists six coverage options, but Safeco shows five options. Although bodily injury liability isn’t listed on Safeco, it’s likely the company provides bodily injury liability since it’s one of the minimum requirements for auto insurance.

Other AAA and Safeco Car Insurance Services

AAA and Safeco are available across the United States, but specific features and services aren’t available.

For example, Safeco’s Uber and Lyft insurance is only available in certain states, and AAA doesn’t have any listed ridesharing car insurance options.

Safeco and AAA roadside assistance may cost extra, but it’s a service that all customers should consider.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

AAA vs. Safeco Car Insurance: Which company has better ratings?

Financial strength and customer review ratings sum up a car insurance company’s performance. A.M. Best and J.D. Power are two rating agencies that study the overall performance of insurance companies.

According to A.M. Best, AAA insurance has an “A+” rating, but Safeco has an “A” rating. Both are excellent ratings, but AAA is more financially stable.

However, Safeco is featured in more customer satisfaction studies across the United States, and it’s ranked 14th in J.D. Power’s 2020 U.S. Auto Claims Study.

AAA kept consumer complaints down to zero in 2020. Meanwhile, the NAIC reported Safeco’s consumer complaint data as 2.68, which is a higher rate for a company of its size.

Safeco and AAA have mobile apps that have ratings close to four stars under Google Play Store. However, Safeco has a much better score under the Apple App Store.

AAA vs. Safeco Car Insurance: What’s the bottom line?

A lot of factors go into whether affordable AAA vs. Safeco car insurance is available to you.

Credit level and driving history affect your auto insurance the most – however, car insurance discounts lower AAA and Safeco car insurance rates.

Now that you know which factors impact AAA vs. Safeco car insurance, use our free online quote tool to compare the best companies in your local area.

Frequently Asked Questions

How can I compare AAA and Safeco car insurance quotes?

You can compare AAA and Safeco car insurance quotes by using an independent agent or a car insurance calculator.

What factors affect AAA and Safeco car insurance rates?

Factors such as age, credit level, driving record, and insurance discounts can affect AAA and Safeco car insurance rates.

Which company, AAA or Safeco, offers cheaper car insurance by age?

Safeco generally offers more affordable car insurance rates across different age groups compared to AAA.

How does credit level affect AAA and Safeco car insurance rates?

Higher credit scores can lead to lower car insurance rates. However, even with a good credit score, AAA insurance tends to be more expensive than Safeco.

What are some of the coverage options provided by AAA and Safeco car insurance?

AAA offers six coverage options, while Safeco offers five coverage options, including bodily injury liability (which is likely provided by Safeco despite not being listed)

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption