AAA vs. Safeco Car Insurance [2021]

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.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 7, 2021

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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.

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.

This is important, as understanding your car insurance policy will help you save money and avoid confusion.

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 a closer look at AAA and Safeco insurance reviews, check out the AAA car insurance review and Safeco car insurance review.

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

Age can determine the driving experience and risk level. Read on to review how age affects AAA insurance vs. Safeco insurance.

AAA vs. Safeco Average Monthly Car Insurance Rates by Age Group
Age GroupMonthly AAA Car Insurance RatesMonthly Safeco Car Insurance Rates
Teens$855$647
20s$387$214
30s$271$214
40s$266$177
50s$257$145
60s$241$141
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Insuring teen drivers can be expensive. Meanwhile, drivers who are 40 and older pay significantly less. Overall, Safeco auto insurance rates are more affordable.

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 poor credit scores generate more expensive rates.

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
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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.

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
DUI/DWI$461$233
Reckless driving$461$238
Speeding ticket$340$209
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Speeding violations have the least impact on Safeco and AAA car insurance. However, DUI and reckless driving convictions can drive up your Safeco and AAA auto insurance rates. Despite the traffic violations, Safeco is still more affordable than AAA.

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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 AAA’s most impactful 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 Safeco’s most effective car insurance discounts.

  • Good Credit Discount – Save up to 73%
  • Multiple Vehicle Discount – Save up to 36%
  • Distant Student Discount – Save up to 20%
  • Low Mileage Discount – Save up to 20%

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.

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. 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 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
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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 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.

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.

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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, 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.

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