GEICO vs. SafeAuto Car Insurance [2021]

This GEICO vs. SafeAuto car insurance review will cover GEICO vs. SafeAuto car insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your locale, enter your ZIP code below. To learn more about SafeAuto vs. GEICO car insurance rates and more, keep reading.

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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: Dec 1, 2020

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SafeAuto vs. Geico Car Insurance Comparison Summary
DetailsGeicoSafeAuto
Year Founded19361990
Headquarters5260 Western Avenue
Chevy Chase, MD 20815
4 Easton Oval,
Columbus, Ohio 43219
Available in:50 states50 states
Direct Premiums Written$20,268,002,000$282,289,000
Market Share13.69 %0.19 %
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You don’t want to spend more than you have to for car insurance. So, why not do your homework? GEICO and SafeAuto are arguably two of the best auto insurance companies.

Let’s take a closer look at and compare GEICO vs. SafeAuto car insurance. We’ll be looking at rates, discounts, financial ratings, customer satisfaction, and more. Let’s get started.

Which car insurance company is right for you? Make sure you make the right choice. Enter your ZIP code to get FREE car insurance quotes before you buy car insurance.

GEICO vs. SafeAuto: Comparing Car Insurance Rates

Let’s take a look at car insurance rates for GEICO car insurance versus SafeAuto car insurance. For these, we only have rates for GEICO, so points to them for transparency.

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GEICO vs. SafeAuto: Which is cheapest by state?

Your car insurance rates are heavily based upon where you live. It may not seem fair, but the theft and vandalism rates where you live will determine how much you have to pay for car insurance.

Take a look at the table below to see how your state averages for car insurance rates by state.

Geico Average Annual Car Insurance Rates by State
StateGeico Average Annual RatesHigher/Lower than State AveragePercent Higher/Lower than State Average
Alaska$2,879.96-$541.56-18.80%
Alabama$2,866.60-$700.36-24.43%
Arkansas$3,484.63-$640.35-18.38%
Arizona$2,264.71-$1,506.26-66.51%
California$2,885.65-$803.28-27.84%
Colorado$3,091.69-$784.70-25.38%
Connecticut$3,073.66-$1,545.26-50.27%
District of Columbia$3,692.81-$746.43-20.21%
Delaware$3,727.29-$2,259.04-60.61%
Florida$3,783.63-$896.83-23.70%
Georgia$2,977.20-$1,989.63-66.83%
Hawaii$3,358.86$803.2223.91%
Iowa$2,296.16-$685.12-29.84%
Idaho$2,770.68-$208.41-7.52%
Illinois$2,779.16-$526.33-18.94%
Indiana$2,261.07-$1,153.90-51.03%
Kansas$3,220.65-$58.98-1.83%
Kentucky$4,633.59-$561.81-12.12%
Louisiana$6,154.60$443.257.20%
Maine$2,823.05-$130.23-4.61%
Maryland$3,832.63-$750.07-19.57%
Massachusetts$1,510.17-$1,168.68-77.39%
Michigan$6,430.11-$4,068.53-63.27%
Minnesota$3,498.54-$904.72-25.86%
Missouri$2,885.33-$443.61-15.37%
Mississippi$4,087.21$422.6410.34%
Montana$3,602.35$381.5010.59%
North Carolina$2,936.69-$456.42-15.54%
North Dakota$2,668.24-$1,497.60-56.13%
Nebraska$3,837.49$553.8114.43%
New Hampshire$1,615.02-$1,536.76-95.15%
New Jersey$2,754.94-$2,760.27-100.19%
New Mexico$4,458.30$994.6622.31%
Nevada$3,662.09-$1,199.61-32.76%
New York$2,428.24-$1,861.64-76.67%
Ohio$1,867.19-$842.53-45.12%
Oklahoma$3,437.34-$704.99-20.51%
Oregon$3,220.12-$247.65-7.69%
Pennsylvania$2,605.22-$1,429.28-54.86%
Rhode Island$5,602.63$599.2710.70%
South Carolina$3,178.01-$603.13-18.98%
South Dakota$2,940.29-$1,041.98-35.44%
Tennessee$3,283.42-$377.47-11.50%
Texas$3,263.28-$780.00-23.90%
Utah$2,965.57-$646.32-21.79%
Virginia$2,061.53-$296.35-14.38%
Vermont$2,195.71-$1,038.42-47.29%
Washington$2,568.65-$490.67-19.10%
West Virginia$2,120.80-$474.56-22.38%
Wisconsin$3,926.20$320.138.15%
Wyoming$3,496.56$296.478.48%
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You can see just how these numbers jump around. Living in Iowa versus living in Michigan are whole different worlds in car insurance land.

GEICO vs. SafeAuto: Which is cheapest by driving record?

Your driving record is easily one of the biggest factors that determine your rates. That won’t be a surprise if you’ve ever received a speeding ticket or caused a fender-bender.

Let’s look at how GEICO handles these rates, as SafeAuto does not provide theirs.

GEICO vs. SafeAuto: Rates With One Speeding Ticket

Getting a speeding ticket is never the highlight of your day, and it just keeps causing trouble by raising your rates. Let’s look at how GEICO judges a speeding ticket.

GEICO Average Annual Car Insurance Rates with One Speeding Ticket
Driving RecordGEICO Average Annual Rates
Clean record$2,145.96
With 1 speeding violation$2,645.43
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GEICO raises your rates around 23 percent for just one speeding ticket.

GEICO vs. SafeAuto: Rates With One Car Accident

If you’re found at-fault for a car accident, your rates will almost certainly go up. Let’s see how GEICO determines this.

GEICO Average Annual Car Insurance Rates With One At-Fault Accident
Driving RecordGEICO Average Annual Rates
Clean record$2,145.96
With 1 accident$3,192.77
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One at-fault accident can raise your rates by 49 percent with GEICO.

GEICO vs. SafeAuto: Rates With One DUI

The worst driving offense you can commit here is to get a DUI.

GEICO Average Annual Car Insurance Rates Increase With One DUI
Driving RecordGEICO Average Annual Rates
Clean record$2,145.96
With 1 DUI$4,875.87
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GEICO raises your rates around 127 percent if you get one DUI.

GEICO vs. SafeAuto: Which is cheapest by age and gender?

GEICO has provided its car insurance rates by age and gender, as you can see in the table below.

GEICO Average Annual Car Insurance Rates by Age and Gender
DemographicGEICO Annual Average Rates
Married 60-year-old female$2,247.06
Single 25-year-old male$2,262.87
Married 60-year-old male$2,283.45
Married 35-year-old female$2,302.89
Married 35-year-old male$2,312.38
Single 25-year-old female$2,378.89
Single 17-year-old female$5,653.55
Single 17-year-old male$6,278.96
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As with most insurers, younger drivers will pay more for their car insurance.

It’s important to note that it’s illegal in some states to factor your gender into your car insurance rates. These states include:

  • California
  • Montana
  • North Carolina
  • Pennsylvania
  • Massachussetts
  • Hawaii

But for other states, it’s still legal to charge more because of your gender.

GEICO vs. SafeAuto: Which is cheapest by credit score?

Unfortunately, your credit score can affect your car insurance rates as well.

GEICO Average Annual Car Insurance Rates By Credit History
Credit HistoryGEICO Average Annual Rates
Good$2,434.82
Fair$2,986.79
Poor$4,259.50
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Someone with poor credit can pay 75 percent more than someone with a good credit score. That can make it seem overwhelming when you are trying to improve your credit to have to pay extra for this bill.

But it’s a good motivator.

GEICO vs. SafeAuto: Which is cheapest by annual mileage?

Your commute length affects how much you’ll pay for your car insurance.

GEICO Average Annual Car Insurance Rates by Commute Length
Annual Commute LengthGEICO Average Annual Rates
10 miles commute/ 6,000 annual mileage$3,162.64
25 miles commute/ 12,000 annual mileage$3,267.37
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Though this isn’t a huge factor, you can still pay around 3 percent higher for your car insurance if you have a long commute.

GEICO vs. SafeAuto: Which is cheapest by car make and model?

Some vehicles just cost more to insure. That isn’t a surprise if you think about it. Insurance companies are tasked with repairing and replacing damaged vehicles.

GEICO Average Annual Car Insurance Rates by Vehicle Make and Model
Make and ModelUSAAGEICO
2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$2,551.56$3,092.11
2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$2,409.67$3,092.58
2015 Toyota RAV4: XLE$2,454.58$3,090.89
2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$2,855.69$3,338.40
2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$2,422.66$3,338.87
2018 Toyota RAV4: XLE$2,529.63$3,337.18
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More expensive vehicles cost more to repair, so they’ll charge more to insure them.

GEICO vs. SafeAuto: Which is cheapest by coverage level?

Most car insurers offer different levels of coverage to choose from. We don’t have information for SafeAuto but you can see how GEICO calculates this below.

GEICO Average Annual Car Insurance Rates by Coverage Level
Coverage LevelGEICO Average Annual Rates
Low$3,001.91
Medium$3,213.97
High$3,429.14
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It’s only 14 percent more expensive to buy a higher level of coverage instead of a low one. Why not do it if it’s in the budget?

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GEICO vs. SafeAuto: Ratings and Customer Satisfaction

Here we have some ratings for a side by side comparison for GEICO vs SafeAuto. Let’s get started with financial ratings.

GEICO vs. SafeAuto: What are their financial ratings?

SafeAuto is such a small car insurance company that they haven’t been rated by these financial rating companies. Let’s look at GEICO ratings.

Geico vs. Safe Auto Financial Ratings
Rating CompanyGeicoSafe Auto
AM BestA++NR
S&PAA+NR
Moody'sAa3NR
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Overall, GEICO gets great ratings for financial strength. They certainly win this round.

GEICO vs. SafeAuto: How do customers rate them?

Take a look at customer satisfaction ratings below.

Geico vs Safe Auto: Customer Satisfaction Ratings
Customer Satisfaction RatingGeicoSafe Auto
JD PowerAbout AverageNR
NAIC Complaint Index1.153.36
Better Business BureauB+A+
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SafeAuto does have a higher complaint ratio, SafeAuto has a better rating than GEICO with the Better Business Bureau.

GEICO vs. SafeAuto: What is their market share?

GEICO is the second-largest car insurance company in the country with a 13.69 percent market share, only behind the behemoth that is State Farm.

SafeAuto is much smaller with a market share of 0.19 percent.

GEICO vs. SafeAuto: Car Insurance Coverage and Options

What coverages do these companies offer?

GEICO vs. SafeAuto: What are their coverage options?

SafeAuto lists a lot of options such as SR-22s, liability insurance, PIP, uninsured motorist coverage, full coverage, roadside assistance, and more.

GEICO also offers major car insurance options, including collision, comprehensive, roadside assistance, rental reimbursement, and mechanical breakdown coverage.

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Usage-Based Insurance Programs

This video goes over GEICO’s DriveEasy telematics program.

SafeAuto doesn’t offer a telematics program on their website.

GEICO vs. SafeAuto: What discounts do they offer?

Even if you have a terrible driving record, you can still qualify for discounts on your car insurance. So, which discounts do these companies offer?

Geico vs Safe Auto Car Insurance Discounts
DiscountsGeicoSafe Auto
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Utility Vehiclex
Vehicle Recoveryxx
VIN Etchingx
Newer Vehiclexx
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentx
Driver's Edxx
Driving Device/Appx
Early Signingx
Emergency Deploymentx
Family Legacyx
Farm Vehiclex
Federal Employeex
Full Paymentxx
Further Educationx
Good Studentxx
Homeownerxx
Low Mileagex
Loyaltyx
Marriedx
Membership/Groupx
Militaryxx
Multiple Policiesx
Multiple Vehiclesxx
New Customer/New Planx
Occupationx
On Time Paymentsx
Paperless/Auto Billingx
Passive Restraintxx
Safe Driverxx
Seat Belt Usex
Students & Alumnix
Switching Providerx
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This video from Shine goes over some commonly available car insurance discounts. Do you qualify for any of these?

GEICO offers 33 car insurance discounts, which is more than SafeAuto. SafeAuto only lists 22 car insurance discounts that it offers to its drivers.

GEICO vs. SafeAuto: Which company is the best?

So, who is better: GEICO or SafeAuto?

GEICO seems to be best for transparency, as we can see their average rates but not SafeAuto’s. However, GEICO is a larger insurer which means they have more resources.

SafeAuto hasn’t been rated by financial institutes like A.M. Best and Moody’s, as they are a really small auto insurer.

SafeAuto does have a better customer score from the Better Business Bureau, but they have a much higher NAIC complaint index.

GEICO also offers more car insurance discounts than SafeAuto does.

Overall, with so little information for SafeAuto compared to GEICO, we may have to give this one to GEICO.

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Average Monthly Car Insurance Rates by State