Safeco vs. Allstate: Which Is the Best? (2025)
With slightly lower rates and a higher IQ Score, Allstate stands out as the winner against Safeco.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
When looking for a new car insurance company, it’s important to have as much information on your potential insurers as possible to make it easier to compare quotes, coverages, and more. Allstate and Safeco are two major insurance companies that offer auto insurance policies in their suites of insurance products.
To help you determine whether either of these car insurance companies is the best choice for you, here’s what you need to know about Safeco versus Allstate and how they compare.
Quick Facts
Allstate’s average car insurance rates are $74 per month for liability coverage and $139 per month for full coverage.
Safeco’s average monthly rates are $88 for liability coverage and $142 for full coverage.
Allstate is one of the best car insurance companies, with an Insurify Quality (IQ) Score of 8.9.
Safeco vs. Allstate: The verdict
Both Allstate and Safeco are very accessible auto insurance companies that issue policies nationwide. And they have very similar average liability-only premiums. However, Allstate has a long list of discounts and programs that can help drivers save. Allstate also has a higher IQ Score.
The following table highlights how these two insurers compare to one another.
Factor  | Safeco | Allstate |
|---|---|---|
| IQ Score | 8.1 | 8.9 |
| Customer satisfaction score | 3.8 | 3.5 |
| Average quote: liability only | $88 | $74 |
| Number of discounts | 4 | 14 |
| Number of states where it operates | 50 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Safeco
Safeco operates under the Liberty Mutual umbrella, which is a long-standing nationwide car insurance company. Liberty Mutual earned a score of A (Excellent) from AM Best, which indicates this company is financially secure and likely to pay out a future claim.[1]
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $88/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
4.3
Best choiceBased on 928 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (510)
Robert
Verified Review
I've Had This Insurance for Almost a Year and They Have Increased the Cost with Each 6-Month Bill
Reviewed in Virginia on November 2025
It's okay, kind of expensive. I don't like the price the company charges; way too much.
Harry
Verified Review
Best Price
Reviewed in Pennsylvania on November 2025
I have been unable to beat their rates.
Sharon
Verified Review
Good insurance but very expensive. I've asked year after year for lower rates without losing coverage, but I'm always told they couldn’t do any better.
Reviewed in Colorado on November 2025
Good insurance but very expensive. I've asked year after year for lower rates without losing coverage, but I'm always told they couldn’t do any better.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco, a Liberty Mutual company, has been in business for nearly 100 years. Safeco stands out for some of its optional offerings. If your new car is less than a year old with under 150,000 miles, Safeco’s new vehicle replacement coverage pays the value of a comparable new car if yours is stolen or totaled. Safeco also offers cash back for policyholders who remain claims-free over a six-month review period, as well as a diminishing deductible for being claims-free. The company also scored above average for customer satisfaction in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study.
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Accident forgiveness available
Cons
May not be the cheapest option for drivers with infractions on their records
Customer reviews indicate room for improvement in customer service
Higher-than-average number of complaints with the National Association of Insurance Commissioners
Allstate
Allstate is a nationwide insurance company that makes it easy to save on car insurance by offering 11 discounts and a telematics program that tracks safe driving habits. It earned an A+ (Superior) AM Best rating and an above-average J.D. Power claims satisfaction rating.[2] [3]
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
3.9
A solid optionBased on 7,667 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,915)
Matthew
Verified Review
Get insurance elsewhere
Reviewed in Georgia on November 2025
They fixed my car quickly, but as soon as I mentioned back and neck pain, they stopped all contact with me.
Lawrence
Verified Review
In good hands, but those hands are deep in my wallet.
Reviewed in California on November 2025
I have had no issues other than the price being too high to feel any value.
Roxene
Verified Review
Unless you have money to waste, go somewhere else.
Reviewed in Virginia on November 2025
Go with someone else. They are expensive and the rates keep going up even though I've filed no claims. I live in a small house and my insurance has shot up to $144. Currently checking out other companies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
The fourth-largest U.S. auto insurer by market share, Allstate is available in all 50 states. The company has been in business for more than 90 years and also sells home, renters, and condo policies — so it’s a good option for those who want to save by bundling auto with another type of policy. Allstate also offers helpful optional auto coverages, like gap insurance and accident forgiveness. AM Best gives the company a high rating for financial strength, but Allstate has a higher-than-average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.
Pros
Ample opportunities for bundling discount
Offers a pay-per-mile option
A+ (Superior) financial strength rating from AM Best
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Below-average rank for customer satisfaction in many regions, according to J.D. Power’s 2024 U.S. Auto Insurance Study
Safeco RightTrack vs. Allstate Drivewise
Allstate and Safeco offer telematics programs that can save drivers money on their premiums. Safeco RightTrack rewards safe driving with an instant 10% enrollment discount. Once you download the Safeco Mobile app and drive for 90 days, you can receive a potential savings of 5% to 30% on your Safeco policy.
With Allstate Drivewise, drivers use a mobile app that gives real-time feedback on driving behaviors, insights into patterns, and access to safety tips. Features include driving insights, crash detection, trip history review, safe-driving challenges, and monitoring phone usage while driving.
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Based on 7,669+ reviews
4.8/5
Safeco vs. Allstate: Which is the cheapest?
On average, Allstate is cheaper than Safeco. But many factors can affect your car insurance costs, like your age, credit score, and driving record, so it’s important to get quotes from every company you’re considering to compare their rates. The cheapest car insurance company for your friend may not be the cheapest for you.
Allstate: Cheapest for drivers with a clean driving record
Overall, Allstate is the cheaper car insurance company for someone with a clean driving record, but Safeco still has relatively affordable average premiums. Drivers without accidents, driving under the influence (DUI) convictions, or speeding tickets on their records usually pay the best rates.
Driver Type | Safeco | Allstate |
|---|---|---|
| Clean driving record | $88 | $74 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate: Cheapest for drivers with a speeding ticket
Speeding tickets can cause your car insurance rates to increase, even if you didn’t cause an accident. Insurance companies consider speeding tickets an indicator of higher risk.
Drivers with a speeding ticket on their record can save a bit more with Allstate than Safeco.
Driver Type | Safeco | Allstate |
|---|---|---|
| Drivers with a speeding ticket | $121 | $97 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate: Cheapest for teen drivers
Young drivers typically pay the most expensive car insurance rates because they have the least driving experience and the highest crash risk compared to other age groups.[4] But teen drivers may find cheaper rates with Allstate than with Safeco.
Driver Type | Safeco | Allstate |
|---|---|---|
| 18-year-old | $192 | $158 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate: Cheapest for drivers with bad credit
Some states allow insurance companies to use drivers’ credit history to create a credit-based insurance score. Drivers with bad credit tend to pay more for car insurance because insurance companies believe they have a higher risk of filing a claim. But drivers with good or excellent credit pay cheaper rates.[5]
Allstate is the cheaper car insurance company for drivers with bad credit. Here’s how it compares to Safeco’s rates.
Driver Type | Safeco | Allstate |
|---|---|---|
| Drivers with bad credit | $107 | $90 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate: Cheapest for senior drivers
As long as you maintain a clean driving record, your car insurance premiums should decrease as you get older and have more driving experience. But rates can increase again around age 70 due to health-related issues that can affect driving capabilities.
Allstate is the cheaper car insurance company for senior drivers, and here’s how it compares to Safeco.
Driver Type | Safeco | Allstate |
|---|---|---|
| Senior drivers | $78 | $57 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Compare coverages: Safeco vs. Allstate
Allstate and Safeco offer standard auto insurance coverages, like liability, medical coverage, collision, comprehensive, and underinsured/uninsured motorist coverage. But these two insurers differ in the other types of coverage that drivers can add to their policies.
For example, you can find new vehicle replacement coverage from Safeco but not Allstate. And Allstate offers a personal umbrella policy that you can add to your coverage for more protection. Spend some time getting to know which auto insurance company has the coverages you need.
Coverage | Safeco | Allstate |
|---|---|---|
| Roadside assistance | Yes | Yes |
| Personal umbrella policy | No | Yes |
| New vehicle replacement | Yes | No |
| Rental car reimbursement | Yes | Yes |
| Rideshare insurance | No | Yes |
Compare discounts: Safeco vs. Allstate
To find the cheapest car insurance companies, you need to consider the discounts each company offers. In addition to competitive prices, Allstate offers more advertised discounts than Safeco, but that doesn’t mean you’ll save the most with Allstate.
Request car insurance quotes from both companies and ask about what potential discounts you qualify for and how those discounts can affect your rates. One of the best ways to save on insurance premiums is to request quotes. You can do this every year to ensure you’re still paying the cheapest rates.
Here’s how Safeco’s and Allstate’s discounts compare.
Discount | Safeco | Allstate |
|---|---|---|
| Clean driving record | No | Yes |
| Defensive driving course | No | No |
| Multi-policy | No | Yes |
| Multi-car | No | No |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | No | Yes |
| New car | No | Yes |
| Military/affiliation | No | No |
| Good student | No | Yes |
| Loyalty | No | No |
| Auto pay | No | Yes |
| Student away at school | No | Yes |
| Homeowner | No | No |
| Alternative fuel | No | No |
Safeco vs. Allstate FAQs
Still on the fence about whether Allstate or Safeco is the best policy for you? Here are the answers to some frequently asked questions about both auto insurance companies.
Is Safeco or Allstate better?
Safeco and Allstate are both fairly comparable when it comes to price, standard coverage options, and financial stability. Both are solid car insurance companies, but which one is the better option depends on the coverage you need and the rates you can afford.
What are the main differences between Safeco and Allstate insurance?
The main differences between Safeco and Allstate insurance are the different products they offer. While both companies offer similar insurance products, Allstate may have coverages that Safeco doesn’t offer, like Mexico car insurance, classic car coverage, rideshare insurance, and more.
Who is eligible for an Allstate policy?
Because Allstate issues insurance policies in every state, anyone can potentially be eligible for an Allstate policy. You can chat with an Allstate insurance agent about any eligibility requirements you’re concerned about. You can also work with independent agents to get helpful information about various car insurance companies.
What additional services do Safeco and Allstate offer?
Both Safeco and Allstate offer various insurance products, including home insurance, condo insurance, renters insurance, and motorcycle insurance.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- AM Best. "AM Best Affirms Credit Ratings of Liberty Mutual Holding Company Inc. and Subsidiaries."
- AM Best. "AM Best Takes Various Credit Rating Actions on The Allstate Corporation and Its Key Subsidiaries."
- J.D. Power. "2023 U.S. Auto Claims Satisfaction Study."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- NAIC. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.