GEICO vs Safeco Car Insurance

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Ratings

Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

Safeco
86
What is this?

Insurify Composite Score

GEICO VS Safeco
88
86
What is this?
User Ratings
OptionsGEICO Safeco
Rating/Reviews
3,736 reviews
1,801 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsGEICO Safeco
Call Center RepresentativeAbout averageThe rest
Insurer WebsiteAmong the best--
Local AgentThe restBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsBetter than mostAbout average
PricingBetter than mostAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsGEICO Safeco
Claim ServicingBetter than mostThe rest
Estimation ProcessBetter than mostThe rest
First Notice of Loss (FNOL)Better than mostThe rest
Overall SatisfactionBetter than mostThe rest
Rental ExperienceBetter than mostThe rest
Repair ProcessAbout averageThe rest
SettlementBetter than mostThe rest
J.D. Power Ratings by Region (out of 1000)
RegionGEICO Safeco
California807 pt
About average
811 pt
About average
Central838 pt
Better than most
803 pt
The rest
Florida832 pt
Better than most
825 pt
About average
Mid-Atlantic848 pt
Better than most
--
New England827 pt
About average
796 pt
The rest
New York813 pt
About average
--
North Central830 pt
About average
803 pt
The rest
Northwest805 pt
About average
798 pt
The rest
Southeast839 pt
About average
820 pt
About average
Southwest798 pt
The rest
792 pt
The rest
Texas816 pt
The rest
--
Mobile App Ratings
RegionGEICO Safeco
Android
147,062 Reviews
89 Reviews
iOS
446,400 Reviews
1,200 Reviews
Financial Ratings
OptionsGEICO Safeco
A.M. BestA++A
FitchAA-A-
Moody'sAa3A2
Standard & Poor'sAA+A

Auto Insurance Quotes

For Married Drivers

CityGEICO Safeco
Austin$59--
Chicago$67--
Philadelphia$88--
Phoenix$38--
Santa Monica$48--

For Single Drivers

CityGEICO Safeco
Austin$62--
Chicago$68--
Philadelphia$92--
Phoenix$44--
Santa Monica$129--

For Male Drivers

CityGEICO Safeco
Austin$59--
Chicago$71--
Philadelphia$92--
Phoenix$42--
Santa Monica$123--

For Female Drivers

CityGEICO Safeco
Austin$62--
Chicago$64--
Philadelphia$87--
Phoenix$40--
Santa Monica$53--

For Drivers with Speeding Ticket

CityGEICO Safeco
Austin$74--
Chicago$92--
Philadelphia$128--
Phoenix$64--
Santa Monica$141--

For Drivers with No Speeding Ticket

CityGEICO Safeco
Austin$58--
Chicago$62--
Philadelphia$84--
Phoenix$36--
Santa Monica$77--

For Drivers Age Between 18-40

CityGEICO Safeco
Austin$63--
Chicago$71--
Philadelphia$98--
Phoenix$45--
Santa Monica$149--

For Drivers Age Between 40-65

CityGEICO Safeco
Austin$54--
Chicago$61--
Philadelphia$79--
Phoenix$35--
Santa Monica$40--

For Drivers Age of 65+

CityGEICO Safeco
Austin$75--
Chicago$78--
Philadelphia$99--
Phoenix$48--
Santa Monica$41--

For Drivers with Average Credit

CityGEICO Safeco
Austin$68--
Chicago$70--
Philadelphia$94--
Phoenix$43--
Santa Monica$76--

For Drivers with Fair Credit

CityGEICO Safeco
Austin$71--
Chicago$74--
Philadelphia$104--
Phoenix$43--
Santa Monica$56--

For Drivers with Good Credit

CityGEICO Safeco
Austin$55--
Chicago$66--
Philadelphia$84--
Phoenix$37--
Santa Monica$60--

For Drivers with Excellent Credit

CityGEICO Safeco
Austin$48--
Chicago$60--
Philadelphia$77--
Phoenix$41--
Santa Monica$161--

Quotes & Discounts

Discount typeGEICO Safeco
Good Driver DiscountUp to 26%Up to 15%
Anti-Theft Device DiscountUp to 25%Up to 3%
Emergency Deployment DiscountUp to 25%--
Federal Employee DiscountUp to 25%--
Passive Restraint DiscountUp to 25%--
Good Student DiscountUp to 15%Up to 16%
Military DiscountUp to 15%--
Seat Belt Use DiscountUp to 15%--
Anti-lock Brake DiscountUp to 5%Varies
Daytime Running Lights DiscountUp to 3%--
Accident Free DiscountVariesVaries
Defensive Driver DiscountVariesVaries
Driving training discountVariesVaries
Multiple Policy DiscountVariesVaries
Multiple Vehicle DiscountVariesUp to 36%
Organization DiscountVaries--
Senior Adult DiscountVariesVaries
teenSMART DiscountVariesUp to 15%
Accident Forgiveness--Varies
Claims Free Renewal Discount--Varies
Deductible discount--Varies
Diminishing Deductible--Varies
Early Shopper Discount--Varies
Good Credit Discount--Up to 73%
Home Owner Discount--Varies
Low Mileage Discount--Up to 20%
Loyalty Discount--Varies
New Teen Driver Discount--Varies
Paid in full discount--Varies
Prepay Discount--Varies
RightTrack Discount--Varies
Student Away at School Discount--Up to 20%

Payment Methods

Discount typeGEICO Safeco
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
yesyes
Mobile App Payments
yes--
Multi-Payment Installment Plans
yes--
Online Payment
--yes
Phone Payment
yesyes

Features and Services

Features and ServicesGEICO Safeco
24/7 serviceyesyes
Accident forgivenessyesyes
Diminishing deductible--yes
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Reimbursement of first aid--yes
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesGEICO Safeco
Accident Forgiveness
yesyes
Build Your Own Plan
--yes
Comprehensive Claim Forgiveness
yes--
Electronic Key & Lock Replacement
--yes
Emergency Assistance Coverage
--yes
First Aid Reimbursement
--yes
Gap Insurance
--yes
Incident Forgiveness
yes--
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
--yes
No Fault Coverage
yes--
Personal/Upgraded Item Coverage
--yes
Pet Coverage
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Sound System Coverage
--yes
Umbrella Policy
yes--
Vanishing Deductible
--yes

Online Quoting by State

  • GEICO
  • Safeco
  • Both

Uber and Lyft driver insurance

  • GEICO
  • Safeco
  • Both

SR‌-22 Insurance by State

  • GEICO
  • Safeco
  • Both

Compare Insurance Products

ProductGEICO Safeco
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insuranceyesyes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insuranceyesyes
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyes--
Jewelry InsuranceJewelry Insuranceyes--
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insuranceyesyes
RV InsuranceRV Insuranceyesyes
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • GEICO Reviews
  • Safeco Reviews
3.2
5 Stars
32 %
4 Stars
17 %
3 Stars
16 %
2 Stars
10 %
1 Star
25 %

Most Helpful Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

Latest Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

All Reviews

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Read reviews that mention

Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.
mister
the worst company ever, they insure you for 6 months at a time then when its time to "renew" they start increasing your rates with no explanation, they give you a speech about if anything happens you want to be covered right" lol they are thief's , not worth it, I suggest any other company besides geico!! raise your rate with no reason then they read some lame excuses LOL what a joke!!
Alexi ojitom
Yes
Micah Zimmerman
A Geico insured motorist hit my parked car. Of course they are 100% responsible for repairing. The adjuster (Brandon Seiber) skinnied down the estimate for repair such that my car was not fixed properly AND it cost me money with the body shop. The body shop said Geico is the only insurance company this happens with and they do it to their own insured. If you have Geico, you might want to think about truly how well covered you are. Micah Zimmerman 513/476-6466
Tricia
They're awesome
Alice
Geico doesn't reward loyalty
Christina
They gave me a great discount
Dayna
Always could be less?
Nin
Very expensive. Root insurance companies charge only 80 and geico charge me over 240
Jason
Showing 1 - 10 out of 1000 reviews