AAA vs. Safeco Car Insurance Comparison [2024]

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.

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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

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:

• American Family vs. Safeco Car Insurance Comparison
• Safeco Car Insurance Review

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

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

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.

• 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.

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’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.

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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.