Allstate vs. Safeco Car Insurance Comparison [2024]
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Nov 24, 2024
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- Although Allstate is a larger company and Safeco is a mid-sized company, Safeco offers many of the same car insurance services.
- Allstate may offer more discounts on its own, but Safeco’s discounts might save you more.
- Allstate car insurance has better financial and customer service ratings.
When comparing Allstate vs. Safeco, it can be hard to decide which company is better for your car insurance needs.
Allstate is a large company that offers more services overall. Allstate also offers a good student car insurance discount, usage-based car insurance discounts, and payment history discounts. Learn more about Allstate by reading our Allstate car insurance review.
Safeco Insurance is a mid-size company that is part of the Liberty Mutual car insurance network. You can receive excellent services from Safeco at a lower price, but Safeco offers fewer discounts.
Ultimately, you will need to weigh the types of car insurance coverage you need against the total insurance cost. We have you covered, and you can compare insurance quotes by entering your ZIP code in the quote tool above.
What do Allstate and Safeco both offer with their car insurance?
Allstate and Safeco Insurance both offer the same basic insurance coverage for vehicles. Besides collision and comprehensive coverage, both companies offer roadside assistance, for example.
Allstate and Safeco also offer safe-driving mobile apps in most states. Allstate has Drivewise and Safeco has RightTrack. Both apps are compatible with iOS and Android operating systems.
Safeco and Allstate offer accident forgiveness coverage in most states. However, drivers must establish years of a clean driving record for Safeco to waive their accidents. Allstate’s accident forgiveness coverage takes effect immediately.
Safeco’s RightTrack program offers accident forgiveness coverage to prevent increasing your car insurance premium. The program combines driving monitoring technology with accident forgiveness. After a speeding ticket, traffic violation or at-fault accident, you agree to have your driving monitored for a couple of months with a telematics device in your car.
The plug-in device tracks when and where you drive, your speed, acceleration, and mileage. If you get a good safety score, you get more affordable insurance rates. You can also check out the Safeco car insurance review to know more about the coverage.
Read More: How do you get a Safeco car insurance quote online?
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Allstate vs. Safeco: Which company is more affordable?
Allstate generally has the highest prices of all the major auto insurance companies. Allstate car insurance rates may be as high as $7,000 or more per year in some states. Its lowest average yearly rates are around $1,787, which is 35% higher than its average competitor.
Safeco might not be the cheapest car insurance company, but it has more affordable auto insurance premiums than Allstate. Average Safeco auto insurance premiums may be as low as $110 per month.
Allstate vs. Safeco: Which insurance company offers better discounts?
Of course, drivers can save when they bundle car insurance with homeowners insurance or other common types of insurance coverage. Safeco policyholders can save up to 15% by bundling their home and car insurance.
Both companies offer collision deductible reductions.
Safeco’s diminishing deductible rewards renewing policyholders for each year that no one files a car insurance claim against their policies. Deductibles decrease by $100 each year until they reach a $500 cap.
Allstate’s Deductible Rewards® program works the same way, except it subtracts the first $100 at signup.
Besides these similarities, it looks like Allstate has more car insurance discounts than Safeco. However, one of Safeco car insurance discounts might make its rates lower overall for some drivers.
For starters, Safeco has a Claims Free Cash Back™ program. Drivers who go over six months to a year without filing claims can get 2.5%-5% cashback based on how much they paid on their auto insurance policy during that period.
Safeco drivers who use the RightTrack mobile app can also have a 5%-30% reduction in their rates. Users in most states can save up to $513 off their yearly insurance rates. (The app is not available in Arkansas, California, Delaware, Hawaii, North Carolina, or Washington, D.C.) The RightTrack plugin is only available in New York. The plugin allows drivers to save up to 30%.
(For more information, read our “AAA vs. Safeco car insurance comparison“).
How strong are Allstate and Safeco’s financial and customer service rankings?
Both Allstate and Safeco Car Insurance have high financial rankings, but the former edges out the latter.
Recently, Allstate received an A+ rating from A.M. Best and an Aa3 rating from Moody’s. Standard and Poor’s (S&P) gave Allstate Corp. an A- issue credit rating and AA- financial strength rating.
Safeco Car Insurance company received an A rating from A.M. Best, an A2 rating from Moody’s, and an A- from S&P.
Allstate’s customer service reviews are better than Safeco car insurance reviews.
According to the most recent J.D. Power study, Allstate ranks fifth among large insurance companies with an 858 rating (out of 1,000 points). Safeco, however, ranks below the segment average for mid-sized insurance companies (865 points) with 838 points.
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Should you buy Allstate or Safeco car insurance?
Should you buy Allstate car insurance or Safeco car insurance? Again, it depends on what you need from your car insurance and how much you would like to pay for it.
If your top priority is finding affordable car insurance, you may want to buy Safeco car insurance. Allstate car insurance rates may be higher, but the company has better ratings, and it offers more services and discounts.
If you would like to know more about Allstate Insurance, please read our Allstate Car Insurance Review.
You may need to do a little more research about each company and find out which insurance coverage and discounts are available in your state.
And to help you choose which company is right for you, compare Allstate car insurance quotes with Safeco car insurance quotes and see how much you can save. You can enter your ZIP code below to get started.
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Frequently Asked Questions
Do Allstate and Safeco provide coverage for ridesharing or delivery drivers?
Yes, both Allstate and Safeco offer coverage options for ridesharing and delivery drivers. If you use your vehicle for services like Uber, Lyft, DoorDash, or Uber Eats, you can typically add an additional endorsement to your car insurance policy to ensure you’re adequately covered while performing these activities.
Can I make changes to my policy mid-term with Allstate and Safeco?
Yes, both Allstate and Safeco allow policyholders to make changes to their policies mid-term. If you need to adjust your coverage limits, add or remove vehicles, update your personal information, or make any other modifications to your policy, you can typically do so by contacting their customer service or accessing your online policy management account.
Are there any specialized coverage options for classic or antique cars with Allstate and Safeco?
Yes, both Allstate and Safeco offer specialized coverage options for classic or antique cars. These coverage options are designed to address the unique needs of vintage vehicles, including agreed value coverage, spare parts coverage, and coverage for restoration and repair costs.
Can I cancel my policy at any time with Allstate and Safeco?
Yes, you can generally cancel your policy at any time with both Allstate and Safeco. If you decide to cancel your policy, you can typically do so by contacting their customer service or submitting a cancellation request through their website or mobile app.
Can I get a discount for paying my premium in full with Allstate and Safeco?
Yes, both Allstate and Safeco may offer discounts for paying your premium in full. Paying your premium upfront for the entire policy term can sometimes result in savings on your overall premium amount.
Do Allstate and Safeco offer accident forgiveness coverage?
Both Allstate and Safeco offer accident forgiveness coverage, although the specific terms and conditions may vary. Allstate’s accident forgiveness coverage takes effect immediately, while Safeco requires drivers to establish years of a clean driving record before accidents are waived.