Allstate vs. Safeco Car Insurance [2022]

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 22, 2022

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Here's what you need to know...

  • 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.

Safeco Insurance is a mid-size company that is part of the Liberty Mutual 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 auto 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.

Additionally, 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.

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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 their 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 an auto 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 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%.

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 can also read our Safeco Car Insurance Review to know more about that company.

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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