Compare AAA vs. Safeco Insurance

Safeco and AAA are two well-known names in the insurance industry. Safeco was founded in 1923, and AAA was founded in 1905. Both companies offer wide ranges of driver discounts and good J.D. Power ratings.

However, Safeco’s follow-up process is a bit slow, while AAA only gives a certain number of roadside service calls to its customers before they begin charging. Still, both have good financial strength ratings, and AAA is also ranked #1 in roadside assistance.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Safeco
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
  • You want a lot of discounts on your home and auto policies
Worst If AAA
  • You constantly need service calls. AAA only provides four service calls per cardholder per year. Anything beyond that costs extra
  • You want fast and easy follow-up

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like AAA and Safeco. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

AAA Safeco

Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel

Safeco has a wide range of discounts that can help save you tons on your auto insurance policy.

Some of its basic discounts include the following:

  • Safeco Package
    • This discount combines three features: coverage, savings, and convenience.
    • Coverage
      • You can choose from an array of coverage options for both home and auto policies
      • Safeco also offers coverage enhancements like Equipment Breakdown Coverage or Roadside Assistance
    • Savings
      • The Safeco Package can save you up to 15 percent when you combine your home and auto policies
      • Single Loss Deductible
        • Picture this: both your home and car are damaged by the same event. You may only have to pay a one lump sum deductible.
    • Convenience
      • You can choose between a six-month and annual auto policy
      • Combine billing statements for all your policies to take care of everything in one single place
      • Align renewal dates so you only have to keep track of one instead of multiple
  • Safeco Safety Rewards
    • With Safety Rewards, you can lower your insurance costs on the following conditions:
      • Diminishing Deductible: Your deductible will decrease every renewal period as long as there are no claims filed against your policy
      • Accident Forgiveness: After being with Safeco Insurance a certain number of years, the first accident is waived from your policy
      • Accident Prevention: Drivers aged 55 and older typically can complete an accident prevention course and thus be eligible for this discount
      • Teen Safety Rewards
        • These are to encourage your teen to drive more safely. Teens behind the wheel can earn discounts such as:
          • Good student discount
          • Driving training discount
          • Tips for teen drivers discount
  • Low Mileage Discount
    • If you don't drive much, you may qualify for this discount and save up to 20 percent
    • To qualify you have to drive less than 8,000 miles a year
  • Safeco RightTrack
    • RightTrack is a small device that plugs into your vehicle and monitors your driving habits. Just by signing up for this discount, you can initially save 5 percent off your car insurance premium
    • After 90 days, you may be eligible to earn up to a 30 percent discount if you're a safe driver

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Safeco
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Safeco
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Safeco
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Safeco
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Special Circumstances AAA Safeco
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Safeco
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Safeco Insurance
2016 152
2015 210
2014 274
2013 269

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Safeco Insurance
Overall Purchase Experience Average Average
Policy Offerings Average Average
Pricing Average Average
Local Agent Average Average
Call Center Representative Above average Below average
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Safeco Insurance
Overall Satisfaction Above average Average
First Notice of Loss Above average Above average
Service Interaction Above average Average
Appraisal Average Average
Repair Process Among the best Average
Rental Car Experience Above average Above average
Settlement Above average Average

Financial Strength Ratings

AAA Car Insurance Safeco Insurance
A.M. Best A+ A
Moody's -- A2
S&P's A A-

Mobile Apps

AAA Safeco

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.


Safeco doesn’t have a mobile app for auto insurance, but it does have one for homeowners insurance.

The Safeco Home Inventory App lets you easily catalog all your valuables and belongings in your home. You can keep track of all your items by room or category. View your inventory should something happen to your home.

Download the app here.

Roadside Assistance

AAA Safeco

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination

Safeco Roadside Assistance

Roadside Assistance with Safeco provides policy holders additional coverage for 24/7 roadside service. An insured car with roadside assistance coverage is eligible for services along with insured RV's and motorcycles.

Roadside Services Covered:

  • Towing
  • Flat tire
  • Battery service
  • Fuel and Fluids
  • Lockout

Contact Phone Number

Hotline: 1-877-762-3101

Roadside assistance operates 24 hours a day, 7 days a week.