Compare GEICO vs. SafeAuto Insurance

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GEICO and SafeAuto are a couple well-known companies in the auto insurance industry. GEICO was founded in 1936, and SafeAuto was founded in 1993. GEICO may have great customer service along with low premiums, but SafeAuto also has incredibly low insurance rates.

On the other hand, SafeAuto had complaints about the claims process and GEICO lacks some coverage options. Still, both of these companies have a great variety of discounts to offer different customers. 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

  GEICO Safe Auto
Best If GEICO
  • You want great customer service and low premiums
Safe Auto
  • You want incredibly low insurance rates
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
Safe Auto
  • You want a quick claims process

Special Car Insurance Discounts

GEICO Safe Auto
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
Safe Auto

Standard Car Insurance Discounts

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

Consumer Complaint Data

GEICO Car Insurance SafeAuto Insurance
2016 144 46
2015 283 82
2014 267 105
2013 188 36

U.S. Auto Insurance Shopping Study (2016)

GEICO Car Insurance SafeAuto Insurance
Overall Purchase Experience Below average
Policy Offerings Average
Pricing Average
Local Agent Below average
Call Center Representative Average
Insurer Website Average

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

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

Financial Strength Ratings

GEICO Car Insurance SafeAuto Insurance
A.M. Best A++ --
Moody's Aa1- --
S&P's AA+ --

Mobile Apps

GEICO Safe Auto
GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app here.

Safe Auto

The SafeAuto Mobile App lets you manage your insurance policy quickly and conveniently from your mobile device. With the app, you can pay your insurance premiums, view your insurance ID cards or policies, call customer service, and use the “Name Your Car” tool. To download the app for iPhone or Android, click here

Roadside Assistance

GEICO Safe Auto
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.

Safe Auto

SafeAuto offers towing and roadside assistance as a coverage option for your auto insurance policy. With this coverage, towing services and certain repair costs will be covered so you and your car can get back on the road as soon as possible.