Compare Nationwide vs. Safeco Insurance

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Nationwide and Safeco are two of the most top-rated companies in the insurance world. Safeco was founded in 1923 and Nationwide was founded shortly after in 1925. Nationwide was ranked # 2 auto insurer in 2015. Additionally, Nationwide is well liked for their vanishing deductible program and fast and fair claims process.

Whereas, Safeco is more well liked for their reasonable pricing and automatic renewal options. On the other hand, Safeco only allows customers to file claims by phone, and Nationwide lacks important online services. Still, both companies have great J.D. Power rankings, as well as excellent financial strength.

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

  Nationwide Safeco
Best If Nationwide
  • You want a fast and fair claims process
Safeco
  • You want a lot of discounts on your home and auto policies
Worst If Nationwide
  • You want strong online or mobile services
Safeco
  • You want fast and easy follow-up

Special Car Insurance Discounts

Nationwide Safeco
Nationwide

Paperless Documents
Nationwide has a unique discount that saves customers money and saves the company (and the planet) paper. Going paperless simply means transferring all the mail, bills, or documents you’d otherwise receive in the mail over to e-mail. It’s a convenient way to save paper and keep better track of your important insurance documents. Read more about this discount here.

Safeco

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 scenario: your home is damaged, and one of your vehicles is also damaged as part of the same event. If this ever happens, 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 your car spends more time in your driveway or garage than it does out on the road, you may qualify for this discount and save up to 20 percent
    • The one condition is that 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 of using RightTrack, you may be eligible to earn up to a 30 percent discount if your driving habits have been great

Standard Car Insurance Discounts

Bundling Coverage Discounts Nationwide Safeco
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Nationwide Safeco
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 Nationwide Safeco
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Nationwide Safeco
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Nationwide Safeco
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Nationwide Safeco
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Nationwide Car Insurance Safeco Insurance
2016 53 152
2015 112 210
2014 90 274
2013 134 269

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Nationwide Car Insurance Safeco Insurance
A.M. Best A+ A
Moody's A1 A2
S&P's A+ A-

Mobile Apps

Nationwide Safeco
Nationwide

The Nationwide Mobile App allows you to pay your bills, file or view a claim, get in touch with your agent, and much more all with a single touch. To download the app, click here.

Nationwide Mobile Banking App can be downloaded to your web browser or your mobile phone. The app grants you access to your Nationwide bank accounts and lets you stay on top of your insurance related finances. From the comfort of your home or convenience of your phone you can deposit checks or pay insurance bills. For more information and to download the Mobile Banking App, click here.

Safeco

Unfortunately, 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, and view your inventory should something happen to your home. Download the app here.

Roadside Assistance

Nationwide Safeco
Nationwide

Nationwide Roadside Assistance

Nationwide Roadside Assistance offers two levels of coverage that apply to everyone on your policy, regardless of who's car you might be in.

Nationwide Roadside Assistance Basic

Services covered:

  • Towing up to 15 miles
  • Winching
  • Gas delivery
  • Battery service
  • Lockout service up to $100
  • Tire replacement

Nationwide Roadside Assistance Plus

Covers all the services of the basic plan plus:

  • Towing up to 100 miles
  • Trip interruption coverage that will reimburse the cost

Contact Phone Number

Nationwide’s Roadside Emergency Service is available by calling 1 (800) 421-3535. Its roadside service website is here. This service can help if: you’re locked out, you need a jumpstart, you get a flat tire, you need gas delivered, or if need a tow.

Safeco

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

Safeco Roadside Assistance Hotline: 1-877-762-3101

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