Compare USAA vs. Safeco Insurance

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Some of the most top-rated companies in the auto insurance industry are USAA and Safeco. These companies were founded only a year apart—USAA was founded in 1922, and Safeco in 1923. While, USAA has amazing customers service and high customer satisfaction scores, unfortunately, they only offer insurance to military members and their family.

On the other hand, Safeco has a nice variety of discounts for home and auto policies, but have a prolonged and difficult follow-up process. Nonetheless, both companies offer their customers 24/7 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

  USAA Safeco
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Safeco
  • You want a lot of discounts on your home and auto policies
Worst If USAA
  • You are not in the military, and do not have a parent who served in the military
Safeco
  • You want fast and easy follow-up

Special Car Insurance Discounts

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

Consumer Complaint Data

USAA Car Insurance Safeco Insurance
2016 245 152
2015 415 210
2014 380 274
2013 270 269

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

USAA Safeco
USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app 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

USAA Safeco
USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.

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.