Safeco vs. Commonwealth Insurance Car Insurance | GetJerry.com (2024)

With so many insurance companies out there, it’s hard to know where to start when looking for auto insurance coverage. That’s why Jerry turned to the experts to help compare these two providers.

The table below compares ratings from the following five experts to give you a quick snapshot of each company’s strengths and weaknesses:

Here's how to interpret these scores:

• Better Business Bureau (BBB): BBB ratings rank a company’s interactions with its customers on a scale from A+ to F.

• National Association of Insurance Commissioners (NAIC): The NAIC is a regulatory body that evaluates the risk of insurance companies from NAIC-1 (safest) to NAIC-6 (extremely risky/close to default).

• Clearsurance: Clearsurance is an independent insurance marketplace that gives ratings on a five-point scale based on customer reviews.

• J.D. Power: In addition to reviewing cars, J.D. Power rates customer satisfaction for insurance companies on a 1,000-point scale.

• A.M. Best: The world’s largest credit rating agency focused on the insurance industry, AM Best rates companies on financial stability, risk management, and market position with grades from A++ to D-.

How much does Safeco and Commonwealth Insurance car insurance cost?

One of the biggest choices when picking an auto insurance policy is minimum coverage vs. full coverage. In general, a policy with collision and comprehensive insurance will cost more than one that only includes your state’s minimum liability limits—but which company offers a better average rate for each type of coverage?

Compare Safeco and Commonwealth Insurance insurance cost after DUI

Commonwealth Insurance is the most cost effective option after a DUI. If you’ve got a DUI on your record, you’re likely paying more than the average rate for car insurance. That’s because insurance companies take violations like DUI very seriously and raise rates for drivers they see as high-risk. But a DUI conviction might not carry the same weight with every company: see which provider is better for drivers with a DUI below.

Compare Safeco and Commonwealth Insurance insurance cost after speeding ticket

Commonwealth Insurance offers the cheapest insurance after a speeding ticket. Most drivers will exceed the speed limit at some point, whether by accident or on purpose. But your need for speed can raise your insurance rate if you’re caught traveling over the speed limit—particularly if it happens more than once in a short time. See how your rate could change with each provider below.

Compare Safeco and Commonwealth Insurance insurance cost after an accident

Accidents happen. In fact, statistics show that the average driver will be in three to four car accidents over the course of their life. Your insurance policy will come to the rescue when that happens, but your premium is likely to rise after a claim. However, insurance companies won’t all raise your rate by the same amount, and some even have accident forgiveness for certain cases. If you have accidents on your record, Commonwealth Insurance will likely offer the lowest rates of the two.

Compare Safeco and Commonwealth Insurance insurance rates for teens

If you’re getting ready to purchase your first-ever auto insurance policy—or preparing to add a teen to your existing policy—you probably already know that you’re looking at elevated premiums. Because teen drivers lack experience and have a statistically higher rate of both accidents and violations, insurance companies charge more—but which company charges the most for teen drivers?

Compare Safeco and Commonwealth Insurance insurance rates by credit score

You’re probably aware of how your credit score impacts your car payments—but did you know it can also influence the auto insurance quotes you get from different companies? See how these two insurers deal with applicants in different credit brackets below.

Compare Safeco and Commonwealth Insurance insurance rates for seniors

Teens aren’t the only age group with special concerns when it comes to auto insurance. If you’re looking for affordable car insurance coverage as a senior, you need a company that offers the best rates for drivers past age 55. Between Safeco and Commonwealth Insurance, that's Commonwealth Insurance. As an example, let’s look at the average rates for a 60-year-old man and woman from the two providers below.

Best car insurance discounts: Safeco vs. Commonwealth Insurance

Safeco offers more discounts to their policyholder than Commonwealth insurance. Safeco has a fairly average selection of popular car insurance discounts to choose from, while Commonwealth provides limited opportunities to save money.

Generally speaking, qualifying for car insurance discounts can be an easy and painless way to cut your total car insurance costs. It could be worthwhile to find a provider that offers the type of deals that work for you.

Here’s a comparison of the driver-, vehicle-, and policy-based discounts each insurer offers.

Usage-based discounts

You might also want to consider signing up for a usage-based discount program for a chance to earn policy discounts or rewards.

These programs seek to get a more accurate account of how you drive and reward safe drivers with more affordable premiums. They often use telematics to look at basic driving behaviors like driving speed, braking, and phone usage. However, some programs only focus on mileage.

Between Safeco and Commonwealth Insurance, neither company currently offers usage-based discount programs.

Best car insurance coverage options

Safeco and Commonwealth Insurance both offer a pretty good selection of coverage upgrades, but Safeco wins out here.

Of the 12 policy upgrades we’ve checked out here, Safeco offers all 12 and Commonwealth Insurance offers eight.

Here are some helpful points to keep in mind:

• Only Safeco’s new car replacement insurance will ensure that newer vehicle models are replaced rather than the usual payout following a total loss.

• Both Safeco and Commonwealth Insurance provide custom parts and equipment or sound system insurance to protect non-factory vehicle components that are often valuable.

• Another unique offering through Safeco is pet injury protection insurance that will provide veterinary coverage up to your policy limit if your pet is injured in a car accident.

Here’s a rundown of the coverages offered by each:

Additional products offered by Safeco and Commonwealth Insurance

You can get additional insurance products through either Safeco or Commonwealth Insurance. Between the two, Safeco has a wider selection of additional products available.

Bundling policies to save money can be a great way to cut your total insurance costs if you buy more than just car insurance alone.

Here’s what you can get with each insurer:

Read real Safeco and Commonwealth Insurance reviews from Jerry users

But we’re not just concerned with what credit rating agencies and professional organizations have to say about these companies: for Jerry, our users are the ultimate experts. Here’s what Jerry users who got policies with each provider had to say about their experience.