Omni vs. Safeway: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Omni offers slightly more affordable prices than Safeway
• Omni offers cheaper average rates for drivers who have an at-fault accident on their record
• Safeway has less expensive prices for policyholders who haven't received any speeding tickets or been in an accident in the last few years

Omni vs. Safeway: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Omni or Safeway as your top options, but which company will offer you more affordable rates?

Looking at nationwide averages, Omni is about $13 per month cheaper than Safeway.

But that doesn't necessarily mean Omni will be the less expensive option for every driver. Insurance companies vary their premiums depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and all sorts of other factors, so prices will vary quite a bit from person to person.

So, if you want to find out which of Omni or Safeway is really the best for you, keep reading to see average rates for each carrier broken down by a bunch of different rate factors.

Omni or Safeway: Average Car Insurance Rates by State

Omni and Safeway only compete against each other in one states, with Safeway offering more affordable premiums to the average driver in all of them. Alabama has the most noticable difference, where Safeway rates are over 30% cheaper than car insurance prices at Omni.

That being said, there are plenty of other factors that go into your auto insurance cost than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any other group of drivers out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Safeway for their insurance pay more than $15 less than those who use Omni.

Even so, with both carriers, you'll see your rates drop significantly once you turn 25. For example, average prices for Omni policyholders reduce over 70% and Safeway's premiums lower more than 60% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable auto insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

But who has the best prices for retired drivers between Omni and Safeway? Omni gets the slight edge here, with average premiums coming in at around $132 per month compared to Safeway's $136. However, that difference is less than 5%, which means it ultimately will come down to other factors, such as your driving record is or your credit score.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be less expensive for married couples than they are for single drivers. This usually boils down to married drivers having more than one car on their policy -- something quite a few auto insurance companies will reward with discounts.

If you're in the market for car insurance, Omni tends to have the cheapest average prices regardless of relationship status, with prices nearly $15 cheaper for married policyholders and over $10 less expensive for those who are single.

Omni vs. Safeway: Average Rates by Gender

Men tend to pay more for auto insurance than women. This is because men are more likely to get tickets and get into collisions, which increases the chances of an insurance claim.

Men normally pay almost 10% more a month than women with Omni, while with Safeway, the difference is closer to 9% per month.

Looking at the data for each company specifically, Omni comes out on top for both men and women, with average premiums $14 less for men and $11 cheaper for women.

Omni or Safeway: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different terms and limits that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).

If you're looking for state minimum liability insurance, Omni typically offers more affordable rates of $104 compared to Safeway's $130. When it comes to full coverage policies with similar limits, Omni again has the edge, with policies about $0 a month less expensive than Safeway, on average.

Is Omni or Safeway Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and at-fault accidents lead to higher prices, but which carrier -- Omni or Safeway -- has the lowest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Omni policyholders can expect their rates to go up an average of $7 per month if they get a ticket, while Safeway normally raises prices around $7 a month, on average.

That being said, Safeway has more affordable rates for drivers in both categories, offering prices that are 3% and 3% cheaper, respectively, compared to Omni Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault collision with Safeway raising by $60. Omni has a less extreme increase, but you can still expect to pay $35 more than you were prior to your first accident.

Overall, the more affordable prices come from Omni, with monthly premiums averaging $203 compared to Safeway Insurance's $223.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. Safeway drivers usually see a 26% climb in their auto insurance rates after a DUI charge, while Omni will usually increase premiums by about 6%.

If you have a DUI on your record and are looking for more affordable prices, Omni tends to be the much less expensive option with average rates of $178 monthly compared to $220 from Safeway.

How does Credit Score Impact Omni and Safeway Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly car insurance prices. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it does affect many drivers out there.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the most affordable rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Omni. Drivers with "excellent" credit can save over 15% compared to Safeway, and those with "good" scores can also expect to see savings -- around $19 or 10% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about $9 less with Omni than Safeway, but those whose credit is considered "poor" have it flipped -- saving around $9 per month with Safeway.

Is Omni or Safeway Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly auto insurance bill. Typically, the more miles you put on your car each year, the more you can expect to pay for coverage.

In this case, neither Omni or Safeway report increasing prices for drivers with higher annual mileage figures. Still, Omni comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average rates of $181 a month for both.

Omni vs. Safeway: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a considerable impact on your monthly car insurance payment. Generally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads in those areas.

Omni normally comes out as the less expensive option for drivers in rural and suburban areas, while Safeway wins in urban areas.

Those in rural areas can expect to pay about $134 a month with Omni compared to Safeway's $146. Drivers in suburban ZIP codes pay around $143 with Omni compared to Safeway's $201 per month. For drivers in urban ZIP codes, Safeway's average premiums are about $234 per month compared to Omni's $267.

Omni vs. Safeway Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

In the section below, we've compared all of the different discounts offered by Omni and Safeway so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Overall, Omni has a slight advantage when it comes to total number of discounts. Safeway offers a grand total of 11 discounts, while Omni has 13.

A couple of those are overlapping for things like agency transfer discounts, discounts for being a defensive driver, and discounts for insuring multiple cars with the same company. Omni also offers advance quote discounts, anti-theft discounts, cellphone safety discounts, and more that Safeway does not.

On the flip side, Safeway has a couple unique discounts of its own -- full coverage discounts, discounts for being a good student, military discounts, and more.

Final Thoughts: Is Omni or Safeway Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which carrier is the right carrier for you, your vehicle, and your wallet?

Omni might be best for you if....

• You're single and purchasing insurance by yourself.
• You want basic auto insurance coverage at the state minimum limits.
• You don't spend much time in your car.

Safeway might be best for you if...

• You have received a ticket within the last few years.
• Your home is in a busy urban area.
• You're buying insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a better idea of the difference between Omni and Safeway. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Omni and Safeway. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Omni vs. Safeway FAQs

Is Omni or Safeway cheaper?

Looking just at the national average rates, Omni is the cheaper of the two companies, offering average rates of $181 a month compared to $194 for Safeway. However, Omni won't necessarily be the lowest company for every driver, since there are a range of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Omni or Safeway?

Sadly, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Omni offers more affordable prices for drivers with an at-fault accident on their record, while Safeway is less expensive for drivers who have less-than-stellar credit scores.

Why do Omni and Safeway offer me different rates?

Car insurance carriers take a look at several different factors when calculating the premiums they charge policyholders. Things like your driving record, gender, age, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Omni and Safeway calculate rates using different variables, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from many different companies.

How do I know if Omni or Safeway is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best company for you might not be Omni or Safeway at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.