Pekin vs. Safe Auto: Which Company is the Best Fit for You?

Quick Facts

• In general, Pekin offers significantly cheaper prices than Safe Auto
• Pekin tends to be a much more affordable option for drivers who have an at-fault accident on their record
• Safe Auto offers more discounts than Pekin Insurance

Pekin vs. Safe Auto: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering considerable discounts. But exactly how much can you save by switching?

You might have narrowed it down to Pekin or Safe Auto as potential options, but between the two, which one has less expensive premiums for auto insurance?

As you can see, Pekin has average rates that are about 65% per month more affordable than those from Safe Auto when looking at the national average rates for insurance.

Even so, that doesn't mean Pekin will necessarily be cheaper than Safe Auto for every driver. Car insurance companies vary their rates depending on things like how clean your driving record is, where you live, how good your credit score is, how old you are, and a variety of other factors, so premiums will change quite a bit from person to person.

So, if you want to find out which of Pekin or Safe Auto is really the best for you, keep reading to see average prices for each carrier broken down by lots of different rate factors.

Pekin or Safe Auto: Average Car Insurance Rates by State

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But there's more to calculating auto insurance prices than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers out there on the road. It's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Pekin for their insurance pay more than $250 less than those who use Safe Auto.

However, both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Pekin policyholders drop over $100 and Safe Auto's premiums reduce nearly $250 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you can find.

So, which company offers the best rates to retired drivers? Pekin gets the edge here, with average premiums coming in at around $58 a month compared to Safe Auto's $179.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly less expensive car insurance prices than single drivers. This usually boils down to married couples having more than one car on their policy -- something lots of insurance companies will reward with discounts.

When it comes to relationship status, Pekin is the clear winner for single policyholders, with premiums about $171 a month cheaper than Safe Auto, on average. The advantage for married policyholders with Pekin is also obvious, where drivers save around $100 per month.

Pekin vs. Safe Auto: Average Rates by Gender

Men are statistically more likely than women to get into collisions and get tickets, which means they'll normally end up paying more for auto insurance than women.

On average, women see rates about 1% a month less with Pekin, while with Safe Auto, the difference is closer to 7% per month.

When it comes to the most affordable prices for each gender, Pekin comes out on top for both men and women. On average, male drivers save about $156 a month and women save around $140 with Pekin compared to the average Safe Auto policyholder.

Pekin or Safe Auto: 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.

It's no secret that car insurance can be pretty complicated. There are many different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

That being said, the 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 if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum liability limits, Pekin typically offers significantly more affordable rates of $46 compared to Safe Auto's $126. When it comes to full coverage policies with similar limits, Pekin again has the edge, with policies about $200 per month less expensive than Safe Auto, on average.

Is Pekin or Safe Auto Better for Drivers with Spotty Records?

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

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two carriers offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Pekin policyholders can expect their prices to go up an average of $13 a month if they get a ticket, while Safe Auto usually raises rates around $40 per month, on average.

But Pekin is generally the cheaper option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save about $126 a month and drivers with a ticket can save around $153 per month with Pekin Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault collision with Safe Auto increasing by over $65. Pekin has a less extreme increase, but you can still expect to pay just under $20 more than you were prior to your first accident.

Overall, the more affordable prices come from Pekin, with monthly rates averaging $73 compared to Safe Auto's $246.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than an accident or speeding ticket. Safe Auto drivers usually see a 27% increase in their auto insurance prices after a DUI charge, while Pekin will generally raise premiums by about 48%.

How does Credit Score Impact Pekin and Safe Auto Rates?

Did you know that many car insurance carriers take your credit score into account when calculating rates? Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect several drivers out there.

The reasoning insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will normally be forced to pay more.

So, which carrier offers the cheapest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Pekin or Safe Auto Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on how much car insurance companies will charge for coverage. Typically, the more miles you drive, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Safe Auto charges. However, there's a significant difference in monthly rates for Pekin, with drivers who put 6,000 miles on their car annually paying around $13 less each month compared to those who drive 12,000 miles yearly. Still, Pekin is the less expensive option for drivers in both categories.

Pekin vs. Safe Auto: Compare Rates for Urban, Suburban, and Rural Drivers

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

When comparing these two carriers side-by-side, Pekin usually comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, Pekin's average prices are about $85 a month compared to Safe Auto's $271. People in suburban areas pay around $68 with Pekin compared to Safe Auto's $200 per month. Those in rural areas can expect to pay about $70 monthly with Pekin compared to Safe Auto's $197.

Pekin vs. Safe Auto Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Below, we've taken a look at all of the different discounts Pekin and Safe Auto offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Safe Auto has the advantage when it comes to total number of discounts. Pekin offers a grand total of 10 discounts, while Safe Auto has 14.

There are a couple discounts both companies offer, but Safe Auto also offers agency transfer discounts, claim free discounts, driver training discounts, and more that Pekin does not.

On the flip side, Pekin has a couple unique discounts of its own -- advance quote discounts, EFT discounts, discounts for being a good student, and more.

Final Thoughts: Is Pekin or Safe Auto Best for You?

So, we've broken down the average premiums for many of the factors auto insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the best company for you and your specific profile and needs?

Pekin might be best for you if....

• You're single and purchasing insurance by yourself.
• You're looking for more protection with "full coverage" car insurance.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Safe Auto might be best for you if...

• You value the experience that comes with a large national insurance carrier.
• You're looking for the company with the most discounts.

We hope this guide helps you get a better idea of the difference between Pekin and Safe Auto. 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 sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Pekin and Safe Auto. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Pekin vs. Safe Auto FAQs

Is Pekin or Safe Auto cheaper?

Looking just at the national average rates, Pekin is the cheaper of the two companies, offering average rates of $74 per month compared to $223 for Safe Auto. However, Pekin won't necessarily be the lowest carrier for everyone, since there are a variety of different variables that are considered when it comes to your car insurance payment.

Who is better, Pekin or Safe Auto?

Unfortunately, the only answer we can give you is "it depends.". One company is not "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Pekin and Safe Auto offer me different rates?

Insurance carriers take a look at a lot of different factors when determining the premiums they charge drivers. Variables like age, your driving record, gender, where you park your car, and sometimes even things like your credit score can all come into play. Both Pekin and Safe Auto calculate prices using different factors, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Pekin or Safe Auto is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be Pekin or Safe Auto 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.