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

Quick Facts

• In general, Safeway offers cheaper rates than Trexis
• Safeway offers more affordable prices for policyholders who have a short commute
• Trexis may help you save more money -- they offer more discounts than Safeway Insurance

Safeway or Trexis: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to Safeway or Trexis, but which carrier has less expensive premiums for car insurance?

As you can see, Trexis is around $26 more a month than Safeway when looking at the national average rates for auto insurance.

But that doesn't necessarily mean Safeway will be the more affordable option for every driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, where you call home, your age, or even your driving record (among other things), so rates will vary quite a bit from person to person.

Luckily, we've broken down average premiums from both Safeway and Trexis by a bunch of different rate factors, so read on to find out which company is the best for you.

Safeway vs. Trexis: Average Car Insurance Rates by State

Safeway and Trexis only compete against each other in one states, with Safeway offering cheaper prices to the average driver in all of them. Alabama has the most noticable difference, where Safeway rates are $163 less expensive than insurance premiums at Trexis.

That being said, there's a lot more that goes into your auto insurance payment than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. For example, 18-year-old drivers pay an average of over 10% less per month by choosing Safeway over Trexis.

That being said, both companies will reduce prices by the time drivers turn 25. Trexis offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Safeway still has the cheapest rates at $179 per month.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you'll ever see.

So, which carrier offers the best prices to retired drivers? Safeway gets the edge, with rates for drivers 65 and older $35 more affordable than the national average for Trexis.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more expensive for those who are single than they are for married policyholders. That's because policies for married drivers generally cover multiple vehicles, which lots of carriers will give you a discount for.

For single policyholders, the difference in average premiums between these two companies is significant, with Safeway prices coming in at about 10% less than Trexis's. The advantage is also clear for married couples - Safeway offers the lowest average rates.

Safeway or Trexis: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they have a decreased chance of filing a claim with insurance. So, women typically pay less for insurance than men.

With Safeway, women normally pay almost 10% a month less than men, but with Trexis, the difference is closer to 9% per month.

When it comes to the cheapest premiums for each gender, Safeway comes out on top for both men and women, with average rates $27 less for men and $25 cheaper for women.

Safeway vs. Trexis: 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.

Car insurance can be a complicated subject for most people. There are lots of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

When it comes to state minimum liability insurance, Trexis has the edge, while Safeway offers the most affordable average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $20 with Trexis Insurance, while full coverage comes out to be around $75 less expensive with Safeway Insurance.

Is Safeway or Trexis Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and at-fault collisions lead to higher premiums, but which company -- Safeway or Trexis -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Safeway for their auto insurance can generally expect their monthly bill to go up about 4% after getting a speeding ticket. Trexis policyholders can expect a bit more drastic of an increase of around 19%.

However, Safeway is usually the cheaper option for drivers both with a ticket and with a clean record. With Safeway Insurance, drivers with a clean record can save about $19 a month and drivers with a speeding ticket can save around $55 per month.

Which Company is Best for Drivers After an Accident?

Safeway policyholders who get in a collision can expect to see their prices rise by over 25%, while those who have insurance through Trexis will see about a 25% increase.

At the end of the day, Safeway offers the most affordable premiums for drivers with an at-fault collision on their records, with average prices coming in at $223 compared to Trexis Insurance's $247.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Safeway drivers usually see a 26% raise in their car insurance rates after a DUI charge, while Trexis will typically increase premiums by around 19%.

But if you end up with a DUI charge and are looking for more affordable rates, Safeway tends to be more affordable for the average driver, with monthly premiums coming in at about $220 to Trexis's $226.

How does Credit Score Impact Safeway and Trexis Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it does affect a lot of drivers out there.

The reasoning auto insurance companies 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.

Looking specifically at Safeway and Trexis, which one has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Safeway will usually reward you the most. For policyholders with "excellent" credit scores, Safeway comes in NaN cheaper. Drivers with "good" credit scores normally save around 10% with Safeway compared to average prices from Trexis.

Which Company is Best for Drivers with Bad Credit?

Safeway typically offers lower premiums than Trexis when it comes to drivers with bad credit. Drivers with "fair" credit pay about 12% a month less with Safeway compared to Trexis, and those with "poor" scores generally save an average of around 22% a month.

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

The amount of time you spend behind the wheel of your car plays a big role in how much insurance carriers will charge for coverage. Typically, those who drive less will end up with less expensive rates since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Safeway or Trexis report increasing premiums for drivers with higher annual mileage figures. Safeway comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average prices of $194 per month for both.

Safeway or Trexis: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a substantial impact on your monthly car insurance cost. Usually, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the road where they live, which lowers the chances of an accident.

Safeway boasts the cheapest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Safeway Insurance's average premiums are about $36 less than Trexis Insurance. People who live in suburban areas pay around $22 less with Safeway compared to Trexis. Those in rural areas can expect to save about $21 with Safeway compared to Trexis.

Safeway vs. Trexis Discounts

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

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Safeway and Trexis so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Trexis has the advantage when it comes to total number of discounts. Safeway offers a grand total of 11 discounts, while Trexis has 16.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a homeowner, and discounts for insuring multiple cars with the same company. Trexis also offers discounts for advance quote, driver training, education, and more.

On the other hand, Safeway has a few proprietary discounts of their own for things like full coverage discounts, military discounts, punitive damage exclusion discounts, and more.

Final Thoughts: Is Safeway or Trexis Best for You?

So, we've broken down the average rates for many of the variables car insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the right company for you and your specific needs?

Safeway might be best for you if....

• Your driving record includes a DUI charge.
• You have less-than-stellar credit.
• You want to save money while purchasing insurance for a teenager.

Trexis might be best for you if...

• You want to save extra money with discounts.
• You're looking for the best premiums on liability only coverage.

Hopefully, this guide helps you get a good idea of the differences between Safeway and Trexis. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Safeway and Trexis. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Safeway vs. Trexis FAQs

Is Safeway or Trexis cheaper?

Safeway is the more affordable of the two carriers when looking at national average prices, with policies averaging $194 a month with Safeway and $220 for Trexis. That being said, that doesn't mean Safeway will be the most affordable company for each driver, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Safeway or Trexis?

Unfortunately, the real answer is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Safeway and Trexis offer me different rates?

Insurance companies use many different variables when determining the rates they charge. Factors such as age, where you live, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Safeway and Trexis calculate premiums using different variables, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies 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 area information and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Safeway or Trexis at all, but another you hadn't even thought of!

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.