Auto Insurance Comparison
Safeco vs National General
Side-by-side comparison of Safeco vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Safeco edges ahead National General in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Safeco | National General | |
|---|---|---|
| Overall score | 3.70 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Safeco Insurance is Liberty Mutual's independent-agent brand — same parent company, different distribution model | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | Safeco review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Safeco | National General |
|---|---|---|
| Customer experience | 3.60 | 3.40 |
| Coverage breadth | 4.00 | 3.70 |
| Affordability | 3.50 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Safeco
Full review →Pros
- Shoppers hunting for deals.
- Those who drive passengers for profit (in certain states)
- Those searching for a house and vehicle insurance package
Cons
- People who want to get the best customer service and claims experience available
- People who decline to bundle their coverage
- People only interested in basic coverage
National General
Full review →Pros
- Available in all 50 states for non-standard auto
- Strong specialty lines including RV and motorcycle insurance
- Backed by Allstate financial strength
- Accepts SR-22 and high-risk profiles
Cons
- Customer satisfaction trends below industry averages
- Not competitive for standard-risk drivers
- Coverage menu varies meaningfully by state and risk profile
Coverage at a glance
What each carrier offers in standard policies.
Safeco
National General
The bottom line
Safeco
Safeco is a fine choice if you're working with an independent agent — they can compare it against other carriers in real time. Direct shoppers will get the same financial backing through Liberty Mutual.
Read the full Safeco reviewNational General
National General fits the non-standard niche or specialty needs (RV, motorcycle). Standard-risk auto shoppers will find better rates and service at mainstream carriers.
Read the full National General reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.