Auto Insurance Comparison
Quick verdict
Pekin edges ahead Safeco 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.
| Pekin | Safeco | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.70 /5 ★★★★★ |
| Best for | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint | Safeco Insurance is Liberty Mutual's independent-agent brand — same parent company, different distribution model |
| Read full review | Pekin review → | Safeco review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Pekin | Safeco |
|---|---|---|
| Customer experience | 4.00 | 3.60 |
| Coverage breadth | 3.80 | 4.00 |
| Affordability | 3.70 | 3.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Pekin
Full review →Pros
- Mutual structure — policyholder-aligned ownership
- Strong Illinois market presence with deep state-specific expertise
- Multi-line bundling discounts when combined with home or life
- Solid customer satisfaction in operating states
Cons
- Only available in IL, IN, IA, OH, and WI
- No online quoting — every policy through an agent
- Pricing is mid-market, not a budget choice
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
Coverage at a glance
What each carrier offers in standard policies.
Pekin
Safeco
The bottom line
Pekin
Pekin is a fine regional choice in its five operating states, particularly Illinois. Outside that footprint, it isn't an option.
Read the full Pekin reviewSafeco
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 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.