Auto Insurance Comparison
Quick verdict
Safety edges ahead Pekin 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.
| Safety | Pekin | |
|---|---|---|
| Overall score | 4.00 /5 ★★★★★ Highest overall | 3.85 /5 ★★★★★ |
| Best for | Safety Insurance has been a Massachusetts mainstay since 1979 and competes seriously in MA, NH, and ME | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint |
| Read full review | Safety review → | Pekin review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Safety | Pekin |
|---|---|---|
| Customer experience | 4.20 | 4.00 |
| Coverage breadth | 4.00 | 3.80 |
| Affordability | 3.80 | 3.70 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Safety
Full review →Pros
- Strong Massachusetts market presence with deep regulatory expertise
- Solid customer satisfaction reputation in operating states
- Competitive bundling discounts when combined with home insurance
- Local agent network with strong state-specific knowledge
Cons
- Only available in MA, NH, and ME
- Mid-market pricing, not a low-cost option
- Limited national brand recognition
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
Coverage at a glance
What each carrier offers in standard policies.
Safety
Pekin
The bottom line
Safety
Safety is a fine choice for Massachusetts drivers in particular. Outside MA/NH/ME, it isn't relevant.
Read the full Safety reviewPekin
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 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.