Would you choose a good reputation over slow service? If so, Safeco might be the right choice for you.
Who Benefits Most and Least from Safeco Insurance?
- People who drive fewer than 10,000 miles a year
- Rideshare drivers
- Customers interested in bundling with other insurance products
Not the Best For…
- People who value quick responses and turnaround times
- Younger, inexperienced drivers
- People looking for the best bargain
Safeco: A Liberty Mutual brand that runs hot and cold
Available in most states, Safeco is a well-regarded nationwide insurance company whose name will sound familiar to people living in the Seattle metro. Although the company offers some decent discounts for good drivers, bundlers, and other populations, its slow claims process draws criticism from existing policyholders. Safeco isn’t the cheapest brand, either—but many people find that its unique coverage options (and national name recognition) more than make up for the cost.
Safeco Car Insurance Ratings
Insurify Composite Score: 85 out of 100.
This score is the result of analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews.
U.S. Auto Insurance Shopping Study (2018)
Overall Satisfaction About average
Call Center Representative The rest
Pricing About average
Local Agent Better than most
Policy Offerings About average
U.S. Auto Insurance Claims Satisfaction Study (2018)
Overall Satisfaction The rest
Repair Process The rest
Claim Servicing The rest
Settlement The rest
Rental Experience The rest
Estimation Process The rest
First Notice of Loss (FNOL) The rest
J.D. Power Ratings by Region (out of 1,000)
Region Ratings State Average
Southwest 792 The rest
Southeast 820 About average
Central 803 The rest
New England 796 The rest
Florida 825 About average
California 811 About average
North Central 803 The rest
Northwest 798 The rest
Company Name Ratings
A.M. Best A
Standard & Poor's A
Safeco Car Insurance Quotes and Discounts
Unlike consumer products, the price of auto insurance can fluctuate wildly between brands—which is why comparison shopping is so crucial.
With Insurify, you only need to answer a few simple questions about your car and your preferred coverage before being presented with several quotes from a wide variety of insurance companies. From there, you get to decide what makes the most sense for you.
Auto Insurance Quotes Comparison: Safeco vs. Competitors
Insurify’s data team compared Safeco’s auto insurance quotes to those of its competitors. Below are the quotes for a 42-year-old female driver from Texas who drives a 2010 Honda Civic and has a clean driving record:
These would be her quotes if she were to get a speeding ticket for driving 75 mph in a 50 mph zone:
These would be her quotes if she were at-fault in a collision accident with another car:
Finally, these would be her quotes if she were to add her 16-year-old child onto her auto insurance policy:
Drivers Can SAVE with these Discounts from Safeco
Safeco is relatively generous with its discount offerings. Some popular options include:
- Good credit discount: With a high enough credit score, some drivers can enjoy discounts of up to 73 percent.
- Multiple vehicle discount: Need to insure more than one car? Take a discount of up to 36 percent.
- Low mileage discount: If you’re retired or have a short commute, you can save up to 20 percent.
- Good driver discount: Using a combination of your driving history and telemetrics, safe Safeco customers can take up to 15 percent off each month.
- Multiple policy discount: Bundling your car insurance policy with other products like home or renters insurance could save you up to 14 percent off your premium.
- Anti-theft device discount: Cars equipped with anti-theft devices are often cheaper to insure with Safeco, which will give you 3 percent off your premium.
- Violation-free discount: Customers who remain violation-free for three years are eligible for a discount.
- Accident prevention discount: Drivers aged 55 and above who take an approved course on accident prevention will get a discount for three years.
- New teen driver discount: Those who have been Safeco policyholders for over two years are eligible for a discount when they add a teen driver to their policy.
- Advance Quote: Drivers who shop for their Safeco policy prior to their current policy ending are also eligible for a discount. If you’re unhappy with your current policy, make sure to check out our guide to switching car insurance.
Safeco offers additional discounts for taking a defensive driver course, paying in full, being a senior, staying on a Safeco policy for a long time, having anti-lock brakes, and having accident forgiveness coverage.
States Where Safeco Car Insurance is Offered
Safeco offers nearly-nationwide auto insurance coverage. It’s available in 46 states. The exempt ones? Delaware, Rhode Island, New Jersey, Hawaii, plus the District of Columbia.
Click here to find the cheapest car insurance quotes in your state.
Safeco Auto Insurance Coverages
When it comes to car insurance, Safeco insurance runs the gamut. Its coverage options include the following:
Bodily Injury Liability: This type of coverage, required in most states, pays (at least some of) the medical bills in case you injure someone in a car accident.
Property Damage Liability: Also required in most states, property damage liability offers coverage in case you damage property as the result of a car accident.
Comprehensive auto insurance coverage is necessary to insure your car against any non-collision incidents. Vandalism, theft, and even damage caused by inclement weather (like hail) all fall under the umbrella of “comprehensive coverage.”
Collision coverage is exactly what it sounds like—insurance in case of a car accident, from a minor fender-bender to a more major accident.
Other Special Auto Coverages Offered by Safeco Insurance
Looking for bells and whistles? Safeco auto insurance offers a few extra options for qualified customers. These include:
Adding roadside assistance to your Safeco insurance policy is relatively inexpensive and can really come in handy if you’re ever stranded. With this addition, help is only minutes away in case of a flat tire, dead battery, or other mechanical issues that leave you stuck on the side of the road.
First Aid Reimbursement
First aid reimbursement is a coverage option that gives you a little extra incentive to be a good Samaritan. If you’re involved in an accident and administer first aid to an injured party, Safeco may reimburse you for up to $10,000.
Rental Car Reimbursement
If an accident puts your own car out of commission, Safeco will help you pay for a rental car. Safeco also offers what it calls its Safeco Claims Valet Service, in which a driver brings a rental vehicle to you and also drives your damaged vehicle to the shop. If you’re a busy person, this type of concierge service can be a big help.
Electronic Key and Lock Replacement
This bonus coverage covers the full cost of replacement if your keys are lost or stolen. Coverage includes keys as well as electronic fobs.
If your dog or cat is in the car when you have an accident, Safeco’s pet coverage can pay for some or all of the resulting veterinary bills.
Emergency Assistance Coverage
Involved in an accident far from home? Safeco’s emergency assistance coverage will provide up to $500 for expenses like lodging, food, and transportation. Personal items that are lost or stolen from your car are also covered.
Safeco’s diminishing deductible policy is comparable to other companies’. For each year that you go without a claim, Safeco will take $100 off your deductible—for a maximum of five years.
Other Insurance Products Offered by Safeco Insurance
Safeco doesn’t just provide car insurance. It offers a full range of insurance products, including:
- Motorcycle insurance: If you have the need for speed, Safeco has you covered.
- Classic car coverage: Your vintage and antique car can be handsomely covered with Safeco. This type of coverage also comes with a range of discounts.
- Homeowners insurance: Your condo, single-family, or mobile home is covered with a Safeco homeowners policy.
- Renters insurance: If you rent, this type of policy protects your belongings in case of theft, vandalism, or damage from things like fires and floods.
- Umbrella insurance: Need a little extra cushion? An umbrella policy makes it easy to get maximum peace of mind and fill in the gaps if your standard policy falls short.
- Boat and watercraft insurance: Maximize your fun in the sun with coverage for your boat, Jet Ski, or other vehicles.
How Can I Buy Auto Insurance from Safeco?
Safeco works exclusively through independent agents. If you’re ready to purchase a policy, you can do so by entering your ZIP code on Safeco’s website and finding an agent in your area. From there, contact the agent and get started.
But Safeco’s website can only show you Safeco quotes. Alternatively, you could use Insurify to compare auto insurance quotes between Safeco and up to 20 other insurance companies!
How Can I Pay for My Safeco Car Insurance Policy?
Safeco customers can pay bills through the secure customer portal on Safeco’s website, as well as through its highly-rated mobile app.
Of course, paper billing is also available if you’d like to pay by mail.
How Often Will Safeco Increase My Premiums?
Safeco users frequently report unexpected rate increases, as well as increases after a claim.
Although Safeco does offer accident forgiveness, not all customers are qualified. In most cases, a policyholder must have been a Safeco customer for a set number of years before being eligible for accident forgiveness.
How Does Safeco’s Claims Process Work?
To file a claim online, you’ll need to log in to Safeco’s website. You may also file your claim through Safeco’s mobile app or by reaching out to your local agent.
If you have a glass claim, you’ll need to file through a third party, Safelite Solutions, to complete the process.
How Can I Cancel My Safeco Car Insurance Policy?
If you need to cancel your Safeco policy for whatever reason, you can do so online or through your local agent. If you speak to an agent, be aware that you’ll probably get a sales pitch—insurance companies will work very hard to retain existing customers.
Don’t forget to have a new car insurance policy set up before you cancel to avoid a potentially costly lapse in coverage.
How Much Does Uber/Lyft Coverage Cost with Safeco?
One area where Safeco shines is in rideshare coverage. Available in 13 states, Safeco is an excellent option for rideshare drivers because coverage automatically switches to business coverage whenever they use their Uber or Lyft apps.
This means that any incidents that happen while on duty won’t be reflected in their personal auto policies.
For about 10 extra dollars a month, drivers can purchase additional coverage that protects them when they’re switching between customers too.
Insurance Companies Similar to Safeco
Because Liberty Mutual is Safeco’s parent company, you’ll find a substantial overlap in services between the two companies.
Safeco is also comparable to other insurance companies that operate exclusively through independent agents, such as Erie.
Keep in mind that many of these types of businesses typically service smaller regions than Safeco does.
According to Insurify’s internal database of over 1.6 million car insurance applications and our analysis of external sources, drivers who now hold Safeco auto insurance often switched from the following companies:
- State Farm
We also found that people who previously held Safeco auto insurance often switched to the following companies:
- Liberty Mutual
Safeco Customer Satisfaction and Policyholder Reviews
Safeco policyholders seem to run hot and cold—they’re either very satisfied or highly dissatisfied, with few middling reviews around the internet. Reddit user u/yellowhairdontcare had only this to say:
“…I $%&@# love Safeco.”
Good reviews mention the ease with which customers were able to purchase a policy and switch over from other companies. Some also say they are pleased with Safeco’s customer service.
Safeco policyholders seem happiest when they’re not dealing with any claims. Although many users enjoy the personal aspect of dealing with a single local agent, many are dissatisfied with slow claims service and less communication than they’d like. Additionally, Safeco’s surprise rate hikes (on top of already-pricey premiums) leave some customers feeling cold.
Safeco Mobile App Review
Safeco’s mobile app is available on both iOS and Android.
With just over 5,000 reviews, the app boasts nearly five stars on the Apple app store, but barely makes the grade on the Google app store, where 448 users gave the app a measly 2.2 stars.
Most Apple users enjoy the ease of use and policy availability on the go. Others, however, are dissatisfied with the app’s performance on newer phone models. Meanwhile, Android users feel the app is clunky and outdated, and complain about constant crashing and glitches.
App store Ratings (Out of 5) User reviews
Mobile App (iOS) 4.7 5,364
Mobile App (Android) 2.3 448
Available in select states, Safeco also offers a telematics-based safe driving app called RightTrack. The app, which Liberty Mutual also offers, tracks your driving habits over 90 days and dishes out discounts based on how safely you drive. The app determines how safely you drive based on factors like your braking, acceleration, night-time driving, and total miles driven.
You could get a discount of anywhere between five percent and 30 percent off your annual premium after enrolling in the RightTrack program. You also get a discount just for enrolling!
The app-based program is only available in select states, so you’ll have to check in with your independent agent to see if you’re eligible. If the app isn’t available in your state, you could sign up for the plug-in device program, and Safeco will mail you a tracking device you can attach to your dashboard or rearview mirror.
Reviews for the RightTrack program were generally quite good, and the app is highly rated on both the Apple and Google app store.
Bad reviews complain that the app and device inaccurately logged in information about braking and acceleration, and didn’t take into account circumstances, such as speeding up to merge onto a highway. Those who left good reviews, however, were quite happy with their discount and said the app made them safer drivers.
|App store||Ratings (Out of 5)||User reviews|
|Mobile App (iOS)||4.5||1,739|
|Mobile App (Android)||4.2||196|
Frequently Asked Questions: Safeco Car Insurance
Can I save money if I bundle with Safeco?
Yes, you can absolutely save money if you bundle policies with Safeco. Because Safeco offers a relatively wide breadth of insurance products, bundling policies into a single Safeco package can save you quite a bit of money on your monthly premiums.
Where is Safeco headquartered?
Safeco is based in Seattle, Washington. If you’re a Mariners fan, you may remember when T-Mobile Park was known as Safeco Field. The field changed hands in 2019.
How do I know whether Safeco insurance company is the best option for me?
Only you can decide whether a given insurance company is the best choice for you. But Insurify can help you answer that question with up to 20 free quotes from different insurance companies. Just provide a few details about yourself, your car, and your desired coverage, and we’ll show you how Safeco stacks up against competitors.
Is Safeco the cheapest car insurance in your area?
Safeco might be the cheapest car insurance option you have! It might not! The only way to really know how much Safeco can save you is with a quote.
You can get one right here with Insurify in a matter of minutes. Just enter in some details about you, your vehicle, and the type of coverage you want, and get an array of quotes from insurance companies competing for your business.
Safeco Auto Insurance Overview
Founded in Seattle in 1923, Safeco was initially known as the General Insurance Company of America. Later, General Insurance established the Selective Auto and Fire Ensurance Company of America, or S.A.F.E. Co.
In 2008, Safeco was acquired by the Liberty Mutual Group, one of the nation’s top major insurers. Safeco operates exclusively through a network of independent insurance agents in 46 states. In addition to auto insurance, Safeco offers home insurance, renters insurance, pet health insurance, and other types of policies.
The company has an A.M. Best rating of “A,” signaling excellent financial strength.
Safeco Contact Information
Customer service 1 (800) 332-3226
To file a claim 1 (800) 332-3226
To pay your bill over the phone 1 (888) 723-3260
Safeco headquarters address Safeco Insurance
1001 Fourth Ave.
Seattle, WA 98154