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Safeco Car Insurance Review (With Quotes, 2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Maria Sanchez

By: Maria Sanchez

Edited by Jackie Cohen

Updated August 31, 2022

A member of the Liberty Mutual Insurance Group, Safeco offers insurance products that include auto, homeowners, and more. The average cost of an auto insurance policy with the company is around $173 per month, higher than the national average. If you want to know if a Safeco policy is a good fit for you, talk to a Safeco agent, or keep on reading.

With hundreds of car insurance companies in the market and millions of quotes being offered, how do you know if Safeco auto insurance is right for you? This is where Insurify can help. In just minutes, we help you compare quotes that fit your unique needs and profile. Our tools do all the work of sifting through auto insurance rates so you don’t have to. Get your free quote today!

Safeco in a Nutshell

  • The average cost of car insurance with Safeco is $173 per month.

  • Safeco is good for rideshare drivers, low-mileage, and policyholders who are interested in bundling their auto and home insurance.

  • Safeco isn't the best option for younger drivers and those looking for the cheapest car insurance rates.

Safeco Industry Rankings and Scorecard

As an insurance provider, Safeco is generally reliable, especially as it operates under its giant parent company, Liberty Mutual. Headquartered in Seattle, the company operates in 46 states and has its pros and cons. According to most auto insurance reviews online, Safeco is about average when compared to other companies in terms of satisfaction, price, and policy offerings.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Industry RankingSafeco Rating
Insurify Composite Score (ICS)86 out of 100
J.D. Power802 out of 1,000
A.M. BestA
Moody’sA2
Standard & Poor’sA-
NAIC Complaint IndexMore complaints than average

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Safeco Car Insurance Quotes by Driver History

Like most other insurance providers, Safeco takes your driving habits and your unique driving into account when calculating costs. Insurers reward safe drivers with lower premiums because they know that a lower risk of claims and collisions will cost them less in the long run. If your driving record is full of accidents, consider an accident prevention course to bring down costs.

Driver ProfileSafeco Average Monthly PremiumNational Average
Clean Record$175$77
DUI$217$155
At-Fault Accident$232$113
Speeding Ticket$230$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: High-Risk Car Insurance

Safeco Car Insurance Quotes by State

Where you live—from your state down to your ZIP code—can impact how much you pay for your auto insurance policy. Residing in some states might cost more than others, and insurers determine this based on geographical location, the likelihood of accidents, population, the number of drivers on the road, and more. Safeco operates in 46 states, each with varying costs.

StateSafeco Average Monthly Premium
Alabama$163
Arizona$151
Arkansas$180
California$197
Colorado$214
Connecticut$195
Florida$278
Georgia$270
Idaho$116
Illinois$144
Indiana$131
Iowa$126
Kansas$161
Kentucky$209
Louisiana$280
Maine$113
Maryland$225
Michigan$205
Minnesota$149
Mississippi$157
Missouri$165
Montana$165
Nebraska$159
Nevada$235
New Hampshire$149
New Mexico$170
New York$296
North Carolina$160
North Dakota$167
Ohio$119
Oklahoma$152
Oregon$167
Pennsylvania$155
South Carolina$192
South Dakota$159
Tennessee$157
Texas$181
Utah$179
Vermont$103
Virginia$142
Washington$170
West Virginia$137
Wisconsin$125
Wyoming$116
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Safeco Car Insurance Pros and Cons

While the average cost of an auto insurance policy with Safeco runs a bit higher than others, there are some pros. The insurer is particularly good for providing coverage to motorists who drive fewer miles and policyholders who are interested in bundling, as Safeco offers a range of insurance products. Speak with an insurance agent if you want to learn more about the benefits.

Pros

  • Good for low-mileage drivers

  • Rideshare drivers who need rideshare coverage

  • Bundling discounts for policyholders who combine auto and other insurance policies

Cons

  • Auto policies are pricier than most

  • Not great for younger or newer drivers with little experience behind the wheel

  • Mediocre customer service reviews and ratings when it comes to filing claims

See More: Best & Worst Sites to Compare Car Insurance Quotes

Safeco Car Insurance Discounts

A policy with Safeco might run a bit pricier than with other companies, but its parent company, Liberty Mutual, brings national name recognition that helps make it feel a bit more trustworthy than other insurers in the market. It also offers decent discounts for safe drivers and policyholders who choose to bundle. Local agents can help talk you through the many options.

Driver-Based Discounts

Safeco is pretty generous with its discounts. Good drivers can be rewarded up to 15 percent off each month when they steer clear of accidents, and keeping their record free of violations for three years can also bring about some big savings. Safeco’s safe driving program, RightTrack, tracks policyholders’ driving habits to offer discounts. Even having antilock brakes is rewarded!

Teens usually face some of the highest premiums, but policyholders can get a discount when adding a teen driver to their policy or for having good students on the policy. They might also be interested in a multi-vehicle discount if they insure more than one car. Seniors, retirees, or those with short commutes may want to look into the low-mileage discounts to help them save money.

Policy-Based Discounts

Safeco offers an “advance quote” discount, which rewards drivers who shop for their Safeco policy before their current policy ends. If you’re unhappy with your current policy, make sure to check out our guide to switching car insurance. You can also speak with an independent agent, a type of insurance agent who sells insurance policies provided by several different insurers.

Bundling Discounts

From classic cars to RVs to motorcycles, Safeco covers a wide range of protection for various motor vehicles. In addition, the insurer also offers other products like renters insurance and homeowners insurance. People who choose to bundle their car insurance policy with other policies through Safeco can save up to 14 percent on their premiums. Loyalty reaps rewards!

Safeco Car Insurance Coverage Options

Generally, a standard auto policy with Safeco includes what you would normally find in most policies on the market: liability coverage that includes both bodily injury liability (to help pay for the other party’s medical payments after an accident) and property damage liability (in case someone’s personal property gets wrecked), as well as comprehensive and collision coverage.

Where Safeco really shines is through its rideshare coverage. Available in 13 states, Safeco’s rideshare coverage is a great option for rideshare drivers because coverage automatically switches to business coverage whenever they drive for work, like Uber or Lyft. This means that any incidents that happen while on the job are not reflected in their personal auto policies.

Roadside Assistance

For not too much extra in costs, policyholders can add roadside assistance to their policy to make sure they’re covered in case of an emergency. With this add-on, you have peace of mind knowing that help is only minutes away in case you get a flat tire, need towing, have a dead battery or need a jump, or encounter any other mechanical issue that leaves you stranded.

Diminishing Deductible

Safe drivers really reap rewards! For every year that you go without filing a claim, Safeco will take $100 off your deductible for a maximum of five years. This incentivizes people to drive more carefully in order to avoid accidents and collisions that might cost the company more to cover you as a high-risk driver. Safeco’s diminishing deductible add-on is comparable to others.

Rental Car Reimbursement

Accidents happen, and when they do, it often creates a good amount of inconvenience. If an accident puts your car out of commission, Safeco will help you pay for a rental car. The company also offers its “Safeco Claims Valet Service,” where a driver brings a rental car to you and drives your damaged vehicle to the shop!

First Aid Reimbursement

One of its more unique offerings, Safeco offers first aid reimbursement, a coverage option that may reimburse you up to $10,000 if you find yourself involved in an accident and administering first aid to an injured party. Being a good person can really pay off, as it might result in insurance companies paying less in medical-related expenses than if the injured party went to the hospital.

See More: Compare Car Insurance

Safeco Car Insurance Reputation

Is Safeco car insurance good?

Safeco car insurance ranks generally well for claims and customer satisfaction, financial strength, and affordability. The average monthly cost for a policy with Safeco is $173.

There are definitely some pros and cons to choosing an auto insurance policy with Safeco, as its online reviews and rankings generally dip into both sides of the extreme. Generally, the insurance company has a well-known and trusted reputation from its parent company, Liberty Mutual, a well-known name recognized across the U.S. However, there are some downsides.

Choosing name recognition might cost you patience and lead to frustration due to poor service and a slow claims-filing process. Many users expressed dissatisfaction when talking about their experience filing claims. And while many policyholders enjoy working with a single local Safeco agent, some reviews said that there was less communication than they would have preferred.

Safeco Customer Service

Based on online reviews, Safeco’s customer service reputation seems to run hot and cold. Good testimonies typically talk about how easy it is to purchase a policy or switch over from another company. However, negative reviews almost always mention the difficulty and frustration of filing a claim. In general, users are either very satisfied or highly dissatisfied with its customer service.

Safeco Claims-Filing Process

The claims-filing process is the area where this insurer suffers the most. A 2020 Auto Claims Satisfaction Study from J.D. Power found that Safeco’s customer satisfaction in regard to claims was slightly lower than average, rating it 870 out of 1,000 points. Most of its negative reviews online surround frustration from lack of communication from agents and a slow filing process.

To file a claim online, policyholders need to have an account and can log in through Safeco’s website. Users may also file a claim through the company’s mobile app (rated 2.2/5 stars), by reaching out to a local agent, or by calling 1 (800) 332-3226. If you need help with a glass claim, policyholders need to file through a third party, Safelite Solutions, to complete the process.

See More: Car Insurance Quotes

Safeco: Is it right for you?

With more than 600 insurance companies in the market, it might feel daunting to decide whether or not Safeco is the right fit for you. Insurify can help make that decision a bit easier by giving you side-by-side comparisons of quotes to help you find the insurer, policy, and price that best fit your profile and unique needs. We can show you how Safeco stacks up against competitors!

Frequently Asked Questions

  • Generally, an auto insurance policy with Safeco is pretty good, with an Insurify Composite Score of 86 out of 100. Its standard coverage is comparable to that of other companies, but it might be a bit pricier. Safeco shines by providing better options for low-mileage and rideshare drivers who still need coverage even though they drive fewer miles than the average driver.

  • On average, a car insurance policy with Safeco will cost you $173 each month. Keep in mind, though, that this is just an average and the actual cost varies from driver to driver because companies take each individual’s unique driver history and profile into account. In any case, there are ways to save big with discounts.

  • Compared to other companies, Safeco is actually quite generous when it comes to its discounts. It offers a large number of driver-based discounts, rewarding policyholders who have teen drivers, good students, multi-vehicle policies, and more. It also offers a few policy-based and bundling discounts, as Safeco offers a wide range of insurance products.

  • It can be super easy to save big! The best way to get a quality policy for a low cost is by using Insurify to compare the best options from millions of quotes to best fit your needs. All you need to do is provide a few details about yourself, your car, and your desired coverage, and we can show you how Safeco compares to more than 600 other companies in the market. Try it today!

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Maria Sanchez
Maria Sanchez

Insurance Writer

Maria Sanchez is a personal finance writer specializing in auto, home, and renters insurance. With a special interest in educational content, Maria distills complex financial information to be more accessible to the greater public. She holds degrees from the University of Massachusetts and the London School of Economics.

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