Safeco Auto Insurance: User Reviews and Quotes (2024)

Safeco offers low rates for car insurance with unique, built-in perks. While it excels at customer reputation, its discount options are limited.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated July 18, 2024

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If you’re in the market for new car insurance, you might have heard of Safeco and may be wondering if it makes sense for your insurance needs.

Safeco could be a good choice if you’re in the market for car insurance with unique benefits at a competitive price. A Safeco policy includes coverages that aren’t common with most standard policies, like accident forgiveness.

Safeco serves drivers in all 50 U.S. states, but the company’s discount options aren’t the broadest. Here’s what you need to know about Safeco so you can decide if it’s the right car insurance company for you.

Quick Facts
  • Savings of up to 30% are possible through Safeco’s RightTrack safe driving program.

  • Customer reviews and ratings for Safeco are mixed.

  • Safeco’s premiums are cheaper than many of its competitors.

How Safeco compares to other insurance companies

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User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$76/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$135/mo

Safeco is cheaper than many of its competitors, even for groups like teens, seniors, and drivers with moving violations. Safeco also outshines the competition when it comes to customer service.

On the flip side, the company has a limited number of discounts, and you may find lower rates elsewhere if you qualify for more discounts with another auto insurance company.

Pros
  • Pays cash back to customers who remain claims-free

  • Many options for customizing car insurance

Cons
  • Limited number of discounts

  • Customer reviews indicate room for improvement in customer service

Read more driver reviews of Safeco
Vicki - July 18, 2024
Verified

Easy, Professional, and Knowledgeable

Great!

Albert - July 17, 2024
Verified

Increase in Rates

The rates have increased and I would have preferred to receive notifications sooner.

Gregory - July 16, 2024
Verified

I've never had a claim, so I can't comment on the service. However, their rates are no longer competitive.

I've never had a claim, so I can't comment on the service. However, their rates are no longer competitive.
FactorHow Safeco Compares
RatesCheaper
Customer serviceBetter than competitors
DiscountsLess than competitors
AvailabilitySimilar to competitors
Financial strengthSimilar to competitors
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.

    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot. 

    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.

    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.

    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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How Safeco rates compare to competitors

Safeco offers lower rates and cheaper coverage than other insurance agencies. Its liability-only policies average $68 per month, and its full-coverage policies average $126 per month, according to Insurify data.

You can see how some other insurers’ monthly full-coverage rates compare in the table below.

Insurance CompanyAverage Quote: Full Coverage
Aspire$194
Farmers$249
Freedom National$275
Infinity$328
Travelers$197
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of Safeco auto insurance

If you have an incident on your record — like an accident, speeding ticket, or DUI — insurance companies will see you as a higher risk and raise rates to offset their increased risk of insuring you.

See how monthly liability rates for Safeco compare to the national averages for different types of drivers.

DriverSafeco Average QuoteNational Average
Drivers with a clean record$68$105
Drivers with a speeding ticket$95$149
Drivers with an at-fault accident$101$156
Drivers with a DUI$105$177
Teen drivers$122$185
Senior drivers$60$78
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Safeco car insurance cost by state

Car insurance requirements and prices vary depending on your state. You may see higher premiums based on your location’s risk factors, like higher crime or accident rates. The table shows the average monthly cost of a liability auto insurance policy in states where Safeco offers insurance.

StateSafeco Average QuoteState Average
Alabama$74$60
Arkansas$54$115
Arizona$89$93
Colorado$93$89
Connecticut$79$208
Florida$139$196
Georgia$98$146
Iowa$39$61
Idaho$56$69
Illinois$76$79
Indiana$82$70
Kansas$60$82
Kentucky$89$186
Massachusetts$85$109
Maryland$116$184
Maine$44$91
Michigan$106$176
Minnesota$59$104
Missouri$74$98
Mississippi$56$76
Montana$49$92
North Carolina$53$56
Nebraska$60$92
New Hampshire$45$60
New Mexico$77$69
Nevada$152$206
New York$162$155
Ohio$52$74
Oklahoma$67$89
Oregon$82$101
Pennsylvania$82$94
Rhode Island$77$158
South Carolina$84$165
Tennessee$62$77
Texas$86$119
Utah$76$105
Virginia$77$94
Washington$74$80
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Alaska, California, Hawaii, Louisiana, South Dakota, and Vermont not included due to lack of data.

Safeco car insurance discounts 

Discounts are important in choosing an insurer. If an insurance company offers more money-saving opportunities, you could get a better deal on your policy.

Safeco advertises the following discounts on its website:

  • Multi-policy (up to 15%)

  • RightTrack program (up to 30%)

  • Multi-car

  • Accident-free

  • Violation-free

  • Vehicle safety features

How customers feel about Safeco

Safeco reviews and ratings are mixed. The company earned high ratings for financial stability and claims satisfaction but also has drawn many customer complaints. Trustpilot customers particularly expressed dissatisfaction with the customer service team and significant rate increases on their policy.[1]

Safeco customer reviews

Customer reviews highlight the experiences policyholders have with a company. Reviewing testimonials from previous customers can help you decide whether a company is worth your business. Take a look at the following reviews from real and verified users.

Vicki - July 18, 2024
Verified

Easy, Professional, and Knowledgeable

Great!
Albert - July 17, 2024
Verified

Increase in Rates

The rates have increased and I would have preferred to receive notifications sooner.
Gregory - July 16, 2024
Verified

I've never had a claim, so I can't comment on the service. However, their rates are no longer competitive.

I've never had a claim, so I can't comment on the service. However, their rates are no longer competitive.
John - July 16, 2024
Verified

Car Insurance Seems Unfair

Most insurance companies are raising the rates every year, regardless of whether your record is clear or you've had accidents or tickets. Every company I've been with throughout my 60 years has increased my policy annually! I'm retired and drive maybe 10,000 miles a year. My wife is also retired and drives perhaps 5,000 miles a year. Despite this, we still can't get a good rate. Of course, we want full coverage because we can't afford to lose what we have due to the reckless drivers out there!

Safeco ratings

The table below shows Safeco ratings from multiple third-party agencies. These ratings demonstrate the company’s financial strength, claims satisfaction, and volume of complaints compared to industry competitors.

RatingScoreWhat This Means
AM BestA2Excellent financial strength rating
J.D. Power880/10003Rated above industry average for customer satisfaction
NAIC Complaint Index1.124More complaints than expected for a company of its size

Safeco car insurance coverage options 

Safeco offers the standard state-minimum car insurance coverage, like liability, medical payments, and uninsured/underinsured motorist coverage. It also provides comprehensive and collision coverage to protect your vehicle.

You’ll find complimentary benefits with your Safeco policy that standard insurance doesn’t offer, including:

  • illustration card https://a.storyblok.com/f/162273/150x150/b85ef2d0e5/banking-96x96-blue_015-dollar.svg

    Claims-free cash back

    Get rewarded up to 5% of your policy’s premium each year you remain claims-free.

  • illustration card https://a.storyblok.com/f/162273/150x150/834da573df/car-and-driving-96x96-orange_023-driving-test.svg

    Diminishing deductible

    You can reduce your deductible by $100 yearly for up to five years by maintaining a clean driving record.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness

    Safeco won’t increase your premiums after your first accident if you haven’t been in an accident or had a violation for a certain number of years.

Safeco also offers the following optional coverages at an additional premium:

  • illustration card https://a.storyblok.com/f/162273/150x150/f2122c3094/car-and-driving-96x96-orange_002-new-car.svg

    New car replacement

    If you total your vehicle or someone steals it, this coverage replaces it with one of comparable value.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    If your car is in the shop after a covered loss, Safeco will cover the cost of a rental car.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    24-hour roadside assistance

    If you find yourself stuck on the side of the road, this covers emergency assistance such as towing, gas delivery, or locksmith services.

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Other options for Safeco customers

Safeco offers other insurance products to protect yourself and your property:

  • Homeowners insurance: Purchase Safeco home insurance to protect your house and belongings from damage or loss caused by fire, theft, and natural disasters.

  • Renters insurance: Renters can purchase Safeco renters insurance for personal belongings and liability coverage in case of accidents, theft, and other hazards.

  • Pet insurance: Safeco pet insurance covers veterinary expenses for your furry loved ones, including treatments and surgeries.

  • Motorcycle insurance: Protect you and your motorcycle against damage, theft, and liability by purchasing Safeco motorcycle insurance.

How Safeco RightTrack works

The Safeco RightTrack program is a mobile app that monitors and rewards safe driving.

The app tracks your driving activity for 90 days, observing behaviors such as your braking, acceleration, mileage, and the time of day you drive. These factors contribute to your overall score, which your insurer then uses to assign a discount of up to 30%.

You also automatically receive a 10% discount just for signing up. Every member listed on your policy can participate to increase overall savings.

Safeco doesn’t offer this program in Alaska, California, Delaware, Hawaii, New York, and North Carolina.

Safeco insurance FAQs

The best insurance company for you depends on your situation and coverage needs. This additional information may help you decide if Safeco is right for you.

  • Is Safeco legitimate?

    Yes. Safeco is a legitimate company in good standing with reputable rating agencies and no record of fraudulent practices.

  • What is the average cost of Safeco car insurance?

    The average cost of Safeco car insurance is $68 per month for liability coverage and $126 for full coverage. Your individual rates may vary based on your age, location, driving history, and more.

  • Is Safeco good at paying claims?

    Yes. Safeco is good at paying claims. The company has an AM Best rating of A (Excellent), indicating its solid financial track record. It also received an above-industry-average score of 880/1,000 in the J.D. Power U.S. Auto Claims Satisfaction Study.

  • Are Safeco and Liberty Mutual the same?

    No. Safeco and Liberty Mutual aren’t the same company, but they are related. In 2008, Safeco became a subsidiary of Liberty Mutual. Safeco focuses on personal insurance for retail customers. Meanwhile, Liberty Mutual offers both personal and commercial insurance.

  • How do I cancel my Safeco insurance policy?

    The best way to cancel your Safeco insurance policy is by calling your local agent or customer support at 1 (800) 332-3226. You may need to provide your policy number, cancellation reason, and desired end date. Be sure to secure another policy before your Safeco insurance ends to avoid a lapse in coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Trustpilot. "Safeco Insurance."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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