4.8out of 3,000+ reviews
When searching online for car insurance, you’ll find yourself exploring different providers. Safeco, a Liberty Mutual company, is one option, but simply comparing quotes isn’t enough to know the reputation of a specific company. You must also consider customer service and claims handling — two areas where Safeco doesn’t always score well.
Safeco offers auto insurance, homeowners, renters, pet, and other coverage options to save you time and money when buying insurance.
Safeco ranks slightly below average for claims-handling customer satisfaction, according to a 2020 Auto Claims Satisfaction Study from J.D. Power.[1]
The company has few auto insurance discounts, but the RightTrack program can save you up to 30%.
See More: 10 Best Car Insurance Companies
An insurance provider founded in Seattle in 1923, Safeco offers auto, homeowners, renters, umbrella, pet, and commercial coverage. It’s part of Liberty Mutual Insurance, which ranks 78th on the Fortune 100 list of the largest U.S. corporations.
Safeco uses an agency model, so you can’t buy a policy directly from the company. Instead, Safeco sells policies through a network of independent insurance agents. Each insurance agent works on a commission. Each time they renew an existing policy or sell a new one, Safeco pays the agent a percentage ranging from 3% to 18% of the policy premium.
Safeco specializes in property and casualty insurance and offers many types of auto insurance coverage options:
Car insurance: Protects against accidents or theft. Medical payments and property damage coverage come standard with a Safeco policy.
Motorcycle insurance: Covers injuries to others and damage to their property. Bodily injury liability insurance, collision, 24-hour roadside assistance, and OEM (original equipment manufacturer) parts coverage come standard from Safeco.
Boat and watercraft insurance: A standard policy includes emergency assistance, fuel spill and wreckage removal, and personal belongings (like fishing gear).
Classic car coverage: Includes agreed value coverage for a total loss after a car accident and discounts for driving 5,000 or fewer miles per year.
Recreational vehicle (RV) insurance: Protect your RV, trailer, or motor home. Personal property and audio, visual, and custom equipment coverage come standard.
ATV and off-road vehicle coverage: Protects ATVs with four or six wheels. Standard policy coverage includes hospital bills and medical expenses, property damage, and gear replacement of up to $1,000 per person.
Golf cart and low-speed vehicle insurance: Includes property damage, hospital bills, and medical expenses coverage.
The average cost with Safeco ranges from $129 per month for a liability-only policy to $203 for full coverage. How much you pay depends on your policy options, the type of coverage you purchase, and your driver profile.
Learn More: Car Insurance Information: Guides, Insights, and Tips
Requesting a Safeco insurance quote is the best way to determine whether the coverage will fit your needs and budget. First, compare car insurance quotes by entering your ZIP code. You’ll answer a few questions, such as whether you currently have auto insurance and information about the vehicle and drivers you want to insure.
Your Safeco rate will show up alongside rates from other providers to help you compare companies. That way, you can be sure you’re getting a great rate on car insurance.
Car insurance costs vary quite a bit. Your rate depends on your age, driving record, and other factors — including the state where you’re buying insurance. New York is one of the most expensive states to purchase coverage in. Here’s the average monthly cost of a Safeco policy in 13 of the most populous states in the U.S.
| State | Monthly Cost |
|---|---|
| Arizona | $174 |
| California | $204 |
| Florida | $275 |
| Georgia | $262 |
| Illinois | $162 |
| Michigan | $235 |
| New York | $290 |
| North Carolina | $132 |
| Ohio | $120 |
| Pennsylvania | $174 |
| Tennessee | $153 |
| Texas | $201 |
| Washington | $151 |
See Also: Cheapest States for Car Insurance: Quotes, Discounts for 2022
Your driving history plays a factor in your car insurance prices. You can often reduce your premium by improving your driving record and taking advantage of safe driving discounts offered by Safeco.
| Driving History | Monthly Cost |
|---|---|
| Clean record | $195 |
| At-fault accidents | $229 |
| Speeding tickets | $235 |
| DUIs | $225 |
Learn More: How Long Does a DUI Stay on Your Record?
Age plays a significant role in your car insurance rates, among other factors. Drivers in their 60s generally have the cheapest rates, while teens pay the most.
Car insurance discounts reduce the cost of your policy. Safeco has a few [2] that can help you find a better rate:
RightTrack: Save up to 30% on your premiums through Safeco’s mobile or RightTrack app or a plug-in device.
Safeco Package: Bundling policies could save you up to 15%.
Safety features: Antilock braking systems (ABS), anti-theft devices, and other safety features can qualify you for a policy discount.
Multi-car: Find savings if you insure more than one vehicle with Safeco.
Safe driver: Going a certain number of years without a moving violation or accident can unlock savings.
Additional discounts may be available from Safeco. The company encourages you to ask about other savings opportunities when getting a quote.
Bundling coverage combines multiple policies into one bill. It’s one of the best and easiest ways to qualify for a discount from Safeco. You could bundle home, auto, boat, renters, motorcycle, umbrella, pet, and commercial insurance with Safeco.
Learn More: Compare Home and Auto Insurance Bundles
Safeco auto insurance reviews reveal customer service as hit or miss. A few positive reviews stand out that include praise of the roadside assistance service. However, you’ll also find several negative Safeco car insurance reviews.
Insurify Composite Score: 86
Sitejabber: 1
Trustpilot: 2.1
Wallethub: 2.9
Google reviews: 2.6
With so many insurance companies offering similar products and services, it can be difficult to decide which one is right for you.
State Farm provides many types of insurance, including vehicle, home, pet, and small business. Auto insurance rates range from an average of $109 for liability only to $120 for full coverage. State Farm also offers investment accounts and partners with U.S. Bank to provide banking services.[3]
The average Progressive car insurance rate is $161 for liability only and $237 for full coverage. It also offers dental, health, and other personal insurance coverages, provides a car-shopping service, and offers online checking accounts through Varo.
Like Safeco, Progressive sells policies through agents. But Progressive also lets you buy directly from the company online, by phone, or on a mobile device.[4]
GEICO began by offering coverage to government employees but has grown to provide insurance to a wide range of customers in the private sector, as well. The average policy rate is $136 for minimum coverage and $150 for a full-coverage policy. Like Safeco, GEICO sells through independent agents.
Safeco recognizes its independent agents for their dedication to customer service through the Make More Happen Awards program. For example, Doyle & Ogden Insurance supports various causes through its Del J. & Jean B. Doyle Family Foundation.
Gives cash back for claims-free periods and offers diminishing deductibles
Connects you with a Guaranteed Repair Network to help you get back on the road
Offers many options to customize your car insurance coverage to suit your needs
Below-average customer satisfaction ratings for auto insurance claims
Offers a limited number of discounts
Customer reviews indicate room for improvement in customer service
Filing an auto insurance claim is the process of reporting an accident or incident to your insurance company. You may need to file a claim after an accident or theft to request reimbursement for the costs of damages or injuries. You can file a claim with Safeco online, through the mobile app, or by calling 1 (800) 332-3266.
Safeco offers car insurance and so much more. You can purchase property insurance like homeowners, renters, condo, landlord, umbrella coverage, pet, identity recovery, and commercial insurance.
Safeco came under the umbrella of Liberty Mutual in 2008. Liberty Mutual has been in business since 1912 and is the world’s sixth-largest property and casualty insurer.
Insurers offer a variety of ways for drivers to reduce their premiums. You simply have to know what to ask for and where to look.
Improve your credit rating. Insurance companies use your credit score as a factor to determine your rate. A higher credit score can lead to lower car insurance premiums.
Bundle insurance policies. Bundling is one of the best ways to save on insurance. Combining your car insurance with homeowners, renters, pet, or another policy can unlock savings.
Ask for discounts. Most insurance companies offer discounts. Ask about good driver, good student, paid-in-full, automatic payments, bundling, and other discounts.
Review providers. The easiest and quickest way to reduce car insurance costs is to review providers and compare quotes from multiple insurance companies.
Find answers to some commonly asked questions about Safeco Insurance below.
Safeco is a legitimate insurance company. It’s been in business since 1923 and became a part of the Liberty Mutual Insurance company in 2008. Safeco received an A+ rating from the Better Business Bureau (BBB) and isn ’t linked to any fraudulent practices.
Safeco offers great rates along with customizable coverage. It has an ICS score of 86 (out of 100) from Insurify. Insurify bases the score on financial stability ratings from J.D. Power, A.M. Best, Moody’s, Standard & Poor’s, and Fitch. It also considers customer satisfaction surveys, complaints, and mobile app reviews of Safeco insurance.
On average, Safeco charges $129 monthly for liability-only coverage and $203 for full coverage. The cost of a Safeco policy varies by state, driving history, age, and other factors.
Safeco has a strong financial position, earning an A rating from A.M. Best. The financial rating means it has sufficient assets to pay its claims to policyholders.
Liberty Mutual is the parent company of Safeco. Although it’s a part of Liberty Mutual Insurance, the two companies are different. Each has separate products and pricing, so you could find that one company has a lower rate than the other.
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers 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. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
