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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Category | Average Score |
|---|---|
| Overall experience rating | 4.3 |
| Customer service | 4.1 |
| Value | 3.7 |
| Claims handling | 4.1 |
| Coverage options | 4.1 |
| Discounts | 4.0 |
| Policy transparency | 4.0 |
| Policy flexibility | 3.9 |
Safeco overall user rating: 4.3 out of 5
Insurify Quality (IQ) Score for Safeco: 8.1 out of 10
NAIC complaint index: 1.61 (Above average)
Average monthly full-coverage premium from Safeco: $137
Insurify gives Safeco a quality score of 8.1/10. Safeco has mixed customer reviews, but ratings on Insurify are mostly positive. The company ranks highest for coverage options, discounts, policy transparency, and claims handling.
Positive reviews focus on helpful customer representatives and agents during routine service, fair claims outcomes, and savings through bundling. But dissatisfied customers say they face increased premiums over time, service challenges with billing and renewals, and the need to follow up during the claims process.
Overall, Safeco has a customer service rating of 4.1 out of 5 from Insurify customers with policies from the insurer.
Insurify customers with Safeco coverage give the insurer a rating of 4.1 out of 5 for customer service. Satisfied customers describe customer service representatives and agents as helpful, professional, and easy to work with. But others express frustration with communication issues and feel unsupported when dealing with complicated service needs.
Read real reviews about Safeco’s customer service from Insurify customers below.
With a customer service rating of 4.1 out of 5, Safeco ranks higher than Farmers but similarly to Nationwide. Insurify customers give Farmers and Nationwide ratings of 3.7 and 4.0 out of 5, respectively.
Farmers falls behind Safeco and Nationwide in customer service, with some customers reporting slow follow-through and having to call repeatedly for help. Safeco and Nationwide have similar ratings, with customers from both insurers praising quick, low-friction assistance from dependable representatives.
See how Safeco, Nationwide, and Farmers compare for customer service below.
Company | Average Score |
|---|---|
| Safeco | 4.1 |
| Nationwide | 4.0 |
| Farmers | 3.7 |
Safeco earns a discount availability score of 4.0 out of 5 from Insurify customers with coverage from the insurer. Some Safeco policyholders appreciate solid initial savings, particularly through bundling coverage. But other reviews characterize Safeco discounts as limited, inconsistent, or short-lived.
Safeco scores above Nationwide and Farmers for discount availability, with an overall rating of 4.0 out of 5. For comparison, Nationwide has a rating of 3.7 out of 5, and Farmers earns a rating of 3.4.
Farmers falls behind both Nationwide and Safeco in discounts, with some customers saying they view Farmers’ discounts as weaker than those of its competitors. Nationwide outpaces Farmers but ranks lower than Safeco. Some Nationwide customers feel they earn discounts for clean driving, while others complain that their savings don’t match their loyalty and tenure.
Learn how Insurify customers rate the three insurers for discount availability below.
Company | Average Score |
|---|---|
| Safeco | 4.0 |
| Nationwide | 3.7 |
| Farmers | 3.4 |
Insurify customers with Safeco policies rank the company highly for claims handling, giving it 4.1 out of 5 stars. Reviews with positive sentiment highlight minimal hassle, straightforward processing, and quick resolutions. But unhappy customers describe slow timelines and frustrating back-and-forth communication with representatives.
See real claims handling reviews from Insurify customers with Safeco auto policies.
Safeco has a claims handling rating of 4.1 out of 5, ranking lower than Nationwide but higher than Farmers. Insurify customers give Nationwide and Farmers respective ratings of 4.2 and 3.8 out of 5 for claims handling.
Compared to Safeco and Farmers, Nationwide has the highest claims handling score. Happy customers point to responsive service, a clear understanding of next steps, and efficient repair coordination. Farmers, which ranks lower than Nationwide and Safeco, has some negative reviews citing slow progress, a lack of clarity during the process, and disappointing outcomes.
Here’s how Insurify customers rate Safeco, Nationwide, and Farmers for claims handling.
Company | Average Score |
|---|---|
| Safeco | 4.1 |
| Nationwide | 4.2 |
| Farmers | 3.8 |
Safeco customers give the car insurance company a value-for-money rating of 3.7 out of 5. Policyholders who feel Safeco offers strong value for money leave reviews praising stable pricing, solid coverage, and good bundling opportunities. That said, negative reviews complain about value that deteriorates over time due to premium increases and savings decreases.
Read value-for-money reviews from Insurify’s customers with Safeco policies below.
Safeco comes out on top of Nationwide and Farmers for value for money, with an overall rating of 3.7 out of 5. Nationwide has a score of 3.5 out of 5, and Farmers has a rating of 3.1 out of 5.
With a lower value-for-money rating than Safeco and Nationwide, Farmers has some negative reviews, with coverage described as too expensive, especially when faced with added fees or premium increases at renewal. Nationwide also has a lower score than Safeco, and some customers feel that Nationwide underappreciates their customer loyalty.
See how the three auto insurers stack up against each other in the value-for-money category below.
Company | Average Score |
|---|---|
| Safeco | 3.7 |
| Nationwide | 3.5 |
| Farmers | 3.1 |
Insurify customers with Safeco policies give the insurer a rating of 4.0 out of 5 for policy transparency. In reviews, some customers feel Safeco has clearly explained policy details, citing straightforward coverage and clear documentation. But others describe receiving unclear letters or notices that increase anxiety and confusion, especially around price changes at renewal.
Learn how Insurify customers feel about Safeco’s policy transparency in the reviews below.
Earning a policy transparency rating of 4.0 out of 5, Safeco scores higher than Nationwide and Farmers. Insurify customers rate Nationwide 3.9 and Farmers 3.5 out of 5 for policy transparency.
Nationwide has a slightly lower rating than Safeco but ranks higher than Farmers for policy transparency. While some customers report feeling blindsided by policy or price changes, others characterize maintaining their policies as simple and stable, with representatives providing explanations when needed.
Farmers has a lower score than both Safeco and Nationwide, with some customers highlighting misunderstandings about coverage details and fragmented communication.
Compare policy transparency ratings from Safeco, Nationwide, and Farmers below.
Company | Average Score |
|---|---|
| Safeco | 4.0 |
| Nationwide | 3.9 |
| Farmers | 3.5 |
The reviews below show what more than 1,080 Insurify customers have said about Safeco in the past 12 months.
Overall, Safeco receives many positive customer reviews on Insurify. It has strong ratings in all categories and outranks competitors like Nationwide and Farmers for discounts, policy transparency, coverage options, and more.
Comparing multiple companies is the easiest way to find the best company for you. Below, you can see how Safeco stacks up against these and other top car insurance companies.
 |  |  |  |
|---|---|---|---|
Average price $111/mo* | Average price N/A | Average price $158/mo* | Average price $317/mo* |
Overall rating | Overall rating | Overall rating | Overall rating |
Value for money | Value for money | Value for money | Value for money |
Customer service | Customer service | Customer service | Customer service |
Claims handling | Claims handling | Claims handling | Claims handling |
Special highlight Cash back for being claims freeAI-generated from 1080 user reviews | Special highlight Usage-based savingsAI-generated from 1029 user reviews | Special highlight Bundling discountsAI-generated from 2418 user reviews | Special highlight 24/7 claims serviceAI-generated from 203 user reviews |
Insurify collects reviews from users on its platform who have successfully compared quotes, as well as users who have purchased a policy through Insurify. These users complete an optional survey asking them to review their experience with their current insurance company and to rate the company on factors like customer service, claims handling, coverage availability, discounts, policy flexibility, policy transparency, and value for money. These ratings and reviews are then compiled and cleaned by our data team to bring you company-level insights from over 85,000 Insurify users.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.