Safety Insurance vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Safety Insurance
Not Rated
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Safety Insurance VS USAA
Not Rated
96
What is this?
User Ratings
OptionsSafety Insurance USAA
Rating/Reviews
26 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsSafety Insurance USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsSafety Insurance USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionSafety Insurance USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England813 pt
About average
893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionSafety Insurance USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsSafety Insurance USAA
A.M. BestAA++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CitySafety Insurance USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CitySafety Insurance USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CitySafety Insurance USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CitySafety Insurance USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CitySafety Insurance USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CitySafety Insurance USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CitySafety Insurance USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CitySafety Insurance USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CitySafety Insurance USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CitySafety Insurance USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CitySafety Insurance USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CitySafety Insurance USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CitySafety Insurance USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeSafety Insurance USAA
Good DriverVariesUp to 10%
Good StudentVariesVaries
LoyaltyVariesVaries
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
Student Away at SchoolVariesUp to 20%
Accident Forgiveness--Varies
Anti-Theft Device--Up to 20%
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving training--Varies
Family--Up to 10%
Low Mileage--Varies
Military--Up to 15%
New Car--Varies
Passive Restraint--Up to 15%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeSafety Insurance USAA
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesSafety Insurance USAA
24/7 service--yes
Accident forgivenessyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyesyes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesSafety Insurance USAA
Accident Forgiveness
yesyes
Emergency Assistance Coverage
yes--
Extended Coverage
yesyes
Gap Insurance
yes--
Glass Coverage yes--
Personal Auto Plus
yes--
Personal/Upgraded Item Coverage
yes--
Pet Coverage
yes--
Rental Reimbursement
--yes
Roadside Assistance
yesyes

Uber and Lyft driver insurance

  • Safety Insurance
  • USAA
  • Both

SR‌-22 Insurance by State

  • Safety Insurance
  • USAA
  • Both

Compare Insurance Products

ProductSafety Insurance USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Commercial InsuranceCommercial Insuranceyes--
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insuranceyesyes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Safety Insurance Reviews
  • USAA Reviews
3.2
5 Stars
46 %
3 Stars
15 %
2 Stars
4 %
1 Star
35 %

Most Helpful Review

By James
We had a basement flooding issue that was covered under our insurance policy. The claims agent generated the damage assessment and repair work costs, and provided info on the mitigation services to remove mold/water/ and do repair work. They set those charges up independently of our actual damage recovery costs and we had written and email validation of the claims. They paid out our damage items recovery claim, but did not pay the mitigation company, and told them that had to come out of our item recovery payment - clearly not what the written documents or our email discussions had documented what would happen. They tried to scam me and lied about over and over again. I kept the written records, the phone records and the email trails that showed they were dishonest and scamming me throughout this process of the mitigation company trying to get paid for their work over a month (they kept sending us the direct bills and asking us to pay for it). After their email trail and the written documents I had from the claim uncovered all the lying, they finally agreed to pay the mitigation company and claimed it was just an honest mistake on their part. I have the complete email trial that shows they were dishonest and trying to scam me and not meet their written commitments. Really disgusting and unethical behavior on the part of Safety Insurance. They knew full well what their committments were and simply tried to not abide by them and have us pay for repair work that they had agreed to pay separately. I guess its not surprising that an Insurance Company would try and scam their customers, but be wary, cause this one did it to me before they got caught in their dishonesty.

Latest Review

By Douglas S
worst company to deal with. one of there clients hit me on my motorcycle and I've been doing all the work to get my bike fixed and helmet replaced. the adjuster that is working my claim is a joke. she never answers her phone and never returns my calls. twice I had to have two other adjusters help me because she is so useless.

All Reviews

Showing 1 - 10 out of 26 Reviews
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Read reviews that mention

Douglas S
worst company to deal with. one of there clients hit me on my motorcycle and I've been doing all the work to get my bike fixed and helmet replaced. the adjuster that is working my claim is a joke. she never answers her phone and never returns my calls. twice I had to have two other adjusters help me because she is so useless.
Neil M
They ****, someone backed into my car in a drive thru line at dunkin donuts and even though the police report stated that they considered it no fault to either party thus raising my rates because a claim was filed
Joseph H
I was notified that a claim was being made against my insurance. The allegation was an accident involving my daughter 6 months ago and that the person just put the claim in. I immediately contacted my claims adjuster demanding to know more but was told safety insurance policy prevents information about the accident being released. The only info was the claim was presented on 12/27/18 from an accident occurring on 7/1/18. This was a day we were out of the state. No other information was being released. I'm their client and they are refusing to inform me about this accident. I was provided an accident report form to fill out without any other information. Don't use Safety insurance. Overpriced without support for their own client.
ROBERT B
THIS AWFUL SAFETY INSURANCE CO. IS THE WORST EVER AND DESERVES A ZERO OR EVEN LOWER RATING. I HAD TO LEAVE ONE STAR OR YOU WOULD NOT POST THIS WARNING TO OTHER PEOPLE. I HAVE NEVER SEEN A COMPANY THIS LOW. HOW COULD YOU RATE SAFETY INSURANCE CO. A+ WITH ALL THE COMPLAINTS THEY HAVE. GO TO ****** AND READ THEM. THEY MUST BE PAYING YOU OFF FOR YOUR RATING FOR THEY DON'T PAY ANYONE ELSE. ***
Gina
Gina
A.C.
Awful company! Stay away at all costs.
Peter
Peter
James
We had a basement flooding issue that was covered under our insurance policy. The claims agent generated the damage assessment and repair work costs, and provided info on the mitigation services to remove mold/water/ and do repair work. They set those charges up independently of our actual damage recovery costs and we had written and email validation of the claims. They paid out our damage items recovery claim, but did not pay the mitigation company, and told them that had to come out of our item recovery payment - clearly not what the written documents or our email discussions had documented what would happen. They tried to scam me and lied about over and over again. I kept the written records, the phone records and the email trails that showed they were dishonest and scamming me throughout this process of the mitigation company trying to get paid for their work over a month (they kept sending us the direct bills and asking us to pay for it). After their email trail and the written documents I had from the claim uncovered all the lying, they finally agreed to pay the mitigation company and claimed it was just an honest mistake on their part. I have the complete email trial that shows they were dishonest and trying to scam me and not meet their written commitments. Really disgusting and unethical behavior on the part of Safety Insurance. They knew full well what their committments were and simply tried to not abide by them and have us pay for repair work that they had agreed to pay separately. I guess its not surprising that an Insurance Company would try and scam their customers, but be wary, cause this one did it to me before they got caught in their dishonesty.
Showing 1 - 10 out of 26 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.