Safeco Car Insurance

4.1 1,688 reviews
You're shopping in zipcode 79504 Change

Ratings

InsurifyComposite Score
U.S Auto Insurance Shopping Study (2018)
Options Results
Policy Offerings About average
Call Center Representative The rest
Pricing About average
Local Agent Better than most
Overall Satisfaction About average
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Rental Experience The rest
Estimation Process The rest
Overall Satisfaction The rest
Claim Servicing The rest
First Notice of Loss (FNOL) The rest
Repair Process The rest
Settlement The rest
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
Southwest 792 The rest
Southeast 820 About average
Central 803 The rest
New England 796 The rest
Florida 825 About average
California 811 About average
North Central 803 The rest
Northwest 798 The rest
Safeco Mobile App Ratings
Brand Ratings User reviews
iOS
Full Star Full Star Full Star Full Star Half Star 4.6
1200
Android
Full Star Full Star Full Star Half Star Empty Star 3.6
89
Financial Ratings
Company Name Ratings
A.M. Best A
Standard & Poor's A
Fitch A-
Moody's A2

Discounts

The largest discounts from Safeco are: Good Credit Discount, Multiple Vehicle Discount, Low Mileage Discount

Discount Type Discount %
Good Credit Discount up to 73%
Multiple Vehicle Discount up to 36%
Low Mileage Discount up to 20%
Student Away at School Discount up to 20%
Good Student Discount up to 16%
Good Driver Discount up to 15%
TeenSmart Discount up to 15%
Multiple Policy Discount up to 14%
Anti-Theft Device Discount up to 3%
Home Owner Discount Varies
Accident Forgiveness Varies
Loyalty Discount Varies
Driving training discount Varies
Deductible discount Varies
Paid in full discount Varies
Senior Adult Discount Varies
Defensive Driver Discount Varies
Anti-lock Brake Discount Varies
Prepay Discount Varies
Accident Free Discount Varies

Payment Methods

  • Complete Tick Credit Card Payment
  • Complete Tick Debit Card Payments
  • Complete Tick Bank Payment/Direct Deposit
  • Complete Tick Online Payment
  • Complete Tick Phone Payment -IVR
  • Complete Tick Mail Payment
  • Complete Tick Automatic Online Payments
  • Complete Tick Electronic Check

Features and Services

Safeco has been offering its customers exceptional service for over 90 years. Their insurance agents are available for customer support 24 hours a day, 7 days a week. Customers can access, manage, and make payments to their policy online. Safeco customers have access to a number of additional coverages including $10,000 for reimbursement of first aid at the scene of an accident, diminishing deductible for every claim-free year, rental car reimbursement, electronic key and lock replacement, pet coverage, and CD/DVD replacement.

  • 24/7 service 24/7 service
  • Accident forgiveness Accident forgiveness
  • Diminishing deductible Diminishing deductible
  • Online account management Online account management
  • Reimbursement of first aid Reimbursement of first aid
  • Roadside assistance Roadside assistance

Optional Coverage

  • Complete Tick Accident Forgiveness
  • Complete Tick First Aid Reimbursement
  • Complete Tick Rental Reimbursment
  • Complete Tick Build Your Own Plan
  • Complete Tick Road Side Assistance
  • Complete Tick Emergency Assistance Coverage
  • Complete Tick Gap Insurance
  • Complete Tick Electronic Key & Lock Replacement
  • Complete Tick Sound System Coverage
  • Complete Tick New Car Replacement Coverage
  • Complete Tick Pet Coverage
  • Complete Tick Personal/Upgraded Item Coverage
  • Complete Tick Vanishing Deductible
  • Complete Tick Ridesharing Coverage

Safeco provides Uber and Lyft driver insurance in the following states:

Online Quoting by State

Safeco Insurance Products

Safeco offers both standard and optional car insurance coverages, so you can build a customized policy. 

Basic auto insurance plans include:

  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
  • Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault.
  • Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
  • Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 

Optional coverages offered by Safeco include:

  • Roadside assistance: Covers towing to the nearest qualified shop and basic services, like changing a flat tire, jump-starting a battery, delivering gas, etc.
  • Emergency assistance package: Covers all the same services as roadside assistance, but includes up to $500 for meals, lodging, and transportation if you break down over 25 miles from home. Also includes coverage for your personal belongings damaged in an accident or stolen from your car. 
  • Rental car reimbursement: Pays for a rental car while your vehicle is being repaired after a covered loss. Also includes Safeco Claims Valet Service™, where a Claim Valet driver will bring a rental car to your home, and drive your damaged vehicle to a repair shop. 
  • Loan and lease coverage: Pays the difference between the amount you still owe on your loan/lease and the current value of your totaled or stolen car at the time of the incident.
  • Electronic key and lock replacement: Pays to replace your electronic keys and any remote control pads if yours are lost or stolen.
  • CD and DVD replacement: Pays to replace damaged or stolen CDs, DVDs, video tapes, cassettes, or record collections. 
  • New car replacement: Pays for a new car if yours is less than one model year old, and has been stolen or deemed a total loss. 
  • Audio-visual and custom equipment coverage: Covers damage to custom equipment that wasn’t installed at the factory or dealership, including stereos, DVD players, custom engine, roll bars, custom wheels, paint, etc. 
  • Pet coverage: Pays for veterinary bills or a death benefit if your cat or dog is injured or killed in a car accident. 
  • Personal property coverage: Pays to replace your personal possessions, like tools, if damaged or stolen. 

Safeco RideSharing coverage extends your personal auto insurance to include the times you’re driving for Uber, Lyft, or other rideshare services. 

Typically, personal auto insurance becomes ineffective when you’re driving for hire. Whatsmore, supplement insurance offered by Uber and Lyft only covers you when you have passengers in your car. A RideSharing plan fills this coverage gap when you’re on the clock, but don’t have any passengers. 

This coverage option is currently available in Arizona, Colorado, Illinois, Indiana, Kansas, Minnesota, Missouri, Oklahoma, Oregon, Tennessee, Utah, Washington, and Wisconsin. 

Safeco offers motorcycle and recreational vehicle insurance to protect your bikes, ATVs, snowmobiles, scooters, golf carts, and more. 

Basic, state required coverages include:

  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Guest passenger liability: Covers medical expenses of a guest passenger riding with you on your motorcycle.
  • Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
  • Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 
  • Collision: Pays to repair or replace your bike after a collision with another object, or if it rolls over. 
  • Comprehensive: Pays to repair or replace your bike if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc.
  • Accessory replacement: Pays up to $1,000 per person to replace helmets, jackets, gloves, and boots lost or damaged in an accident, without a deductible.
  • New Harley replacement: Pays to replace your Harley-Davidson motorcycle if it was less than two model years old at the time of the loss.  

Additional coverage options include:

  • Custom parts and equipment: Pays up to $20,000 per bike to repair or replace damaged parts. Your first $3,000 in coverage is provided for free. 
  • Roadside assistance: Covers towing to the nearest repair ship and services. Trip interruption benefits, like hotel stays and meals, are included. 

Safeco offers boat and watercraft insurance to cover your bass or fishing boat, cabin cruiser, ski boat, sailboat, pontoon, Jet Ski, WaveRunner, and other personal watercraft on land or sea. Coverage is valid up to 75 miles off the coast. 

A standard boat and personal watercraft policy from Safeco includes:

  • Agreed value coverage: Pays the total value agreed upon in your policy if your boat or watercraft is deemed a total loss or stolen. All Safeco policies include agreed upon value, regardless of the age of your boat and depreciation. 
  • Personal effects coverage: Covers up to $750 for damaged fishing gear and other personal property. Also covers up to $100 for damaged, unattached equipment, like water skis, deck chairs, anchors, safety equipment, and marine electronics.
  • Fuel spill and wreckage removal: Pays for costs related to cleaning spilled fuel and accident related wreckage out of the water, including sinking or sunken boats. 
  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 
  • Uninsured/underinsured watercraft: Pays for your medical bills, lost income, and damages after an accident if the at-fault boater has little or no liability insurance. 
  • Physical damage: Pays to repair or replace your boat, its motor, any attached equipment, and your trailer after a collision or theft. Automatically includes coverage for personal effects and emergency services. 

Optional boat insurance coverages include:

  • On-water assistance: Reimburses you for the cost of on-watering towing and labor services.
  • Safeco Captain’s Package: Includes extra coverage benefits like new boat price protection, roadside assistance, increased personal effects protection, and increased emergency services. 

Safeco offers specialized insurance coverage for your antique and classic cars, modified collector cars, reproductions, replicas, restorations, and modern classic cars. You can customize your policy based on the age of your car, how many miles you drive, and any modifications. 

Safeco allows you to have multiple classic cars on one policy.

Every basic classic car policy from Safeco includes:

  • Agreed value coverage: Pays the total value agreed upon in your policy if your car is deemed a total loss or stolen. 
  • Go ahead and drive: Covers you to drive up to 10,000 miles per year with a regular use option, or up to 5,000 miles per year with a limited use option. 
  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 
  • Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
  • Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
  • Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 

Optional coverages include:

  • Roadside assistance: Covers towing to the nearest qualified shop and basic services, like changing a flat tire, jump-starting a battery, delivering gas, etc.
  • Emergency assistance: Pays for additional roadside assistance expenses, such as taxi fare and lodging. Also includes coverage for personal belongings, like tools or spare parts stored in your car.
  • Diminishing deductible: Decreases your collision deductible by $100 for every year you remain claim free. Continues up to five years or $500.
  • Personal property: Pays to repair or replace your personal possessions, like tools, if damaged or stolen. 
  • Pet coverage: Pays for veterinary bills or a death benefit if your cat or dog is injured or killed in a car accident. 

Safeco offers insurance coverage for your recreational vehicle, coach motorhome, travel trailer, fifth wheel, pop up camper, or camper van. Policies cover 150 days of personal use a year, and the ability to reduce coverage during the off season. 

A basic policy with Safeco includes:

  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
  • Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault.
  • Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
  • Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 

Additional coverage options include:

  • Roadside assistance: Covers towing to the nearest qualified shop and basic services, like changing a flat tire, jump-starting a battery, delivering gas, etc.
  • Emergency assistance: Additional roadside assistance coverage for personal property, temporary living expenses and transportation costs while your RV is being repaired.
  • Diminishing deductible: Decreases your collision deductible by $100 for every year you remain claim free. Continues up to five years or $500.
  • Personal property: Pays to repair or replace your personal possessions, like tools, if damaged or stolen. 
  • Pet coverage: Pays for veterinary bills or a death benefit if your cat or dog is injured or killed in a car accident. 
  • Loan and lease coverage: Pays the difference between the amount you still owe on your loan/lease and the current value of your totaled or stolen RV at the time of the incident.
  • Electronic key and lock replacement: Pays to replace your electronic keys and any remote control pads if yours are lost or stolen.
  • Audio visual and custom equipment replacement: Pays to replace damaged or stolen equipment, like stereos, DVD players, and flat-screen TVs, not installed at the factory or dealership. Custom equipment includes awnings, modified engines, exterior tool boxes, special carpeting, custom wheels, etc. 

Safeco offers worldwide umbrella protection if you’re found at fault for an accident that exceeds your auto or home insurance policy liability limits. You must be a Safeco auto insurance policyholder in order to purchase a Safeco umbrella policy. 

Policy coverage can be increased by increments of $1 million, for a maximum limit of $5 million. 

Safeco offers standard and optional homeowners insurance options, so you can customize your policy to suit your needs. 

Standard coverages from Safeco include:

  • Physical structures: Pays to repair or replace your house and other structures, like a garage or shed, that are damaged by a covered loss. 
  • Personal belongings: Pays to repair or replace your personal possessions, like clothing and furniture, that are damaged after a covered loss.
  • Bodily injury and property damage liability: Covers medical expenses and legal fees when someone is injured or their property is damaged on your premises. 
  • Additional living expenses: Pays up to 24 months of temporary housing and living expenses while your home is being repaired or rebuilt after a covered loss. 

Optional home insurance coverage includes:

  • Identity recovery: Pays up to $25,000 for lost wages and expenses related to recovering your identity after a theft. 
  • Valuable articles: Covers valuable items, like jewelry, antiques, etc., named in your policy for an agreed upon value, without a deductible. 
  • Equipment breakdown: Pays to replace a covered appliance, such as a refrigerator or washer/dryer, in the event of a mechanical or electrical breakdown. 
  • Personal property replacement cost protection: Pays to replace stolen or damaged personal items, like furniture, appliances, clothing, etc., up to your coverage limit, regardless of the age or condition of the item. 
  • Multiple loss, one deductible: Allows you to pay just one deductible if your car, boat, or RV is damaged in the same event as your home. 

Safeco offers insurance coverage for your personal belongings and liability, whether you’re renting an apartment or an entire house. 

Standard renters insurance coverage includes:

  • Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen from your home or anywhere in the world.
  • Personal liability: Pays defense and settlement costs if someone sues you for bodily injury or property damage that took place on your premises. 
  • Additional living expenses: Pays up to 24 months of temporary housing and living expenses while your apartment is being repaired or rebuilt after a covered loss. 

Additional coverage options include:

  • Identity recovery: Pays up to $25,000 for lost wages and expenses related to recovering your identity after a theft. 
  • Valuable articles: Covers valuable items, like jewelry, antiques, etc., named in your policy for an agreed upon value, without a deductible. 
  • Personal property replacement cost protection: Pays to replace stolen or damaged personal items, like furniture, appliances, clothing, etc., up to your coverage limit, regardless of the age or condition of the item. 

Safeco offers condo insurance to protect your personal belongings, liability, and the remodel work you’ve done to your unit. 

Standard condo insurance through Safeco includes:

  • Replacement cost coverage: Pays to repair or replace damaged upgrades or installations, like cabinets, that you’ve made to your condo unit.
  • Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen from your home or anywhere in the world.
  • Personal liability: Pays defense and settlement costs if someone sues you for bodily injury or property damage that took place on your premises. 
  • Additional living expenses: Pays up to 24 months of temporary housing and living expenses while your condo is being repaired or rebuilt after a covered loss. 

Optional condo insurance coverages include:

  • Identity recovery: Pays up to $25,000 for lost wages and expenses related to recovering your identity after a theft. 
  • Valuable articles: Covers valuable items, like jewelry, antiques, etc., named in your policy for an agreed upon value, without a deductible. 
  • Personal property replacement cost protection: Pays to replace stolen or damaged personal items, like furniture, appliances, clothing, etc., up to your coverage limit, regardless of the age or condition of the item. 
  • Multiple loss, one deductible: Allows you to pay just one deductible if your car or motorcycle is damaged in the same event as your condo. 

Safeco offers residential rental property insurance for landlords who rent out one to four-unit properties, including single families, condo units, duplexes, and fourplexes. 

Landlord Protection offers coverage for property damage and liability specific to landlords, such as wrongful eviction and entry.

Landlord coverage with Safeco includes:

  • Personal liability: Pays defense and settlement costs if someone sues you for libel and slander, wrongful eviction and wrongful entry. Also covers you and your spouse or domestic partner from personal injury and property damage claims. 
  • Premises liability: Provides personal injury protection against wrongful eviction or entry, invasion of privacy, libel, and slander. Also includes medical payments to cover medical bills of guests injured on your rental property at your fault. 
  • Physical structures: Pays to repair or replace your rental building and other structures, like a garage or shed, that are damaged by a covered loss. Extended dwelling coverage is available to add to your policy. 
  • Personal belongings: Pays to repair or replace your personal possessions that you keep on your rental property, like furniture, appliances, tools, etc., that are damaged after a covered loss.

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Company History

Safeco Insurance, a Liberty Mutual company was founded in 1923. Safeco is headquartered in Seattle Washington and specializes in automotive, homeowners, and even boat insurance. They currently have a JD Power and Associates rating of 3 out of 5 for overall customer satisfaction.

Safeco Reviews

4.1
5 Stars
56% Complete
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4 Stars
18% Complete
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3 Stars
10% Complete
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2 Stars
5% Complete
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1 Star
9% Complete
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Most Positive Review
Intial call to obtain HO Policy and f/u questions
By Insurify User
August 30, 2014

To obtain HO Policy was super easy!! The Rep was friendly, professional and knowledgeable. The entire process was unbelievably easy ! I also had a need to make changes to the policy as I was obtaining a new loan. Often times I needed to make a conference call with my loan processor and every insurance rep that assisted us was excellent!!! 5 stars is not enough!!! I give them all 10 GOLD STARS!!! ????????????????????

Most Critical Review
Terrible insurance company
By Insurify User
September 22, 2015

I bought an auto policy in 7/2/2015. Then got a letter of notice more than 2 months later that premium is being increased by 600 dollars. My husband spoke to a staff at Safeco, that we provided all the info on runningg drivig records before buying the policy, and it was reviewed before the contract. It ws not accceptable that the premium incrased so much, to the amount we never agreed upon, we would've never bought at first place. Talking about refund, applying the incrased premium retroactively for the past 2 months does not make sense at all, either! We stated we wanted to speak to the staff's manager/supervisor the next say, and he said yes, but nobody called us back since last Friday. Very disappointing experience with both Safeco and Answer. We submitted cancel request and waiting. Will need to get proper amount of refund. Very unreasonable