Safety Insurance Car Insurance

4.1 14 reviews
You're shopping in zipcode 79504 Change


InsurifyComposite Score
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
New England 813 About average


The largest discounts from Safety Insurance are: Multiple Policy Discount, Good Driver Discount, Good Student Discount

Discount Type Discount %
Multiple Policy Discount Varies
Good Driver Discount Varies
Good Student Discount Varies
Student Away at School Discount Varies
Multiple Vehicle Discount Varies
Loyalty Discount Varies

Payment Methods

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

Features and Services

Safety has been offering its customers exceptional service for over 30 years. Their insurance agents are available for claims support 24 hours a day, 7 days a week at their toll free number.

Customers can manage their payments, policy, claims, insurance ID cards, and contact their agent online or with the Safety mobile app. 

Safety also offers a VIP Claims Centers Program which provides their customers with a complete, one day claims and repair service at one of their claim centers. After an accident, drivable vehicles are brought to a center where damage is reviewed, an appraisal is written, and is then brought to a repair shop in the Safety Repair Network. 


  • Online account management Online account management
  • Mobile app Mobile app
  • Accident forgiveness Accident forgiveness
  • Roadside assistance Roadside assistance
  • Flexible / convenient payments Flexible / convenient payments
  • Enhanced towing & substitute coverage Enhanced towing & substitute coverage

Optional Coverage

  • Complete Tick Accident Forgiveness
  • Complete Tick Gap Insurance
  • Complete Tick Pet Coverage
  • Complete Tick Road Side Assistance
  • Complete Tick Personal Auto Plus
  • Complete Tick Personal/Upgraded Item Coverage
  • Complete Tick Pet Coverage
  • Complete Tick Emergency Assistance Coverage
  • Complete Tick Glass Coverage
  • Complete Tick Extended Coverage

Safety Insurance Insurance Products

Safety’s auto insurance policies will cover bodily injury and property damage to others, no-fault personal injury coverage for your vehicle's occupants, and physical damage coverage for your own vehicle for collisions or other perils.

Available coverages and discounts may vary by state, but will most likely include:

  • Safety Shield: A broad coverage enhancement for your Safety auto insurance policy that includes:

    • Disappearing Collision Deductible

    • Rental Vehicle Loss of Income Coverage

    • Guaranteed Replacement Cost

    • Personal Effects

    • Emergency Road Travel Expenses

    • Supplemental Towing and Labor

    • Airbag mechanical failure

    • Extended Substitute Transportation (vehicle rental)

  • Safety Shield Plus: Coverage enhancement that includes everything from the Safety Shield plan and additionally:

    • Accident Forgiveness

    • Expanded Personal Effects Coverage

    • Pet Coverage

    • Seat Belt Coverage

    • Bail Bonds

Auto Loan/Lease Gap: Safety will pay any unpaid amount due on the lease of finance loan of your vehicle if it is deemed a covered, total loss.

Safety offers a variety of home insurance coverages and their independent agents will make sure there aren’t any gaps in your protection for your home and your possessions.

Available coverages and discounts may vary by state, but will most likely include:

  • Typical home insurance coverage (level HO-3):

    • Damage. Your home and personal property are protected against fire, lightning, frozen pipes tornado, hail and windstorms. Also covered are losses caused by vandalism, theft, riot and any flooding caused by indoor plumbing or air/heat conditioning systems.

    • Dwellings. In addition to your house (referred to as the “dwelling”), any structures on your property, such as the garage, are covered.

    • Contents. All contents, personal belongings and electronics stored inside your home are covered. However, if your personal possessions include expensive jewelry or art, you might want to purchase additional floater coverage for those items if their replacement costs are higher than your coverage allows.

    • Liability. You are covered for bodily injury or property damage whether you are negligent or not. Other home insurance coverage characteristics include medical payments to others up to a specified amount. “Medical payments” is designed to cover small medical bills while protecting you and your insurance company from potential lawsuits.

    • Other structures. Other structures covered are fencing around your property and detached buildings such as a barn, shed or pool house. Depending on your coverage, other structures might not be covered at 100 percent replacement value.

    • Uninhabitable. Should your home become uninhabitable and you are forced to live somewhere else during repairs, this situation is called “loss of use” and is included in most home insurance coverage. Limits for this expense depend on your policy.

  • Safety Insurance also offers enhanced homeowner coverage plans:

    • Safety Select, Supreme, Supreme Plus and Complete

    • Safety Condominium Unit-Owners Enhancement and Edge Enhancement

Safety offers personal excess liability coverage with limits of $1,000,000 to $5,000,000 over and above the limits of individual automobile, boat, and homeowners insurance policies.

Safety will give their customers a 5% discount when you combine your umbrella policy with your auto or home insurance policy.

Safety offers business owner insurance policies that provide comprehensive, liability, and property coverage for many risks, such as business interruption from a covered loss.

Equipment breakdown coverage is automatically included, as well as additional options for truly customizable coverage.

Safety serves small and medium sized commercial accounts with a program that covers:

  • apartments and residential condominiums

  • mercantile establishments, including restaurants

  • offices, including office condominiums

  • processing and services businesses

  • special trade contractors

  • wholesaling businesses

Employment Practices Liability Coverage:

Employment Practices Liability Insurance (EPLI) covers companies against lawsuits filed by employees, former employees, and employment candidates. This kind of policy can only be purchased as an added coverage under a Business Owner Policy (BOP).

Safety offers property and liability coverage for non-owner occupied one or two-family residences in Massachusetts, New Hampshire, and Maine.

When you combined dwelling fire insurance with your auto insurance policy, Safety will grant you a 5% discount.

Safety’s commercial automobile insurance covers vehicles used for business purposes including: business-owned private passenger vehicles, trucks, tractors and trailers, and fleets of vehicles.

These policies provide coverage for bodily injury and property damage to others, no-fault personal injury coverage, and physical damage coverage for your vehicle(s) for collision or other perils.

Safety Insurance offers a variety of commercial policy forms and limits of coverage that can be customized to offer more protection than a standard policy.

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Company History

Safety Insurance was founded in 1979 in Boston, Massachusetts and remains a preferred provider of auto, home and business insurance.

Safety provides insurance to residents of Massachusetts, New Hampshire, and Maine where they have strong, working relationships with 890 independent insurance agents in 1,101 locations. 

Safety Insurance work with independent agents guarantees unbiased, local information about insurance coverage and discounts that fit your unique situation. 

Safety is currently the third largest private passenger automobile carrier, the second largest commercial automobile carrier and the fourth largest homeowner carrier in Massachusetts. 

In addition to private and commercial car insurance, Safety also offers lines of commercial lines insurance products including, business owner policies and commercial umbrellas.

Safety Insurance also partners with Safe Roads Alliance and In Control Crash Prevention to keep their customers informed about driver safety and experience.


Safety Insurance Reviews

5 Stars
64% Complete
3 Stars
28% Complete
1 Star
7% Complete
Most Helpful Review
By Peter
June 7, 2018

Most Recent Review
By Gina
October 25, 2018