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Safeco Car Insurance Review
(Mar 2024)

In a study of real insurance policyholders’ experiences, the Jerry research team ranked Safeco 3rd overall compared to companies of a similar size.
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Lina Zhang
Licensed Insurance Agent, VP of Operations
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by R.E. Fulton, Licensed Insurance Agent —Senior Content Writer

Comprehensive Safeco Car Insurance Review

Safeco is one of the best car insurance companies in 2023, according to the hundreds of customer reviews analyzed by the Jerry research team.
Jerry
experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more. 
Here’s a breakdown of how our verified Safeco policyholders ranked Safeco:
4.4
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455 Reviews
5 Stars
67.69%
4 Stars
16.92%
3 Stars
9.45%
2 Stars
2.64%
1 Star
3.3%

So, is Safeco a good insurance company?

Yes, Safeco is a good insurance company overall. 
We analyzed more than 500 first-hand testimonies from real Safeco policyholders. In the reviews, 86% of respondents reported positive experiences with Safeco, while only 6% shared negative experiences. 
Compared to the national average of 64% positive reviews, Safeco is knocking it out of the park!
The good: Positive reviews of Safeco focus on affordable prices and impeccable customer service. Most Safeco policyholders report:
The other side: Safeco customer complaints tend to focus on claim denials and dropped coverage. 
We asked Safeco policyholders to rate the company based on its affordability, claims process, customer service, and renewal procedure. 
Check out how Safeco’s ratings measure up against the national average:
CriteriaSafeco's RatingIndustry Average
Overall
4.5
4.1
Cost / Price
4.2
3.8
Claim Experience
3.9
3.5
Customer Service
4.3
4
Renewal Experience
4.5
4
Safeco writes insurance policies in all 50 states and the District of Columbia. 
While performing our Safeco insurance review, we thought it was important to see how top third-party rating agencies rank the company in addition to our own survey data.
Here’s how Safeco compares to other leading insurance agencies according to third-party reviewers:
Critera
Safeco
Score Out Of
BBB Rating
A+
A+
NAIC Rating
1.25
6
Clearsurance
4.02
5
A.M. Best Rating
A
A++
IOS App Store Rating
4.8
5
Google Play Store Rating
4.1
5
Please note* that a greater NAIC score indicates increased risk.

Safeco car insurance reviews

We asked real Safeco customers to rate the company based on categories that interest us, but we also wanted to hear about their personal experiences. Here’s what some actual Safeco policyholders had to say:

Safeco pros and cons

Here are the top Safeco pros and cons based on our national auto insurance review and third-party data:
iconPros
Excellent customer support
Most customers find low rates
A wide range of coverage and bundling options
A seamless buying process
iconCons
Some customers complain of being dropped unexpectedly
Some policyholders report issues with the claims process

Is Safeco the right insurance company for you?

Safeco is a great choice for:
  • Drivers who prefer working with local, independent agents
  • Drivers looking for personalized insurance plans
  • Drivers looking for full coverage car insurance
Keep in mind: Not all drivers that fall into these categories will find the best insurance rates with Safeco. Similarly, even drivers who prefer to handle all their insurance needs online can find great rates with Safeco. 
Safeco offers its products in all 50 states plus Washington D.C. and provides 24/7 claims services. The company offers insurance products ranging from standard auto, renters, and homeowners insurance to classic car and umbrella insurance. 
Learn more about Safeco’s insurance services below:

Is Safeco car insurance expensive?

Most Safeco customers reported that they paid fair rates based on their driving record. 
According to our survey, 28% of respondents mentioned cost directly in their reviews. Of those reviews, 77% were positive, while only 16% were negative. 
We ranked Safeco 4th for cost satisfaction when compared to similar-sized insurance companies. Customers gave Safeco 4.2/5 stars for cost, which is substantially better than the 3.8/5 national average. Here’s how Safeco compares to other companies in our study:
Safeco Policy Cost RatingRankingIndustry Average
4.2
4
3.8
Keep in mind: Auto insurance quotes and rates are different for everyone. Like other insurance companies, Safeco
calculates insurance rates
based on:
While each state allows insurers to base insurance rates on different factors, there are some general trends. Here’s how Safeco trends based on our data: 

Safeco cost reviews

Check out how real Jerry users rated Safeco based on cost below:

Find real Safeco car insurance quotes

Jerry
can help you determine if Safeco is the right car insurance company for you. In just a few seconds, we’ll help you
compare auto insurance quotes
from Safeco and 55+ other top insurers. 
Here are some recent Safeco policy quotes Jerry found for our customers:
Premium (monthly)CustomerCarInsurance Coverage
$164
Chevrolet Trax 1LT
• State Minimum Liability
• Comp / Collision
$203
BMW X3 3.0i
• 50,000/100,000 Liability
• Comp / Collision
$83
Nissan Armada SV
• 50,000/100,000 Liability
• Comp / Collision
$143
Nissan Altima 2.5
• 50,000/100,000 Liability
• Comp / Collision
$73
Chevrolet Camaro LS
• State Minimum Liability
coverageLast Updated Mar 19, 2024

Will Safeco raise your rates?

Like all insurance companies, Safeco can only raise your car insurance rates upon
policy renewal
Some common reasons your Safeco rates might increase include:
  • Inflation
  • New accidents
  • New violations or tickets
  • New address
  • A new vehicle on the policy
  • New driver on the policy
According to our study, 64% of policyholders chose to renew their Safeco plans. 

Does Safeco resolve claims fast?

Safeco provides 24/7 claims services but does not specify how fast it will resolve any
car insurance claims
When you file a claim, an adjuster will investigate your claim, review the injuries and damages, and determine liability and coverage details before offering a settlement or denial. 
Out of the Safeco policyholders who responded to our survey, 64% reported filing a claim. Those customers gave Safeco 3.9/5 stars for its claims process.
Compared to the national average of 3.5/5, Safeco is doing better than many of its competitors. Jerry’s insurance experts placed Safeco in 9th place for its claims process when compared to similar-sized companies. 
Here’s how consumers rated Safeco’s claims process, in their own words:
Safeco Claims Resolution RatingRankingIndustry Average
3.9
9
3.5

Safeco claims reviews

See how real Jerry drivers rated Safeco based on claim handling below:

Does Safeco have good customer service?

According to our data, Safeco has excellent customer service. 
Our survey respondents gave Safeco 4.3/5 stars for its customer service. Compared to the national average of 3.9/5, Safeco is one of the top auto insurance companies for customer service. 
Five-star reviews of the company frequently mention exceptional customer service and helpful and friendly agents. 
Here’s how some of our survey respondents rated Safeco’s customer service:
Safeco Customer Service RatingRankingIndustry Average
4.3
5
4

Safeco customer service reviews

Check out how real Jerry drivers rated Safeco based on customer service below:

Safeco car insurance discounts

Safeco offers a wide array of insurance policy discounts. 
Car insurance discounts
help drivers save money by reducing premiums based on factors like driving habits, safety features, mileage, and policy bundling. You may get discounts for installing safe driver devices in your car or enrolling in a usage-based policy.
23% of our survey respondents listed discounts as a reason for their positive reviews. 
Some of the discounts Safeco offers include: 
  • Accident-free discount: Provides a lower rate for drivers who go three years without an accident.
  • Accident prevention course discount: Drivers who take an approved accident prevention course are eligible for discounted rates.
  • Low mileage discount: You can get a discount for driving less.
  • Safety feature discount: Provides a discount for driving a car with certain safety devices.
  • Pay in full discount: If you pay your premium upfront, you can get a discounted rate.
  • Teen safety rewards discount: Provides a discount if a teen driver on the policy attends a driver education course, gets good grades, or goes to school more than 100 miles away from the car. 
  • Bundling discount: You can save money by purchasing more than one policy with Safeco. For example, bundling your renters insurance with your classic car insurance may save you money. 
  • Multi-vehicle discount: Provides a lower rate for insuring two or more cars with Safeco.
  • Safeco RightTrack discount: Drivers who enroll in the RightTrack program, which monitors driving habits and rewards safe drivers, can save more than $500 annually. 
Remember that discount options can change over time, and Safeco might offer different options in your area. Speak to a Safeco insurance agent or visit the website to find the most up-to-date discount information.

Safeco coverage options

Your car insurance requirements are based on your state and driver profile. Some of the
common types of car insurance
coverage that Safeco offers include: 
  • Comprehensive coverage
    : Comprehensive insurance covers your car if it’s damaged by something other than a collision, like vandalism, theft, or extreme weather.
  • Collision coverage
    : Collision insurance pays for damages caused by accidents.
  • Liability insurance
    : Liability insurance is required by most states and covers damages you cause to others’ personal property in an at-fault accident. It may include
    bodily injury liability
    and
    property damage liability coverage
  • Medical payments (MedPay)
    : MedPay covers medical bills for you and your passengers following an accident. 
  • Underinsured/uninsured motorist coverage
    : This coverage pays for medical bills and car repairs if you’re in an accident with a driver who has no coverage or doesn’t have enough insurance coverage.
  • GAP insurance
    : This coverage pays the difference between your car’s
    actual cash value
    and what you owe on a lease or loan following a total loss. 
  • Rental car reimbursement
    : This coverage can pay for a rental car if your vehicle is in the shop following an accident.
  • Better car replacement: This coverage will give you the money to buy a car that’s a model year newer if yours is totaled. 
  • New car replacement: If your car is stolen or totaled and is less than one year old with fewer than 15,000 miles, new vehicle replacement coverage provides you with the money for a brand-new car.
  • Original parts replacement: This add-on coverage pays for high-quality OEM replacement parts after an accident. 
  • Rideshare coverage
    : If you drive for a company like Uber or Lyft, you can get Rideshare coverage from Safeco.

Safeco’s additional tools and services

In addition to its coverage options, Safeco offers the following tools and services to enhance your experience: 
  • Diminishing deductible: For every year you don’t make a claim, you can get $100 off your collision deductible for up to five years. 
  • Accident forgiveness: Eligible drivers who go a set number of years without an accident can get their first accident waived. 
  • Claims-free cashback: Every six months you go without making an insurance claim, Safeco will send you a check for 2.5% of your premium. 

Compare Safeco quotes by driver profile

Check out the tables below to see how Safeco auto insurance costs can vary based on your driver profile.

Safeco quotes for teen drivers and senior motorists

Teen drivers
tend to pay steeper average rates for their auto insurance policies due to limited driving experience.
card cover
Jose (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$278
per month
card cover
Rosie (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$172
per month
card cover
Gussie (23 years old)
$81
per month
card cover
Lena (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$259
per month
card cover
Lewis (24 years old)
coverageCoverage
State Minimum
$68
per month
Drivers over 55 tend to pay lower rates, while
senior drivers
over 75 can expect their rates to be higher.
card cover
Sophia (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$172
per month
card cover
Eugene (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$128
per month
card cover
Luella (80 years old)
coverageCoverage
State Minimum
locationTrinidad, TX
$102
per month
card cover
Isabelle (72 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$103
per month
card cover
Carl (70 years old)
coverageCoverage
State Minimum
$123
per month

Safeco quotes for drivers with violations

Safeco provides
car insurance for high-risk drivers
, including those with DUIs and other serious violations, but does so at a higher rate. Check out the tables below to see how your driving history affects your insurance rates. 
A speeding ticket is one of the most common violations that can raise your car insurance rates. Check out these Safeco quotes that drivers found with Jerry’s help.
Accident TypePremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
$172
Edith, 40
Zip: 28779
Acura MDX Technology
• State Minimum Liability
Speeding 6-10
$121
Chester, 50
Zip: 27405
Chevrolet Sonic Premier
• State Minimum Liability
• Comp / Collision
Speeding 11-15
$206
Bernice, 35
Zip: 27265
Chevrolet Silverado K1500 LT
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
$195
Vera, 30
Zip: 43062
Honda Civic EXL
• 100,000/300,000 Liability
• Comp / Collision
Speeding 21+
$248
Ethan, 27
Zip: 30547
Ford Flex Limited
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 14, 2024
A
DUI or DWI
will raise your insurance premiums with Safeco.
Accident TypePremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
$172
Edith, 40
Zip: 28779
Acura MDX Technology
• State Minimum Liability
Speeding 6-10
$121
Chester, 50
Zip: 27405
Chevrolet Sonic Premier
• State Minimum Liability
• Comp / Collision
Speeding 11-15
$206
Bernice, 35
Zip: 27265
Chevrolet Silverado K1500 LT
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
$195
Vera, 30
Zip: 43062
Honda Civic EXL
• 100,000/300,000 Liability
• Comp / Collision
Speeding 21+
$248
Ethan, 27
Zip: 30547
Ford Flex Limited
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 14, 2024
Unless you pay for
accident forgiveness
, a single at-fault accident could cause your insurance rates to jump. 
Accident TypePremium (monthly)CustomerCarInsurance Coverage
At Fault With Injury
$187
Bernice, 25
Zip: 58104
Toyota RAV4 XLE
• State Minimum Liability
• Comp / Collision
At Fault With Injury
$82
Iva, 58
Zip: 30096
Honda Civic LX
• 50,000/100,000 Liability
At Fault With Injury
$143
Bobby, 38
Zip: 75007
Nissan Altima 2.5
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
$151
Scott, 60
Zip: 76801
KIA Spectra EX
• State Minimum Liability
• Comp / Collision
At Fault With Injury
$127
Blake, 28
Zip: 27455
Ford Fiesta SE
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 19, 2024
If speeding tickets, DUIs, or at-fault accidents don’t apply to you, check the table below to see how Safeco handles other traffic violations.
ViolationPremium (monthly)CustomerCar
Careless Driving
$133
Chevrolet Equinox LS
Cell Phone
$135
KIA K5 GT Line
Illegal Turn
$391
Infiniti Q50
Leaving scene of an Accident/Hit and Run
$270
Jeep Grand Cherokee Laredo
Defective Equipment
$97
Subaru Outback 3.6R Limited
coverageLast Updated Mar 14, 2024

FAQs

According to our survey, Safeco policyholders gave the company 3.9/5 stars for its claims process. Compared to the national average of 3.5/5, Safeco handles claims better than many of its competitors.
Safeco became a part of Liberty Mutual in September 2008.
According to our data, Safeco has an overall customer satisfaction rating of 4.5/5 stars, while Progressive has an overall customer satisfaction rating of 4.3/5. While customer reviews are subjective, this indicates to us that Safeco may have more happy policyholders than Progressive.
Safeco is a legitimate insurance company.
It has an A rating for financial strength with AM Best and scored 0.94 with the National Association of Insurance Commissioners (NAIC).
Our survey respondents gave Safeco’s customer service 4.3/5 stars, which is substantially higher than the national average of 4/5. This tells us that the majority of Safeco policyholders are pleased with the company’s customer service. 
Furthermore, most five-star reviews for Safeco mention the company’s exceptional service as a huge selling point.

Read all Safeco Car Insurance Reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
badge icon
Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.