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

523 Reviews

5 Stars

66.54%

4 Stars

17.21%

3 Stars

9.94%

2 Stars

2.68%

1 Star

3.63%

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:

Great rates, even with

full coverage

Exceptional customer service

The other side: Safeco customer complaints tend to focus on claim denials and dropped coverage.

Jump to:

Safeco Car Insurance Reviews

Safeco Pros and Cons

Compare Safeco Quotes

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:

Criteria	Safeco's Rating	Industry 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:

Pros

Excellent customer support

Most customers find low rates

A wide range of coverage and bundling options

A seamless buying process

Cons

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 to

bundle home and auto insurance

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:

MORE:

9 questions to ask when comparing car insurance quotes

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 Rating	Ranking	Industry 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:

Gender

Age

Driving history

Insurance history

ZIP code

Driving experience

Type of insurance and

amount of coverage

Vehicle make, model, and year

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:

MORE:

The average cost of car insurance in 2023

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)	Customer	Car	Insurance Coverage
$167	Alberta, 38 Charlotte, NC	Cadillac SRX	• State Minimum Liability
$115	Lucy, 34 Mooresville, NC	Volvo XC60 3.2	• 50,000/100,000 Liability • Comp / Collision
$175	Jason, 38 Faribault, MN	Ford Mustang Mach-E Selec	• 100,000/300,000 Liability • Comp / Collision
$104	Lottie, 49 Concord, NC	Honda Civic EX	• 50,000/100,000 Liability • Comp / Collision
$210	Gilbert, 32 New Braunfels, TX	Ford Explorer St-Line	• 100,000/300,000 Liability • Comp / Collision

Last Updated Dec 21, 2024

Compare car insurance quotes now

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 Rating	Ranking	Industry 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 Rating	Ranking	Industry 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.

Safeco

Jimmy (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Norman, OK

Chevrolet Malibu LT

$266

per month

Safeco

Clara (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Vienna, MO

KIA Optima LX

$222

per month

Safeco

Lester (22 years old)

Coverage

State Minimum

New Castle, PA

Chevrolet Malibu LT

$99

per month

Safeco

Oscar (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Newtown, CT

Nissan Altima 2.5

$187

per month

Safeco

Etta (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Gwinn, MI

Mercury Mariner Premier

$97

per month

Drivers over 55 tend to pay lower rates, while

senior drivers

over 75 can expect their rates to be higher.

Safeco

Esther (65 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Houston, TX

Toyota Camry LE

$144

per month

Safeco

Nettie (68 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Union Dale, PA

Pontiac G5

$87

per month

Safeco

Mina (80 years old)

Coverage

State Minimum

Ormond Beach, FL

Toyota Sienna XLE

$76

per month

Safeco

Luis (67 years old)

Coverage

State Minimum

Humble, TX

Nissan Murano S

$68

per month

Safeco

Isabel (76 years old)

Coverage

State Minimum

Braddock, PA

Ford Fiesta SE

$94

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 Type	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	$107	Philip, 35 Zip: 74137	Chevrolet Traverse LS	• State Minimum Liability • Comp / Collision
Speeding 6-10	$191	Julia, 27 Zip: 29617	Infiniti G37 IPL	• State Minimum Liability • Comp / Collision
Speeding 11-15	$266	Barry, 46 Zip: 29681	Ford F-150	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	$356	Steven, 37 Zip: 30324	Toyota Camry LE	• 50,000/100,000 Liability • Comp / Collision
Speeding 21+	$248	Bertha, 34 Zip: 33584	Ford F-150 Supercrew	• 100,000/300,000 Liability • Comp / Collision

Last Updated Dec 25, 2024

DUI or DWI

will raise your insurance premiums with Safeco.

Accident Type	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	$107	Philip, 35 Zip: 74137	Chevrolet Traverse LS	• State Minimum Liability • Comp / Collision
Speeding 6-10	$191	Julia, 27 Zip: 29617	Infiniti G37 IPL	• State Minimum Liability • Comp / Collision
Speeding 11-15	$266	Barry, 46 Zip: 29681	Ford F-150	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	$356	Steven, 37 Zip: 30324	Toyota Camry LE	• 50,000/100,000 Liability • Comp / Collision
Speeding 21+	$248	Bertha, 34 Zip: 33584	Ford F-150 Supercrew	• 100,000/300,000 Liability • Comp / Collision

Last Updated Dec 25, 2024

Unless you pay for

accident forgiveness

, a single at-fault accident could cause your insurance rates to jump.

Accident Type	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	$222	Connor, 55 Zip: 77095	Tesla Model 3	• State Minimum Liability • Comp / Collision
At Fault With Injury	$142	Belle, 50 Zip: 31019	Mitsubishi Outlander SE	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	$304	Bernard, 34 Zip: 20902	Toyota Camry	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	$107	Bernard, 35 Zip: 74137	Chevrolet Traverse LS	• State Minimum Liability • Comp / Collision
At Fault With Injury	$167	Cody, 38 Zip: 28270	Cadillac SRX	• State Minimum Liability

Last Updated Dec 26, 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.

Violation	Premium (monthly)	Customer	Car
Careless Driving	$240	Jeremiah, 32 Cambridge, MD	Ford Focus ZX4
Cell Phone	$140	Rena, 31 Chicago, IL	Ford Fusion Titanium HEV
Illegal Turn	$220	Lura, 28 South Rockwood, MI	Chevrolet Equinox LTZ
Leaving scene of an Accident/Hit and Run	$119	Stella, 41 Roanoke, VA	Mazda 3 i
Defective Equipment	$250	Della, 24 Littleton, CO	Subaru Forester 2.5X

Last Updated Dec 27, 2024

FAQs

Is Safeco good at paying out claims?

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.

Are Liberty Mutual and Safeco the same?

Safeco became a part of Liberty Mutual in September 2008.

Who is better, Progressive or Safeco?

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.

Is Safeco a legit insurance company?

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).

What is Safeco’s customer service like?

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

R.E. Fulton

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.

Lina Zhang

Licensed Insurance Agent

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.

Josh Damico

Head Of Insurance Operations

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.