Safeco Insurance is part of Liberty Mutual Insurance, a Fortune 100 company and the sixth-largest in the country in terms or personal lines of insurance. Safeco is available in all 50 states and is known for low rates and solid customer service. The insurer offers ample policy discounts and opportunities to customize your coverage.
Safeco also offers a variety of products outside of auto insurance including home, motorcycle, boat and watercraft.
Here’s what real Jerry customers say are the benefits and drawbacks of Safeco.
Pros:
- Low rates, even with full coverage.
- Exceptional customer service.
- Available in all 50 states.
- A wide range of coverage and bundling options.
Cons:
- Issues with the claims process.
- May unexpectedly drop customers.
Is Safeco the right insurance company for you?
Safeco is a great choice for drivers who:
- Prefer working with local, independent agents.
- Want personalized insurance plans.
- Plan to bundle home and auto insurance.
- Seek full coverage.
Safeco insures drivers in all 50 states and Washington, D.C., and provides 24/7 claims service. The company offers standard auto, renters, and homeowners insurances, as well as classic car and umbrella insurance.
The company has an A rating from AM Best, indicating a strong ability to pay out claims. Safeco also has an A- accredited rating from the Better Business Bureau and an above-average rating from Clearsurance, which compiles ratings from Safeco customers.
How Jerry customers rate Safeco
Hundreds of Jerry customers have rated their experiences with Safeco, and the majority of the reviews are positive.
Find real Safeco car insurance quotes
Here are some recent Safeco policy quotes Jerry customers have received.
|
Date of Policy
|
Avg Monthly Quote
|
Car Year
|
Car Make and Model
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| January 4, 2025 | $434 | 2017 | Kia Sorento | 25/50 | Yes |
| January 4, 2025 | $98 | 2019 | Chevrolet Camaro | 25/50 | Yes |
| January 4, 2025 | $223 | 2009 | Toyota Prius | 25/50 | Yes |
| January 4, 2025 | $52 | 2017 | Subaru Wrx | 25/50 | No |
| January 4, 2025 | $121 | 2018 | Audi A4 | 100/300 | Yes |
| January 4, 2025 | $31 | 2019 | Chevrolet Camaro | 25/50 | No |
| January 4, 2025 | $164 | 2013 | Chevrolet Malibu | 100/300 | Yes |
| January 4, 2025 | $112 | 2009 | Kia Optima | 100/300 | Yes |
| January 4, 2025 | $88 | 2013 | Nissan Altima | 25/50 | No |
| January 4, 2025 | $367 | 2024 | Nissan Versa | 25/50 | Yes |
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.
Safeco car insurance discounts
Safeco offers a wide array of insurance policy discounts, including:
- 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 renters and classic car insurances 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 via mobile app and rewards safe drivers.
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 (UM/UIM): 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 pays for a rental car if while vehicle is in the shop after 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, Rideshare coverage protects you between assignments, when your other coverage may not.
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.
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.
