Safeco Insurance Review

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About Safeco

Safeco is part of Liberty Mutual. Half of Safeco's business (about 48%) is in private passenger auto insurance, according to S&P Global Market Intelligence. About 14% is homeowners/farmowners insurance.

Safeco Insurance customer satisfaction ratings for auto insurance

Overall ratingPrice satisfaction Customer service satisfaction
3.5 stars 3.5 stars 3 stars

Would you choose Safeco again for auto insurance?

Yes Maybe No
76% 23% 1%

See more ratings: Best car insurance companies

Safeco car insurance price comparison

Here's a look at how car insurance premiums compare among Safeco and other large auto insurers.

Company Monthly premium paid
American Family $115
Travelers $123
State Farm $126
Farmers $131
Safeco $134
Nationwide $135
USAA $135
Allstate $136
GEICO $136
Liberty Mutual $144
Progressive $149
Source: Premiums reported by EverQuote users, based on policies with bodily injury liability coverage of 100/300. Rates are based on single vehicles with one driver who has a good driving record with no violations. Premiums for sedans, coupes and hatchbacks were averaged. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Safeco Insurance options

Here's a look some Safeco auto insurance options.

SR-22 filings

Proof of financial responsibility.

Yes
Gap insurance
Also called auto loan/lease coverage. This can pay the difference between the value of a totaled or stolen car and what's still owed on a car loan or lease.
Yes
Usage-based insurance
Insurance with rates based on driving habits, such as hard braking.
Yes, RightTrack
Non-owner insurance

Liability insurance for people who don't own vehicles.

Yes
Rideshare insurance

Extra coverage for Uber drivers and others.

Yes
Source: EverQuote research. Product options might not be available in all states.

More Safeco car insurance features

Accident forgiveness

You won't get a surcharge for the first at-fault accident caused by a driver age 18 or older. (Additional at-fault accidents and any accidents caused by drivers under 18 will get a surcharge.) You must have been accident-free for a certain time to qualify; the time period depends on what type of Safeco policy you have.

New vehicle replacement

If you total your new car within the first year, Safeco will pay the cost of a new comparable vehicle.

Original parts replacement

If you have a collision or comprehensive claim, Safeco will pay for original equipment manufacturer parts (rather than aftermarket parts).

Diminishing deductible

If you don't make a claim, Safeco will reduce your collision deductible by $100 at each annual policy renewal, up to a maximum of $500 or five years.

Safeco Safety Rewards

For good drivers, this bundles discounts and rewards together:

  • Accident forgiveness.
  • Diminishing deductible.
  • Accident-free Discount.
  • Violation-free Discount.

Claims-Free Cash Back

Safeco customers with 12-month Superior or Ultra policies can get up to 5% cash back each year. Eligibility rules for the cash back include having no claims within the last six months (not-at-fault claims, at-fault claims below a certain threshold, and comprehensive-only claims don't count).

Personal property coverage

Pays for personal belongings damaged or stolen from your car. Other auto insurers typically don't cover belongings in a vehicle.

Pet coverage

For vet expenses or a death benefit if your dog or cat is injured or killed in a car accident.

Reimbursement for first aid

Reimbursement of expenses up to $10,000 for delivering first aid to others at the time of an auto accident.

Electronic key and lock replacement

If your electronic keys are stolen lost or stolen, Safeco will replace them, along with any remote control pads and locks.

Safeco car insurance discounts

Here are some of the Safeco auto insurance discounts offered, based on our review of state insurance filings made by Safeco. Discounts details may change among states, and may not be available in all states or from every Safeco subsidiary.


Homeowner.

Good student: For full-time students who meet academic criteria and driving record rules.

Distant student: For youthful drivers who are at school more than 100 miles from home and who don't have a car.

Driver training: For drivers under age 21 who have completed a driver-training course and have not had an at-fault accident or traffic violation in the last three years. It doesn't count if you have to take the course as a penalty for a traffic violation.

Accident-prevention course: For drivers at 55 and older who take an approved course.

Accident-free: For no at-fault accidents in the last 34 months.

Violation-free: For no violations in the last 34 months.

New teen: For drivers who've had a Safeco policy for at least a year and are adding a newly licensed driver who's under age 20.

Newly independent: For people such as recent college grads who have been insured under a Safeco policy and are now purchasing their own Safeco policy.


Air bag.

Anti-theft.

Low mileage: If you drive less than 8,000 miles a year.


Multi-car.

Multi-policy: For people who buy auto insurance plus home, condo, renters, watercraft, motorcycle, landlord or umbrella insurance from Safeco.

Coverage discount: If one or more vehicles have both liability and collision and/or comprehensive coverage.

Advance quote: For new customers who get a quote one day or more before the new policy starts or the previous policy expires.

Billing plan: For paying in full or doing an annual two-pay plan.

Preferred payment: For certain payment types such as electronic funds transfer (EFT).

Consumer complaints against Safeco

Every state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business. The industry median ratio is 1.00 and lower numbers are better.

Safeco Insurance complaints

Safeco Insurance customer satisfaction ratings for homeowners insurance

Overall ratingPrice satisfaction Customer service satisfaction
3 stars 3 stars 3 stars

Would you choose Safeco again for homeowners insurance?

Yes Maybe No
71% 26% 3%

Companies within Safeco Corp.

Many insurance companies have several subsidiaries. These subsidiaries may not operate in all states and could focus on different types of customers or business. Safeco's insurance subsidiaries include:

  • American States Preferred Insurance Co.
  • American Economy Insurance Co.
  • American States Insurance Co. of Texas
  • Safeco Insurance Co. of America
  • Safeco Insurance Co. of Illinois
  • First National Insurance Co. of America
  • Safeco National Insurance Co.
  • Safeco Insurance Co. of Oregon
  • Safeco Surplus Lines Insurance Co.
  • American States Insurance Co.
  • General Insurance Co. of America
  • Safeco Insurance Co. of Indiana
  • Safeco Lloyds Insurance Co.

Source: S&P Global Market Intelligence

Safeco contact information

Headquarters for Liberty Mutual, owner of Safeco:
175 Berkeley Street
Boston, MA 02116
website
Customer service and claims: (800) 332-3226

Methodology for ratings

For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Safeco in March 2018. The survey was not open to the public on EverQuote.com.

Updated Nov. 5, 2018

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