Safeco Auto Insurance Review

Safeco is a solid option for car insurance, and its coverage options may be especially appealing to ride-share drivers, but it scores lower than many competitors when it comes to claims satisfaction.

star2star2star2star2starLight

Overview

Safeco, which is backed by parent company Liberty Mutual, offers the security that comes with a big carrier and the standard coverage options you can also expect from many of its competitors.

Safeco also boasts some less standard coverage options that might make it appealing to certain drivers, like coverage for ride-share drivers, additional coverage to protect pets injured in an accident, and coverage for many vehicle customizations you may have added to either the exterior or interior of your car.

That said, Safeco’s claim satisfaction ratings lag behind many of its competitors, scoring well below other major carriers, including State Farm, Travelers, Allstate and GEICO on the J.D. Power 2018 U.S. Auto Claims Satisfaction Study.

But with a wide network of agents, competitive rates, a range of discounts and tools like online bill paying and claims filing, Safeco is a solid choice for many drivers.

Pros

  • Backed by Liberty Mutual
  • Nonstandard coverage options like ride-share insurance
  • Online bill paying and claims filing
  • All policies cover reimbursement for first aid administered to others after an accident

Cons

  • Below-average claims satisfaction ratings
  • Website can be difficult to navigate
  • Not available in every state

By The Numbers

Founded: 1923

Market Share: 6.74%

A.M. Best rating: A (Excellent)

Better Business Bureau rating: B+

Consumer Reports rating: N/A

J.D. Power Claims Satisfaction rating: 848

Which states is Safeco car insurance available in?

Safeco car insurance is available in 46 states. It’s not available in Hawaii, Delaware, New Jersey, Rhode Island or the District of Columbia.

safeco-auto-insurance-availability

StateAvailabilityStateAvailability
AlabamaXMontanaX
AlaskaXNebraskaX
ArizonaXNevadaX
ArkansasXNew HampshireX
CaliforniaXNew Jersey
ColoradoXNew MexicoX
ConnecticutXNew YorkX
Delaware North CarolinaX
FloridaXNorth DakotaX
GeorgiaXOhioX
Hawaii OklahomaX
IdahoXOregonX
IllinoisXPennsylvaniaX
IndianaXRhode Island
IowaXSouth CarolinaX
KansasXSouth DakotaX
KentuckyXTennesseeX
LouisianaXTexasX
MaineXUtahX
MassachusettsXVermontX
MarylandXVirginiaX
MichiganXWashingtonX
MinnesotaXWashington D.C.
MississippiXWest VirginiaX
MissouriXWisconsinX
WyomingX

Policy Details

As a large carrier backed by parent company Liberty Mutual, Safeco offers coverage options that put it in step with its competitors. Most drivers will be able to find all the basic coverage they need through Safeco, along with some standout offerings that you might not be able to find at other places, like pet coverage and reimbursement for up to $10,000 on any first aid provided to others after an accident, standard in every Safeco auto policy.

Standard coverage options

  • Liability protection - Basic coverage that’s required in most states, liability protection helps cover you financially if you cause injuries to someone else or damage to their vehicle or other property.

  • Collision coverage - This covers damage to your own vehicle caused by an accident.

  • Comprehensive coverage - Covers you financially for damage to your vehicle not caused by a collision, like damage from hail, flooding, fire, vandalism, or theft.

  • Personal injury protection - This covers medical expenses as well as lost wages and other expenses if you and your passengers are injured in an accident.

  • Medical payments coverage - Also called “Med Pay,” this helps cover medical expenses for you or your passengers after a car accident, regardless of who was at fault.

  • Uninsured and underinsured motorists coverage - This covers costs incurred by an accident with a driver who doesn’t have insurance or whose insurance doesn’t cover the full extent of the damage to your car.

Additional coverage and features

  • Pet coverage - Covers veterinary costs or pays out a death benefit if your dog or cat is injured or killed in a collision.

  • Ride-share coverage - Covers ride-share drivers in the gaps while they’re on the clock but before or after they have a passenger.

  • Audio-visual and custom equipment coverage - Covers any audio-visual systems or custom equipment that weren’t installed by the factory or dealership, like a custom stereo or wheels.

  • Emergency assistance package - This includes basic roadside assistance as well as coverage of up to $100 for expenses and up to $500 for meals, lodging, and transportation if you’re in an accident more than 25 miles from your home.

  • Electronic key and lock replacement - Pays to replace electronic car keys if they’re lost or stolen, and also replaces the locks, with no deductible.

  • Accident forgiveness - All Safeco policy holders can qualify for one-time accident forgiveness after a certain amount of time has passed with no accidents or driving violations.

How much does Safeco cost?

Car insurance costs can be difficult to estimate because they’re so variable. The cost of your auto policy will depend on everything from your ZIP code to your driving history to your credit score, so it’s difficult to say how much a Safeco policy will cost an average driver.

That said, let’s take a look at a sample auto insurance policy from Safeco for a driver in a Midwestern state with two vehicles: A two-year-old Kia Soul and a seven-year-old Volkswagen Jetta. The total annual premium for the policy was $1,138. In that same state, the average annual auto insurance premium for a one-car policy was $755.03.

Basic CoveragesPolicy Limits
Bodily injury liability$100,000 each person, $300,000 each accident
Property damage liability$50,000 each accident
Uninsured motorists bodily injury$100,000 each person, $300,000 each accident
Uninsured motorists property damage$25,000 each accident
Comprehensive$1,000
Collision$500
Roadside assistanceN/A
Loss of use$50 each day

Total annual premium = $1,138

Discounts

Like most of its competitors, Safeco has a range of discounts available to drivers, including discounts for bundling home and auto insurance, discounts for insuring multiple cars on the same policy, and discounts for certain features, like anti-lock braking systems or anti-theft devices. Safeco also offers discounts for safe driving and for taking an accident prevention course.

Company details

Application process

Safeco has an online quote process, although when we tried to get a quote, the website was unable to generate one and directed us to call an agent instead. But if the website works the way it’s supposed to, Safeco promises an “instant quote” in a manner of minutes. Of course you can also get a quote by calling an agent.

Claims process

Safeco allows you to file an auto claim online or over the phone. It also helps you track your claim online or through your assigned representative. The Safeco mobile app, while it doesn’t technically support claim filing, allows you to report an accident, send photos from the scene, and record contact information for witnesses.

But it’s important to note, again, that Safeco scored lower than average (and lower than some of its competitors) on J.D. Power’s most recent claims satisfaction study. And online complaints from Safeco customers mentioned delays in hearing back from adjusters.

Other types of insurance offered

  • Motorcycle insurance - Insurance for your motorcycle, whether it’s a Harley or a Kawasaki

  • Boat and watercraft insurance - Insurance for your seafaring vessels

  • RV/trailer/motorhome insurance - Insurance for your home (or vacation home) on wheels

  • ATV and off-road insurance - Insurance for your all-terrain vehicle

  • Snowmobile insurance - Insurance for your sweet, sweet snowmobile

  • Home insurance - Insurance for your house

  • Condo insurance - Insurance for everything that’s not covered by your condo association’s master policy

  • Landlord insurance - Insurance to protect you from damage caused by your tenants

Digital tools

  • Online claim filing and tracking

  • A Safeco mobile app that lets you report an accident, track claims and pay bills

Contact info

Website: www.safeco.com

Phone: (206) 545-5709

Headquarters: 4333 Brooklyn Ave., NE Safeco Plaza, WA, 98105

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s car insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.

pgLogoBlack

50 West 23rd Street, Floor 9

New York, NY 10010

24/7 - Available when you need us

Monday-Thursday | 9am-11pm ET
Friday | 9am-8pm ET
Saturday | 9am-9pm ET
Sunday | 10am-9pm ET