The ins and outs of what Safeco auto insurance plans offer and who they cater to
First established in 1923, Safeco started out selling life and fire insurance as a subsidiary company of The General. Today, Safeco is a subsidiary of Liberty Mutual and focuses exclusively on personal auto and home insurance.
Safeco is available in 48 states, has low average annual rates ($1,373), and offers various insurance coverage options for your car, motorcycle, boat, and other types of vehicle. It offers a variety of features and add-ons, like pet insurance and rental car reimbursement, that allow you to customize the best plan for your needs. On top of that, Safeco has some great discounts for safe drivers and motorists, as well as a unique coverage plan catered to Harley-Davidson riders.
Below, we’ll cover everything you need to know about Safeco’s coverage options, discounts, availability, additional features, and more.
With the financial backing of a leading provider, several ways to customize your insurance, and decades of experience in the industry, Safeco is a great provider if you live in a state where it’s available. The provider is also a good option if you’re looking to bundle or consolidate insurance plans for your car, motorcycle, RV, boat, ATV, golf cart, and more.
Affordable rates: Safeco has an average annual rate of $1,373, which is almost half the price of the national average.
Financial backing of Liberty Mutual: With the backing of Liberty Mutual and an excellent A.M. Best financial score (A), you can depend on Safeco to pay any promised benefits or fulfill future claims.
Flexible coverage add-ons: Safeco offers a wide variety of coverage add-ons that allow you to customize your insurance plan.
Ample discounts: You can lower your auto insurance rates with one of Safeco’s many discounts, which we’ll take a closer look at below.
Limited availability: Safeco is not available for drivers living in Delaware, Hawaii, and Washington, D.C.
Lower-than-average customer service ratings: Of the top midsize insurance providers, Safeco received an 845 J.D. Power rating, which is slightly lower than the segment average of 858. It also has a 1.69 NAIC complaint rating, which means customers complain to Safeco at rates higher than the expected market average.
Most car insurance companies place a per-day and overall cap on rental reimbursement benefits, so the more expensive your rental car, the more quickly your reimbursement benefits will dry up.
The average annual cost of Safeco is $1,373, which is significantly lower than the national annual average of approximately $2,000. Factors like your location, marital status, gender, driving history, and age play a role in your auto insurance rates, so reach out to a local agent and ask for a quote.
Safeco has a range of discounts that can help you save on car insurance. Talk to an agent to see if you’re eligible for any of the following savings opportunities.
Safeco’s low-mileage discount is a scaling discount, so the less you drive, the more you’ll be able to save.
You can manage your Safeco customer service needs through a phone call, online portal, mobile app, email, or in person at a local agency.
Safeco’s J.D. Power Index score (845 out of 1,000) is right around the average (855) for its size and is considered high for most industries. According to data from the National Association of Insurance Commissioners, Safeco also receives fewer complaints than most of its competitors. We’ll take a closer look at those numbers below.
The Safeco app is easy to use, sleek, and comprehensive in its features and capabilities. With the mobile app and online portal, you’ll be able to take the following actions:
The app has a 4.2 out of five rating from the Google Play Store and a 4.8 rating from the Apple Store. You can also manage your Safeco RightTrack account through your mobile device. It’s as simple as downloading the RightTrack app, updating your settings, and allowing it to track your driving automatically.
Safeco has respectable scores from third-party ratings and providers.
Safeco began in 1923 when insurance executive Hawthorne K. Dent started the company. At the time, Safeco was known as “The General;” it didn’t have its current name until 1953 when The General established Safeco as a fire and life insurance subsidiary. In 2004, Safeco sold its life insurance and investment division to focus on property and casualty insurance. Finally, in 2008, Safeco became a part of its current parent company Liberty Mutual and has offered auto, home, and small business insurance since the merger.
Safeco does not have any cancellation fees. To cancel your Safeco insurance, contact your local agent or call the customer service team at 1-800-332-3226.
If your claim payment qualifies, Safeco will send you an email with a link to its payment center. From there, you can request that Safeco transfer your money to an existing debit card or PayPal account. You can also ask for a bank account transfer (expect a one- to two-day wait) or a check in the mail.
With an average annual rate of $1,373, Safeco is one of the most affordable providers in the country. Safeco’s average rate is almost half the national annual average of $2,071 and is more affordable than its competitors on average.
Safeco will determine your insurance rates based on several factors, including your location, age, vehicle, gender, credit score, and driving history. Rates vary significantly depending on these individual determinants, so the best way to learn about your rates is to speak directly with an agent.
While Safeco writes mostly auto and home insurance policies, it’s also known for its motorcycle insurance (especially for Harley-Davidson riders).
Auto Insurance Rate Hikes Erode Price Satisfaction, Drive Surge in Value Shopping, J.D. Power Finds. J.D. Power. (2022, May 23).
Safeco Insurance Companies. Better Business Bureau. (2022).
Safeco Insurance Company of America. AM BEST. (2022, Jul 27).
Results by Complaint Index. National Association of Insurance Commissioners. (2022).