Safeco Auto Insurance Review (2024)

If you’re searching for the best auto insurance company, look at Safeco automobile insurance. Safeco Insurance Company offers liability, collision, and comprehensive coverage options and allows policyholders to purchase add-ons for even more protection on the road.

Safeco offers car insurance coverage options to individuals throughout the United States. Safeco has options for discounts and allows customers to add on different types of coverage to customize their policies and feel safe on the road.

With Safeco car insurance, individuals can save money by taking advantage of discounts they may qualify for. In addition, Safeco allows people to customize their coverage to ensure they get what they want for themselves and their family members. Keep reading our Safeco Auto Insurance Review to learn more about the company.

Before committing to a Safeco auto insurance policy, find and compare car insurance quotes from multiple companies in your area to see which offers the coverage you want at the best possible price.

What You Should Know About Safeco Insurance

Is Safeco insurance good? Yes, Safeco ratings are high. It has an A (Excellent) financial strength rating with A.M. Best and a stable outlook for future endeavors.

In addition, the Safeco insurance rating with the Better Business Bureau (BBB) is an A+, but the company has many complaints on the BBB website.

According to J.D. Power’s annual surveys, Safeco customer service and claims handling rank it in the top ten for customer satisfaction. Safeco complaints do suggest that customer service could improve the claims handling process and communication with policyholders. Read Safeco car insurance reviews online to see what customers are saying in real-time.

If you need to file a claim or reach customer service, call the Safeco insurance company phone number at 1-800-332-3226.

Safeco Claims Reviews

The Safeco insurance review regarding claims is a mixed bag. It is among the top ten companies for claims satisfaction in the annual J.D. Power survey, but policyholders are still dissatisfied with two main parts of the Safeco claims process:

• Lengthy processing times: Delays in claim settlements are frustrating when you don’t have the necessary funds to repair or replace your car.
• Poor communication: Drivers report a lack of clear communication regarding claim status, requirements, and updates.

When you file a car insurance claim, you will need your policy number, the incident date and description, the resulting damage, and your personal information. You can file a claim with Safeco by using the company’s app or calling the Safeco claims phone number 1-800-332-3226. This is also the Safeco customer service number if you want to report your experience.

Once you file a claim, you can check the status of your claim on the Safeco app or using the Safeco claims number and extension your adjuster gave you.

What are the pros and cons of Safeco car insurance?

Some of the pros listed in Safeco insurance reviews include:

• Accident forgiveness and diminishing deductible
• Multiple ways to customize coverage
• Multiple discount options
• Safeco RightTrack program

However, the company does also have these downsides:

• Low customer satisfaction ratings
• Online quotes are obtained through agents 
• Not a lot of information on the price

Make sure to weigh the positives and negatives by comparing Safeco insurance ratings against other companies before making your final decision on car insurance.

Safeco Insurance Coverage Options

Safeco offers many of the coverage options you’re familiar with, including the following:

• Medical payments
• Personal injury protection
• Property damage liability
• Collision insurance
• Comprehensive insurance

In most states, the minimum requires people to purchase coverages like property damage and medical payments.

If you want added protection for yourself and your vehicle, you may want to consider purchasing a full coverage policy that includes both collision insurance and Safeco comprehensive coverage. With full coverage, you can add Safeco insurance for rental car reimbursement if you’re ever without your vehicle after a claim.

Here are extra features Safeco uses to incentivize people to purchase a policy with the company:

• Accident forgiveness
• Claims-free cash back
• Diminishing deductible

If you’re looking for a way to save money on your premiums and save even more in the future, these Safeco options may be an excellent fit for you.

Be aware that Safeco accident forgiveness is only available to policyholders who participate in Safeco Insurance Rewind. The Rewind program tracks driving habits to reward good drivers with a cheaper Safeco insurance quote.

Does Safeco have coverage add-ons?

There are additional ways Safeco policyholders can stay protected. These are some of the company’s most popular add-on options:

• Rideshare coverage
• Rental car reimbursement
• Personal property coverage
• Gap coverage
• New vehicle replacement
• Electronic key and lock replacement
• CD and DVD replacement
• Custom equipment coverage
• Pet coverage

While the coverages listed above will cause your rates to increase, the peace of mind you get with added protection may be worth the higher cost. Call the Safeco insurance phone number to add these coverages to your policy.

What other types of insurance does Safeco offer?

Safeco offers the following types of insurance in addition to auto insurance:

• Motorcycle
• Boat
• Classic car
• Motor home
• Off-road vehicle
• Snowmobile
• Golf cart
• Property
• Homeowners
• Renters
• Condo
• Landlord
• Umbrella
• Pet
• Identity theft

Safeco vehicle insurance is the most popular, but find reviews for Safeco Insurance online to learn more about the type of policy you’re interested in.

For instance, reading Safeco classic car insurance reviews will help you determine if your car qualifies for classic auto insurance. And Safeco RV insurance reviews could help you find a discount on car insurance by bundling your coverage with another policy.

Safeco Insurance Rates Breakdown

If you want to compare Safeco Insurance, auto quotes are the place to start. The company does offer individual and personalized auto insurance quotes on its website.

Why is Safeco insurance so cheap? The table below shows average auto insurance rates with the leading insurance companies. You can use this table to get an idea of where Safeco rates will fall.

Depending on your age, gender, marital status, ZIP code, driving history, credit score, and many other factors, you may find that your rates with Safeco are lower than the average in your area.

Safeco Auto Insurance Rates by Age

One of the biggest influences on auto insurance rates is your age. Review the table below and you will see that, as you age and gain driving experience, your rates will start going down.

Below we’ll look at the rates for a few specific age groups.

Safeco Rates for Teen, Adult, and Senior Drivers

Overall, teen drivers pay more for car insurance coverage. This table includes rates for teen drivers based on gender from the top insurance companies.

We’ve included the rates for 25-year-old drivers above so you can see how rates begin to fall at that age.

Female drivers pay 35% more than the national average for coverage, and males pay 27% more. Once people turn 25, they often notice a drop in car insurance costs. Below are the average annual full coverage insurance rates for adults.

Safeco car insurance rates for senior drivers will also vary but the table below shows the national average for senior drivers from the top car insurance companies.

If you’re looking for cheap auto insurance, Safeco will vary based on your driving history. We go into more detail below.

Safeco Auto Insurance Rates Based on Driving History

If you recently experienced a Safeco insurance premium increase, realize that your driving record is another factor that can impact the cost of your auto insurance. Here’s an overview of how various traffic violations can affect your auto insurance rates.

SafeCo Average Annual Full Coverage Auto Insurance Rates Based on Driving Record

Let’s take a look at some of these in more detail.

Safeco Car Insurance After a Speeding Ticket

Auto insurance rates after a speeding ticket can increase up to $500 more annually. You can compare the top insurance companies’ rates after a speeding ticket below.

State Farm auto insurance offers the best rates after a traffic ticket — after USAA that is only offered to military members and their families. Learn more in our State Farm auto insurance review.

Safeco Coverage After a Car Accident

If you have an accident claim on your driving record, you can expect higher-than-average rates for coverage. This table compares the top companies’ rates after a car accident.

USAA, State Farm, and GEICO offer the best rates after an accident.

Safeco Car Insurance After a DUI

If you have a DUI on your record, you’ll definitely pay more for auto insurance. You could even have a hard time finding a company willing to offer you coverage.  Below you can see how Safeco’s rates change if you have a DUI.

After USAA, Progressive and State Farm offer the best rates after a DUI>

Safeco Rates for Drivers with Poor Credit

With a low credit score, you should expect to pay more for car insurance. Here is how your credit score impacts your auto insurance rates with some of the top auto insurance companies. Unfortunately, we don’t have Safeco’s data for these rates.

Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score

Insurance Company	Good Credit	Fair Credit	Bad Credit
	$135	$165	$245
	$166	$197	$296
	$116	$136	$203
	$95	$115	$175
	$140	$161	$269
	$82	$100	$148
	$177	$226	$355
	$120	$133	$166
	$109	$138	$206
	$91	$118	$200
	$120	$155	$230
	$107	$128	$194
U.S. Average	$123	$148	$226

GEICO’s rates are around $1,100 less per year for drivers with good credit.

Minimum vs. Full Coverage with Safeco

While minimum auto insurance coverage can help people save money on their car insurance, Safeco minimum coverage options don’t always give you the protection you need. If you are looking for the security of full coverage auto insurance, you’ll need to be willing to pay more.

Here’s how Safeco insurance rates increase with full coverage vs. minimum coverage compared with the national average.

The best thing you can do to avoid paying too much for coverage is to shop online and compare multiple quotes to discover which companies offer the best price.

Safeco Insurance Discounts Available

Qualifying for discounts is an easy way to get a cheaper Safeco auto insurance quote. Safeco has a few options for auto insurance discounts on coverage, including the following:

• Multi-policy
• Multi-vehicle
• Safe driver
• Accident prevention course
• Safety features
• RightTrack program

If you believe you may qualify for Safeco discounts, you could call the Safeco insurance number in your area and speak with a representative to see how much you could save on coverage.

What is Safeco’s RightTrack program?

Safeco’s RightTrack program is a usage-based insurance program (UBI) that helps policyholders save money by allowing Safeco to track their driving habits.

RightTrack uses the Safeco app to monitor a policyholder’s driving, paying close attention to hard braking, quick accelerations, driving time of day, overall driving speed, and more. By enrolling in the RightTrack program, individuals can save up to 30% on their insurance coverage.

The Safeco rating regarding RightTrack is very high. The discount potential is bigger than with other companies’ UBI, and RightTrack won’t raise your rates for bad driving.

Safeco Auto Buying Program

Along with insurance discounts, Safeco provides policyholders with discounts on new and used cars when they shop through the Safeco Auto Buying Program. To make car buying easier, policyholders have access to a network of trusted dealerships and free market reports on a variety of makes and models.

On the company website, Safeco claims that drivers can save up to $2,000 through its program without ever visiting a dealership in person.

Safeco Auto Insurance Review: The Bottom Line

The Safeco car insurance company provides coverage options to individuals throughout the United States at $71/mo. Safeco has options for discounts and allows customers to add on different types of coverage to customize their policies and feel safe on the road.

Is Safeco auto insurance good? Safeco auto insurance reviews are mostly positive, and it performs above average in annual claims satisfaction surveys. However, Safeco claims complaints center around slow response times and poor communication between the company and policyholders.

Before committing to a Safeco auto insurance policy, find and compare car insurance quotes from multiple companies in your area to see which offers the coverage you want at the best possible price. Safeco car insurance quotes will vary based on where you live, so enter your ZIP code below to see how much insurance costs near you.