Safeco Auto Insurance Review for 2025 (See Rates & Discounts Here)

The Safeco auto insurance review highlights Safeco Insurance Company of America’s competitive rates and accident forgiveness benefits.With policies starting at $24 per month, Safeco Corporation offers diminishing deductibles for safe drivers and accident-free discounts, positioning it among the best auto insurance companies for personalized coverage. Safeco Insurance Agency connects customers with local agents, while Safeco Corporation provides flexible policy options to meet diverse needs.

Safeco Auto Insurance Rating

Rating Criteria
Overall Score	4.3
Business Reviews	4.0
Claim Processing	2.5
Company Reputation	4.0
Coverage Availability	5.0
Coverage Value	4.0
Customer Satisfaction	3.9
Digital Experience	4.5
Discounts Available	5.0
Insurance Cost	4.3
Plan Personalization	4.5
Policy Options	5.0
Savings Potential	4.6

Some policyholders have complaints about the slow processing of claims. Safe drivers and individuals seeking personalized service will find it ideal; however, it is advisable to compare multiple quotes.

Find competitive rates from Safeco Insurance Company of America and other top providers by entering your ZIP code above.

Safeco Auto Insurance: Coverage Options, Rates, and Discounts Explained

If you’re looking for the best auto insurance company, no one is better than the Safeco Insurance Company of America. The company offers two coverage options: liability insurance, collision, and comprehensive. Policyholders are also provided a couple of add-ons for maximum protection based on their needs.

Safeco Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Safeco offers car insurance to all drivers in the country. The company provides flexible policy options and multiple discounts. Monthly rates for minimum coverage begin at $24 for a 60-year-old female, while complete coverage for an 18-year-old male costs $292 per month.

The best Safeco auto insurance discounts help drivers save on customized policies tailored to their individual and family needs. Before choosing a provider, comparing quotes from multiple insurers to find Safeco’s most competitive rate is essential.

Safeco Auto Insurance Rates Compared to Top Competitors

Safeco Insurance Company of America offers some of the most affordable auto insurance rates, particularly for middle-aged and senior drivers.

Safeco Auto Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 65 Female	Age: 65 Male
	$640	$740	$240	$252	$231	$198	$226	$223
	$853	$897	$228	$239	$199	$114	$194	$194
	$313	$362	$128	$124	$114	$248	$112	$112
	$745	$893	$249	$285	$244	$164	$239	$243
	$432	$552	$177	$195	$161	$150	$158	$160
	$843	$944	$187	$194	$159	$123	$156	$147
	$362	$417	$109	$113	$103	$101	$101	$99
	$327	$405	$133	$147	$123	$141	$120	$120
	$757	$1,056	$142	$154	$139	$84	$136	$138
	$257	$289	$106	$113	$84	$150	$82	$82

According to the data, a 30-year-old female pays about $109 monthly with Safeco, significantly lower than Geico ($128) and State Farm ($133). For a 45-year-old male, Safeco’s rate is $101, making it one of the cheapest options, while Nationwide ($150) and Liberty Mutual ($164) are more expensive.

Young male drivers (18-year-olds) face higher premiums, with Safeco charging $417 per month—lower than Liberty Mutual ($893) but higher than Geico ($362). Regarding auto insurance rates by state, Safeco remains a competitive option for budget-conscious drivers, especially those with clean driving records.

What You Should Know About Safeco Insurance

Is Safeco insurance good? Yes, Safeco’s 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 surveys, Safeco’s customer service and claims handling rank in the top ten for collision insurance claims. However, complaints suggest issues with communication. Can you negotiate car insurance rates? Safeco offers discounts, but rates depend on risk factors.

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 Safeco insurance company 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 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 its status on the Safeco app or by using the Safeco claims number and extension your adjuster gave you.

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 requirement is for 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.

Safeco accident forgiveness is only available to policyholders participating 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 above will increase your rates, the peace of mind 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’s classic car insurance reviews will help determine if your car qualifies for classic auto insurance. 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 understand where Safeco rates will fall.

Your rates with Safeco may be lower than the average in your area, depending on factors like age, gender, ZIP code, and driving history. Learning how to lower your auto insurance rates can help you take advantage of discounts and reduce costs.

Safeco Auto Insurance Rates by Age

One of the most significant factors affecting auto insurance rates is age. Reviewing the table on auto insurance rates by age shows how premiums decrease with experience.

Below, we’ll look at the rates for 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 to see how rates begin to fall at that age.

Learning how to help teen drivers get their first license can be beneficial, as young female drivers pay 35% more than the national average for coverage, while males pay 27% more. As drivers reach 25, they often see a decrease 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 explain this in 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 your auto insurance cost. Here’s an overview of how traffic violations affect your auto insurance rates.

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

Let’s take a closer look at how these factors affect your auto insurance premium.

Safeco Car Insurance After a Speeding Ticket

Auto insurance rates after speeding tickets can increase to $500 more annually. Below, you can compare the top insurance companies’ rates after a speeding ticket.

State Farm auto insurance offers the best rates after a traffic ticket—after USAA, which 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. Still, if you’re unsure whose insurance to call after an accident, you should typically contact your provider first to start the claims process.

Safeco Car Insurance After a DUI

You’ll pay more for auto insurance if you have a DUI. You could even have difficulty 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 some of the best options for cheap auto insurance after an accident, including DUI-related incidents.

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 auto insurance rates with some top companies. Unfortunately, we don’t have Safeco’s data for these rates.

Full Coverage Insurance Monthly Rates by Credit Score

Insurance Company	Good Credit	Fair Credit	Bad Credit
	$110	$130	$150
	$105	$125	$145
	$115	$135	$155
	$95	$115	$135
	$100	$120	$140
	$102	$122	$142
	$98	$118	$138
	$90	$110	$130
	$112	$132	$152
	$85	$105	$125

GEICO’s rates are about $1,100 lower per year for drivers with good credit, making it one of the best auto insurance options for good drivers.

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 Auto Insurance Business Company Ratings

Safeco Corporation receives excellent scores for financial strength and customer service. J.D. Power rates Safeco 687/1,000, which represents above-average customer satisfaction.

Agency
	Score: 687 / 1,000 Above Avg. Satisfaction
	Score: A- Good Business Practices
	Score: 74 / 100 Good Customer Feedback
	Score: 0.90 Fewer Complaints Than Avg.
	Score: A Excellent Financial Strength

The Better Business Bureau assigns an A- rating, a sign of good business practices. Consumer Reports grades Safeco 74/100, with positive customer comments, and the NAIC complaint index is at 0.90, which means fewer complaints compared to the industry standard. A.M. Best assigned an A rating, proving that Safeco has excellent financial strength.

Even with competitive pricing, some customers say claims are processed more slowly. Still, Safeco’s reputation for reliability and financial strength makes it a solid choice for drivers seeking affordable and stable full-coverage auto insurance.

Pros and Cons of Safeco Auto Insurance

Pros:

• Competitive Rates for Experienced Drivers: Safeco provides discounted premiums for older and middle-aged drivers.
• Strong Financial Stability: Holds an “A” rating from A.M. Best, ensuring policyholders’ claims are well-supported.
• Variety of Discount Options: Provides discounts for multiple policies, safe drivers, and accident-free records to help cut costs.

Cons:

• Higher Premiums for Young Drivers: Rates are more expensive for drivers under 25. Unlock additional information in our “Reasons Auto Insurance Costs More for Young Drivers.“
• Mixed Customer Satisfaction Ratings: J.D. Power ranks Safeco below average in terms of overall customer experience.

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, 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.

Safeco’s RightTrack program has a high rating. It offers significant discounts and is a strong option for teens looking for cheap auto insurance after an accident, as it won’t raise rates for risky driving behavior.

Safeco Auto Buying Program

Along with insurance discounts, Safeco provides policyholders 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 various makes and models.

According to Safeco, drivers can save up to $2,000 through its program without visiting a dealership in person. Before enrolling, it’s essential to understand how to check your auto insurance claims history to ensure eligibility for potential savings.

Final Verdict on Safeco Auto Insurance

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 generally positive, and the company ranks among the best auto insurance companies for paying claims, performing above average in annual claims satisfaction surveys. However, some complaints mention slow response times and poor communication with 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.