Our take
Safeco is a subsidiary of Liberty Mutual, which means it’s backed by one of the biggest names in the industry.
Safeco has a National Association of Insurance Commissioners (NAIC) complaint ratio of 1.12, which is just above the expected average for a company of its size of 1.00. It also has an AM Best financial strength rating of A (Excellent).
Because Safeco doesn’t provide rate information to our data partner, Quadrant Information Services, we can’t compare premiums.
- Many available discounts
- Many coverage options
- Higher-than-average complaint volume
- Rates are not available for comparison
Where is Safeco car insurance available?
Safeco offers car insurance in all 50 states and Washington, D.C.
| State |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| Washington, D.C. |
| West Virginia |
| Wisconsin |
| Wyoming |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
What does Safeco auto insurance cover?
Safeco offers a full range of car insurance policies to meet most drivers' needs. This includes everything from full coverage car insurance to rideshare endorsements and coverage for your classic car.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings include:
- Rental car reimbursement
- Accident forgiveness
- New car replacement
- Roadside assistance
How does Safeco rank?
Safeco has an AM Best financial strength rating of A (Excellent) and an NAIC complaint ratio of 1.12; 1.00 is considered average based on the expected complaint volume for a company of its size.
We didn’t compare Safeco against other companies in our Best Car Insurance Companies ranking for 2025. However, we did gather information on third-party ratings and consumer opinions through our annual survey of policyholders, which is presented here as the percentage of customers who said they were satisfied.
| AM Best | J.D. Power claims rating* | NAIC complaint ratio | Survey score for customer service | Survey score for claims service |
|---|---|---|---|---|
| A | 687/1,00 | 1.12 | 86% | 74% |
*The study average was 697
How much is Safeco auto insurance?
Average auto insurance premiums from Safeco are unavailable through our data provider, Quadrant Information Services, as the company has not released its rate information. To compare rates from Safeco, you must contact the company to request a quote.
Safeco auto insurance discounts
Discounts can help you save on Safeco car insurance. Below, you’ll find some of the available car insurance discounts found at Safeco.
- RightTrack usage-based discount
- Accident-free
- Violation-free
- Loyalty
- Bundling home and auto
- New teen
Safeco also offers benefits such as small claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. forgiveness and a safe driver renewal guarantee.
Methodology:
Company survey scores are based on our 2025 Best Car Insurance Companies ranking. Full methodology here.
What do people ask about Safeco?
Is Safeco good at paying claims?
Safeco came in slightly below average for claims according to J.D. Power and scored a little lower than some competitors in our survey. However, that doesn’t mean you’ll have trouble getting a claim paid, as these take into account all aspects of the claims-handling process.
Is Safeco insurance expensive?
We are unable to compare Safeco on rates to other companies since it doesn’t provide premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. information to our data partner. Car insurance rates have gone up in recent years, so it’s likely Safeco rates have also increased.
What is the Safeco Loyalty Program?
The Safeco Loyalty Program provides customers who stay with the company with perks, like free accident forgiveness and new teen discounts. All customers are automatically enrolled.
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