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.

Pros:
  • Many available discounts
  • Many coverage options
Cons:
  • 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.

Map
Table
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Available
Not available
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:

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 BestJ.D. Power claims rating*NAIC complaint ratioSurvey score for customer serviceSurvey score for claims service
A687/1,001.1286%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.