Best Car Insurance Companies

Safeco Auto Insurance Reviews And Ratings

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safeco
Safeco Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 76%
Who Plan to Renew 95%
AM Best Financial Strength Ratings A

About Safeco Car Insurance Company

Claims: (206) 545-5000
Corporate HeadquartersSafeco Insurance Company of America
1001 4th Avenue
Seattle, WA 98154

Best Auto Insurance Companies 2021: How Safeco Compares

Safeco earned a top ten spot in our annual review of Best Auto Insurance Companies. They got a four out of five-star overall InsureScore. They received three and a half to four-star InsureScore’s in all categories from claims, to price, to customer service and website & app. 

When we asked Safeco customers if they would recommend the company to others, 76% said yes and 95% said they planned to renew their plan.

In the 2020 J.D. Power Auto Insurance study, Safeco ranked below average in both auto insurance claims satisfaction and auto insurance shopping.

Gauging an insurance company

Before buying with a company it is wise to check on a company’s financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Safeco’s financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

A Liberty Mutual company

The General Insurance Company of America was founded in Seattle, Washington, 1923. In the 1960s, General Insurance Company of America became Selective Auto and Fire Insurance Company of America — better known as Safeco. The company continued to grow by  expanding east and doubling its agent force and increasing business writing. However, the company realized it was losing its way and after a rocky period in the late 1990s, Safeco returned to a simpler and more beneficial strategy of leaner underwriting and competitive pricing.

In 2008, Safeco became a part of Liberty Mutual Insurance. It still retains its name, Safeco, but is part of the Liberty Mutual Insurance family. With the financial strength of its parent company, the insurer focuses solely on personal insurance.


Consider Safeco if you prefer an independent agent

For those who enjoy the objectivity of an independent insurance agent, Safeco may be high on your list when your agent presents your options. Safeco believes in selling straightforward personal insurance through local, independent agents. If you like talking through your options face-to-face with a qualified agent person instead of a friend, a phone menu or a number of insurance websites, then go ahead and make an appointment. You won’t find an endless variety of financial products here, so Safeco is best for your basic personal insurance needs: auto, home and maybe even those fun weekend toys.

Safeco Car Insurance Coverages

  • Auto insurance
  • Boat/Watercraft insurance
  • Classic Car insurance
  • Motorcycle insurance
  • RV insurance

Safeco Car Insurance Additional Policies

  • Home insurance
  • Condo insurance
  • Umbrella insurance
  • Renters insurance
  • Landlord protection

How likely customers would recommend this company?

35% I would definitely recommend this company
41% I would probably recommend this company
19% Neutral
3% I would probably not recommend this company
2% I would not recommend this company

Reasons for Buying

Customers of Safeco originally decided to purchase from the company for these reasons:
  • 33% Offered best price
  • 28% Recommended by friend or family member
  • 21% I had other insurance with this company
  • 11% Reputation
  • 4% Saw online ad
  • 2% Saw TV commercial
  • 1% Financial strength rating
  • 0% The company website and mobile apps are easy to use and helpful
  • 0% Was the company my parents had

Would you renew?

  • 95% Yes
  • 5% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 25%
  • Fairly satisfied / Fulfills my needs OK 37%
  • Average website and apps 20%
  • Very unsatisfied / digital offering is severely lacking 11%
  • Unsatisfied / website and/or apps are not fulfilling my needs 3%

How do you prefer to deal with insurer and policy?

  • In person 46%
  • Phone 27%
  • Email 1%
  • Interactive website 11%
  • Mobile App 15%

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Safeco’s customer complaint ratio for Private Passenger Auto insurance is 1.34
Coverage Options
Usage-based/Telematics Icon
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Accident forgiveness Icon
Accident forgiveness
Your rates won"t increase after your first accident.
Vanishing deductible Icon
Vanishing deductible
Your deductible will be reduced as long as you have no accidents or moving violations.
New car replacement Icon
New car replacement
If you total your car the insurer will pay for a new car.
Pet injury coverage Icon
Pet injury coverage
Pays vet bills for dogs or cats injured in a crash (up to specificed limits).
Re-key coverage Icon
Re-key coverage
Pays for lock replacement if your keys are stolen.
Offers 12-month policies Icon
Offers 12-month policies
Your policy term can be one year before the next renewal.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states is Safeco available?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

107 Reviews. 4 Stars out of 5
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