Safeco auto insurance review 2026: Compare rates, discounts and satisfaction ratings. Safeco wasn’t ranked in our Best Car Insurance Companies for 2026 due to a lack of rate data.
Anna Baluch is a freelance financial writer from Cleveland, OH. She writes about a variety of topics, including debt management, credit cards, mortgages, personal loans, and student loans. Her work can be seen on Forbes, Newsweek, Realtor.com, Rocket Mortgage, Experian, U.S. Chamber of Commerce, and a number of other reputable publications. Anna holds an MBA in marketing from Roosevelt University.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
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Safeco delivers strong ease-of-service scores and a solid lineup of coverage options, making it a good fit for drivers who prioritize simple policy management and a wide range of insurance choices.
Backed by Liberty Mutual, Safeco benefits from the financial strength and stability of a major national insurer. However, Safeco lags behind competitors in several key areas, including customer satisfaction, recommendations and discount availability. Its claims experience is average and its discount score is the lowest in this year’s survey, which may make it less appealing for drivers who want aggressive savings or top-tier claims service.
Safeco is a practical option for drivers who want straightforward service and customizable policy features, but may not be the best match for shoppers seeking extensive discount opportunities.
Keep reading for an overview of the ratings for Safeco in the 2026 Insure.com Best Car Insurance Companies survey.
Safeco wasn’t ranked in our list of 2026 Best Car Insurance Companies because it doesn’t provide its auto insurance rates to the public.
Safeco is ideal for:
Safeco is not ideal for:
Our agents make it hassle-free to get the right quote.
Seventy-seven percent of Safeco customers said they were happy with the company, which was a bit lower than other large insurers like Allstate, GEICO and Progressive.
Safeco scored highly when customers were asked about the ease of its service, with 89% of policyholders reporting satisfaction. This survey category assesses the ease with which customers can access policy documents and modify their coverage.
When we asked policyholders to rate insurers based on their policy offerings, 78% of Safeco’s customers reported satisfaction with the company. Most companies’ scores were in the 80th percentile for policy offerings.
Only 77% of survey respondents would recommend Safeco to friends and family, placing it among the bottom insurers for customer loyalty.
Despite this, 81% percent of customers report trusting Safeco, mainly due to its longstanding history and affiliation with Liberty Mutual.
Additionally, a majority of Safeco customers (91%) surveyed reported plans to renew their policy.
When it comes to claims handling, Safeco scored 77%, which was only five points lower than the top national carrier, Travelers, at 82%.
For digital experience, which evaluates how policyholders feel about a company’s website and app, Safeco received a score of 70%.
Discounts are a weak category for Safeco as the insurer earned the lowest score of 47% in this year’s survey. Bundling auto with home insurance ranked higher at 65%.
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Note: Availability is subject to change.
Safeco has been owned by Liberty Mutual since 2008, and the brand is expected to sunset in 2026. Policies will be rebranded to the Liberty Mutual name.
Safeco works through a broad network of more than 10,000 independent agents, offering customized personal insurance policies backed by Liberty Mutual’s financial strength and claims resources. Safeco maintains stable financial ratings and continues to focus on agent-driven service and flexible coverage options for auto, home and specialty insurance products.
Contact Safeco: Call 1-800-332-3226 or visit www.safeco.com.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.