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Safeco Auto Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
Product
auto-icon Auto
info iconOverall
84.50 out of 100
Productinfo icon
HOW WE WEIGH OUR SCORE
Overall
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to Renewinfo-icon
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

AM Best Financial Strength Ratings

October 31, 2019

auto-icon Auto 84.50 out of 100 Claims Processing 87.89 Customer Service 88.00 Value for
Price
78.00
Website and Apps 86.27 % Who Would Recommend to a Friend 87% % Who Plan to Renew 92% A
info icon
AM Best Financial Strength RatingsOctober 31, 2019
A
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Reasons for Buying from Safeco

Customers of Safeco originally decided to purchase from the company for these reasons:
Offered best price37%
Recommended by friend or family member24%
Reputation13%
Financial Strength rating6%
I had other insurance with this company5%
Saw online ad5%
Was the company my parents had5%
The company website and mobile apps are easy to use and helpful4%
Saw TV commercial1%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 57%
I probably would recommend this company. 30%
Neutral 10%
I would not recommend this company. 2%
I probably would not recommend this company. 1%

Would you renew?

Yes 92%
No 8%

Website and Apps

How easy to use and how helpful they are
40%
Completely satisfied - Gives me what I want and more.
31%
Satisfied - Fulfills my needs okay.
17%
Never visited or used website or mobile app.
11%
Neutral - No good or bad feelings on this.
1%
Very unsatisfied - Their digital offerings are not good at all or nonexistent.
0%
Not Satisfied - Is not a good website or app.

How You Prefer to Deal with Insurers

34%
In person
33%
Phone
19%
Interactive website
10%
Mobile App
4%
Email
User Review
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About Safeco

Types of auto coverage

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

Additional policies offered

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

Best Auto Insurance Companies 2020: How Safeco Auto Insurance Stacks Up

Safeco ranked eighth this year with an overall score of 84.5, and less than a point behind the preceding three carriers. Safeco’s highest ranking in individual categories was third, for ease of use for its website and aps, with a score of 86.27. It came in at No. 7 for customer service (88) and in the middle of pack for price, at twelfth for price (78). For claims service, Safeco ranked fourteenth, but again, its score of 87.89 was within a point of the preceding eight companies in that category. The majority of those surveyed (92%) said they planned to renew their auto policy with Safeco, and 87% would recommend the company

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. For auto insurance, Safeco (NAIC# 24740) had a complaint ratio of 1.46 for 2018. 2019 complaint numbers will be available in 2020.

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.

Contact information

Safeco Insurance Company of America
1001 4th Avenue
Seattle, WA 98154  
Telephone:  (206) 545-5000

Coverage Options
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.
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.