Ratings

Auto best-auto-company-ratings
Overall Rating info icon info icon
Claims Processing
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
76%
% Who Plan to Renew
95%
AM Best Financial Strength Ratings info-icon info-icon November 08, 2020
A
HOW WE WEIGH OUR SCORE
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.

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

How likely to recommend?

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

Would you renew?

95% Yes
5% No

Ratings on Website & Apps

Fairly satisfied / Fulfills my needs OK
37%
Completely satisfied / Outstanding website & apps that give me what I need and more
25%
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?

Phone
46%
In person
27%
Email
15%
Interactive website
11%
Mobile App
1%
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Customer Complaint Ratio

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Private Passenger Auto
1.34
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

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 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.

Contact information

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

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 auto insurance available?

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

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