Safeco Auto Insurance Review (2024)

What You Should Know About Safeco Insurance

If you’re searching for the best auto insurance company, look at Safeco auto insurance. Safeco Insurance Company offers liability, collision, and comprehensive coverage options and allows policyholders to purchase add-ons for even more protection on the road.

With Safeco car insurance, individuals can save money by taking advantage of discounts they may qualify for. In addition, Safeco allows people to customize their coverage to ensure they get what they want for themselves and their family members. Keep reading our Safeco Auto Insurance Review to learn more about the company.

According to J.D. Power’s 2021 study, Safeco landed in the middle of the pack regarding customer satisfaction.

Safeco has an A (Excellent) financial strength rating with A.M. Best and a stable outlook for future endeavors. In addition, the Safeco insurance rating with the Better Business Bureau (BBB) is an A+, but the company has many complaints on the BBB website.

Safeco reviews online suggest that customer service could improve the claims handling process and communication with policyholders. If you’re interested in a Safeco car insurance policy, read some of the company reviews online to see what customers are saying.

How do I make a Safeco insurance claim?

You can file a claim with Safeco by using the company’s app or calling Safeco. When you file a car insurance claim, you will need your policy number, the incident date and description, the resulting damage, and your personal information.

Once you file a claim, you can check the status of your claim on the Safeco app.

Can I cancel my Safeco policy?

You will have to call and speak with a company agent or representative to cancel a Safeco policy. It would help if you asked for verbal or written confirmation that your policy is canceled to ensure you will not continue to be charged for coverage.

Safeco Insurance Coverage Options

Safeco offers many of the coverage options you’re familiar with, including the following:

• Medical payments
• Personal injury protection
• Property damage liability
• Collision insurance
• Comprehensive insurance

In most states, the minimum requires people to purchase coverages like property damage and medical payments. But if you’re concerned with having added protection for yourself and your vehicle, you may want to consider purchasing a full coverage policy that includes both collision and comprehensive insurance.

Here are extra features Safeco uses to incentivize people to purchase a policy with the company:

• Accident forgiveness
• Claims-free cash back
• Diminishing deductible

If you’re looking for a way to save money on your premiums and save even more in the future, these Safeco options may be an excellent fit for you.

Does Safeco have coverage add-ons?

There are additional ways Safeco policyholders can stay protected. These are some of the company’s most popular add-on options:

• Rideshare coverage
• Rental car reimbursement
• Personal property coverage
• GAP coverage
• New vehicle replacement
• Electronic key and lock replacement
• CD and DVD replacement
• Custom equipment coverage
• Pet coverage

While the coverages listed above will cause your rates to increase, the peace of mind you get with added protection may be worth the higher cost.

What other types of insurance does Safeco offer?

Safeco offers the following types of insurance in addition to auto insurance:

• Motorcycle
• Boat
• Classic car
• Motor home
• Off-road vehicle
• Snowmobile
• Golf cart
• Property
• Homeowners
• Renters
• Condo
• Landlord
• Umbrella
• Pet medical
• Identity theft

You could get a discount on car insurance with Safeco by bundling your coverage with another insurance policy.

Safeco Insurance Rates Breakdown

Safeco car insurance rates aren’t readily accessible online, but the company does offer individual and personalized auto insurance quotes on its website.

The table below shows average auto insurance rates with the leading insurance companies. You can use this table to get an idea of where Safeco rates will fall.

Depending on your age, gender, marital status, ZIP code, driving history, credit score, and many other factors, you may find that your rates with Safeco are lower than the average in your area.

Safeco Auto Insurance Rates by Age

One of the biggest influences on auto insurance rates is your age. Review the table below and you will see that, as you age and gain driving experience, your rates will start going down.

Below we'll look at the rates for a few specific age groups.

Safeco Rates for Teen, Adult, and Senior Drivers

Overall, teen drivers pay more for car insurance coverage. This table includes rates for teen drivers based on gender from the top insurance companies.

We've included the rates for 25-year-old drivers above so you can see how rates begin to fall at that age.

Female drivers pay 35% more than the national average for coverage, and males pay 27% more. Once people turn 25, they often notice a drop in car insurance costs. Below are the average annual full coverage insurance rates for adults.

Safeco car insurance rates for senior drivers will also vary but the table below shows the national average for senior drivers from the top car insurance companies.

Rates with Safeco will also vary based on your driving history. We go into more detail below.

Safeco Auto Insurance Rates Based on Driving History

Your driving record is another factor that can impact the cost of your auto insurance. Here's an overview of how various traffic violations can affect your auto insurance rates.

Let's take a look at some of these in more detail.

Safeco Car Insurance After a Speeding Ticket

Auto insurance rates after a speeding ticket can increase up to $500 more annually. You can compare the top insurance companies’ rates after a speeding ticket below.

State Farm auto insurance offers the best rates after a traffic ticket — after USAA that is only offered to military members and their families. Learn more in our State Farm auto insurance review.

Safeco Coverage After a Car Accident

If you have an accident claim on your driving record, you can expect higher-than-average rates for coverage. This table compares the top companies’ rates after a car accident.

USAA, State Farm, and GEICO offer the best rates after an accident.

Safeco Car Insurance After a DUI

If you have a DUI on your record, you’ll definitely pay more for auto insurance. You could even have a hard time finding a company willing to offer you coverage.  Below you can see how Safeco's rates change if you have a DUI.

After USAA, Progressive and State Farm offer the best rates after a DUI>

Safeco Rates for Drivers with Poor Credit

With a low credit score, you should expect to pay more for car insurance. Here is how your credit score impacts your auto insurance rates with some of the top auto insurance companies. Unfortunately, we don't have Safeco's data for these rates.

GEICO’s rates are around $1,100 less per year for drivers with good credit.

Minimum vs. Full Coverage with Safeco

While minimum auto insurance coverage can help people save money on their car insurance, minimum coverage options don’t always give you the protection you need. If you are looking for the security of full coverage auto insurance, you'll need to be willing to pay more. Here's how Safeco's average annual minimum and full coverage rates compare with the national average.

The best thing you can do to avoid paying too much for coverage is to shop online and compare multiple quotes to discover which companies offer the best price.

Safeco Insurance Discounts Available

Safeco has a few options for auto insurance discounts on coverage, including the following:

• Multi-policy
• Multi-vehicle
• Safe driver
• Accident prevention course
• Safety features
• RightTrack program

If you believe you may qualify for a discount with Safeco, you could call the Safeco insurance number in your area and speak with a representative to see how much you could save on coverage.

What is Safeco’s RightTrack program?

Safeco’s RightTrack program is a usage-based insurance program that helps policyholders save money by allowing Safeco to track their driving habits.

RightTrack uses the Safeco app to monitor a policyholder’s driving, paying close attention to hard braking, quick accelerations, driving time of day, overall driving speed, and more. By enrolling in the RightTrack program, individuals can save up to 25% on their insurance coverage.