Safeco Auto Insurance Review for 2025 (Ratings, Prices, & Options)
Safeco Insurance is a Liberty Mutual company offering coverage for cars, motorcycles, RVs, and more through local agents, starting at $35 per month. Our Safeco auto insurance review finds it to be an excellent choice for safe drivers with reward programs, such as claims-free cash back and accident forgiveness.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jul 9, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jul 9, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Safeco Insurance
Monthly Rates
$35A.M. Best:
AComplaint Level:
LowPros
- Backed by Liberty Mutual
- Personalized policy support
- Wide vehicle coverage options
- RightTrack rewards for safe drivers
Cons
- Mixed claims reviews
- Higher rates with bad credit
- Limited digital tools
Our Safeco auto insurance review finds that rates start at $35 per month, offering affordable coverage for cars, motorcycles, RVs, boats, and even homes through independent agents.
Safeco Auto Insurance Rating| Rating Criteria | |
|---|---|
| Overall Score | 4.2 |
| Business Reviews | 4.0 |
| Claim Processing | 2.5 |
| Company Reputation | 4.0 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.0 |
| Customer Satisfaction | 2.0 |
| Digital Experience | 4.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.4 |
| Plan Personalization | 4.5 |
| Policy Options | 5.0 |
| Savings Potential | 4.6 |
Safeco auto insurance receives a 4.2/5 rating for its value and competitive rates. Drivers can add extras, such as roadside assistance and rental car coverage. Safeco also offers RightTrack usage-based auto insurance, which rewards safe drivers with lower rates.
As a Liberty Mutual company, Safeco provides strong financial backing and claims support, though your rates will depend on your driving record, location, and coverage selections, with discounts for bundling and staying claims-free.
- Safeco drivers with a clean record pay about $38 per month for minimum coverage
- RightTrack users save up to $513 annually by tracking safe driving habits
- Safeco is a top pick for customizable auto, RV, motorcycle, and boat coverage
Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code into our comparison tool today.
Safeco Auto Insurance Rates
If you’re comparing rates by age and gender, Safeco insurance clearly lays it out. Teens face the highest prices, but those rates drop sharply as you age.
Safeco Auto Insurance Monthly Rates| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $190 | $490 |
| 16-Year-Old Male | $208 | $513 |
| 18-Year-Old Female | $155 | $362 |
| 18-Year-Old Male | $178 | $417 |
| 25-Year-Old Female | $44 | $118 |
| 25-Year-Old Male | $46 | $122 |
| 30-Year-Old Female | $41 | $109 |
| 30-Year-Old Male | $42 | $113 |
| 45-Year-Old Female | $39 | $103 |
| 45-Year-Old Male | $38 | $101 |
| 60-Year-Old Female | $35 | $90 |
| 60-Year-Old Male | $36 | $91 |
| 65-Year-Old Female | $38 | $101 |
| 65-Year-Old Male | $37 | $99 |
Drivers in their 30s and 40s see minimum rates in the low $40s, and by age 60, some pay as little as $35 a month. It’s one of the best auto insurance companies for good drivers. A clean record keeps your full coverage rate at $101 per month.
Monthly full coverage rates increase to $127 with one ticket, $157 with one accident, and $174 with a DUI. Even with a bad record, Safeco maintains a steady rate progression without sharp spikes, which may appeal to drivers looking for cost predictability.
Safeco Auto Insurance Rates Compared to Top Companies
Safeco car insurance costs stand out as one of the most affordable options among major providers. With minimum coverage starting at $38 a month and full coverage averaging $101 monthly, it’s well below what you’d pay with companies like Allstate, where monthly rates can hit $87 for minimum and $228 for full coverage.
Safeco vs. Top Competitors: Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $38 | $101 |
 | $87 | $228 |
 | $62 | $166 |
 | $76 | $198 |
 | $43 | $114 |
 | $63 | $164 |
 | $50 | $150 |
 | $47 | $123 |
 | $53 | $141 |
 | $32 | $84 |
As a Liberty Mutual Company, Safeco combines strong financial backing with flexible policy options and competitive pricing for a wide range of driving histories. Learn more in our Liberty Mutual insurance review.
Safeco Auto Insurance Rates by Credit Score
When looking at auto insurance rates by credit score, Safeco Insurance offers competitive pricing, especially for drivers with good to fair credit.
Safeco vs. Top Competitors: Auto Insurance Monthly Rates by Credit Score| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
 | $104 | $130 | $150 |
| $105 | $121 | $152 |
| $90 | $110 | $140 |
| $95 | $115 | $145 |
| $40 | $55 | $70 |
 | $110 | $130 | $160 |
| $85 | $105 | $135 |
| $56 | $75 | $98 |
| $50 | $65 | $85 |
| $90 | $110 | $140 |
Safeco charges around $104 per month for drivers with good credit, which is on par with Allstate and slightly higher than American Family or State Farm. If your credit drops into the fair range, the rate jumps to $130, matching Liberty Mutual’s price and sitting a bit higher than some rivals.
To lower your Safeco premium, ask about RightTrack and Claims-Free Cash Back. Both programs reward safe driving without penalizing you for how you drive.
Melanie Musson Published Insurance Expert
For drivers with bad credit, Safeco comes in at $150 per month, which is still lower than Liberty Mutual’s $160 but higher than what you’d pay with State Farm or Geico. Compare more quotes in our State Farm versus Farmers, Geico, Progressive, and Allstate auto insurance review to see which is cheapest in your area.
Safeco Auto Insurance Rates by Driving Record
If you’re looking at how driving history affects what you’ll pay for insurance, Safeco Insurance offers one of the most affordable rates at just $38 per month. Even with a ticket or accident, rates stay relatively low at $48 and $59 per month, respectively.
Safeco vs. Top Competitors: Auto Insurance Monthly Rates by Driving Record| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $38 | $48 | $59 | $67 |
| $87 | $103 | $124 | $152 |
| $62 | $73 | $94 | $104 |
| $76 | $95 | $109 | $105 |
| $43 | $56 | $71 | $117 |
| $96 | $116 | $129 | $178 |
| $63 | $75 | $88 | $129 |
| $56 | $74 | $98 | $75 |
| $47 | $53 | $57 | $65 |
| $53 | $72 | $76 | $112 |
If you have a DUI on your record, Safeco’s average is $67, which still beats out most major insurers like Liberty Mutual, Farmers, and Allstate auto.
Compared to others in the lineup, Safeco consistently delivers competitive pricing across all driving records, especially for drivers trying to keep premiums reasonable after a violation. That affordability, combined with consistently decent Safeco auto claims satisfaction scores, makes it a solid choice for cheap high-risk auto insurance.
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Safeco Auto Insurance Discounts
If you’re trying to trim your insurance bill, this Safeco auto insurance discount chart gives you a clear look at where you might save. As a Liberty Mutual Company, Safeco offers a range of discounts that reward everything from bundling policies and owning multiple vehicles — both save you up to 20%.
Safeco Auto Insurance Discounts| Discount | |
|---|---|
| Anti-Theft | 20% |
| Multi-Car | 20% |
| Bundling | 15% |
| Pay-in-Full | 15% |
| Safety Features | 15% |
| New Car | 12% |
| Defensive Driving | 10% |
| Early Signing | 10% |
| Good Student | 10% |
| Safe Driver | 10% |
| AutoPay | 5% |
| Paperless | 5% |
Based on what policyholders are saying about Safeco, these discounts often make a noticeable difference in long-term savings. Defensive driving, having a new car, or even being a good student can all shave 10% or more off your premium.
While smaller perks like paperless billing may only save you 5%, it all adds up, especially when combined. This breakdown shows Safeco isn’t just about competitive base rates—it also helps you stack meaningful savings through practical choices and gives drivers more ways to save more money on car insurance without sacrificing coverage.
Safeco Auto Insurance Reviews & Complaints
Looking at how Safeco Insurance measures up across top industry sources, the company holds steady with generally favorable marks. The Safeco insurance rating from J.D. Power is 687 out of 1,000, reflecting above-average customer satisfaction. Safeco insurance reviews on BBB give the company an A-, highlighting reliable business practices compared to other insurers. Read more about how to compare auto insurance companies.
Safeco Auto Insurance Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: 687 / 1,000 Above Avg. Satisfaction |
 | Score: A- Good Business Practices |
 | Score: 74/100 Good Customer Feedback |
 | Score: 0.90 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength |
Safeco insurance reviews on Consumer Reports score it 74 out of 100 for solid customer feedback. NAIC data reveals fewer complaints than most major insurers, with a 0.90 complaint index. A.M. Best gives Safeco an “A” for financial strength, meaning it’s considered stable and well-positioned to pay out claims.
Comment
byu/Mnemotronic from discussion
inInsurance
These scores reflect a company that’s dependable, financially sound, and responsive to policyholders. Feedback from Safeco insurance reviews on Reddit threads tends to echo the same mixed-but-steady sentiment. Some users praise Safeco for its competitive pricing and smooth claims process, especially when working through independent agents.
Safeco Auto Insurance Coverage Options
Safeco keeps its coverage options simple but effective, giving drivers the essential protections to help avoid paying huge out-of-pocket costs after an accident.
If you're not sure which coverages you need, start with liability and build a policy that fits your vehicle, budget, and how often you drive.
Jeff Root Licensed Insurance Agent
Whether you drive daily or just occasionally, these core coverages form the starting point of a policy built to protect your finances and your peace of mind. Here’s a breakdown of what each basic Safeco auto insurance coverage includes:
- Liability Coverage: Pays for injuries or property damage you cause to others in an accident. This coverage is required in most states and helps protect your savings if you’re at fault.
- Collision Coverage: Covers the repair or replacement of your car if you’re in a crash, no matter who’s at fault—whether you hit another car or a stationary object like a pole or fence.
- Comprehensive Coverage: Protects your vehicle from non-collision damage such as theft, vandalism, falling objects, fire, or severe weather.
- Uninsured/Underinsured Motorist Coverage: This helps cover your medical expenses and vehicle damage if you’re hit by a driver who has no insurance or too little insurance to pay for the damage they caused.
- Medical Payments Coverage: Pays medical bills for you and your passengers after an accident, regardless of who was at fault.
These essential coverages form the foundation of every Safeco auto insurance policy. Whether you drive daily or occasionally, they help protect you from the most common risks on the road. You can stick with basic protection or add extra coverage depending on your needs.
Safeco gives you the flexibility to build a policy that fits your car, lifestyle, and budget. If you’re trying to pay less for car insurance, a Safeco agent can help you adjust your coverages and find discounts that make a real difference. It’s about getting the protection you need without paying for coverage you don’t.
Other Insurance Products Offered by Safeco
Besides standard auto insurance, Safeco covers a surprisingly wide range of vehicles, which is great if you’ve got more than just a daily driver to insure. If you ride a motorcycle, own a boat, RV, ATV, golf cart, or even a classic car, Safeco likely has a policy that fits.
RV owners get coverage whether you use your rig part-time or plan to live in it during the summer. Boat owners get agreed value coverage (not depreciated), which means a totaled boat gets replaced at its insured value. For motorcycle riders, Safeco insures cruisers, sport bikes, dirt bikes, and even scooters, plus it includes OEM parts coverage if you carry collision or comprehensive auto insurance coverage.
Classic car enthusiasts can choose limited-use policies with mileage caps or regular-use options if they drive their cars more often. And if your golf cart or ATV is your weekend ride, Safeco can help you protect that, too.
All of this is available through their network of independent agents, so you can customize coverage to fit each vehicle. You can also manage coverage for these vehicles easily through the Safeco mobile app, which lets you view policies, make payments, and access ID cards on the go.
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Compare Safeco Auto Insurance Quotes Now
Safeco auto insurance offers a balance of affordability, flexible coverage, and reliable service. With backing from Liberty Mutual, Safeco brings financial strength and stability.
If you’ve just bought a new car, Safeco offers new car replacement coverage, which replaces your totaled vehicle with a new one of the same make and model, rather than just paying for its depreciated value.
Also, if you ride a motorcycle, own a classic car, drive an RV, or cruise around on a boat, Safeco has dedicated policies for each. For motorcycles, they cover everything from cruisers and touring bikes to scooters and mopeds, with OEM parts included with comprehensive or collision auto insurance coverage.
The company’s range of programs, like RightTrack and Claims-Free Cash Back, rewards safe habits while its discounts make savings accessible to more drivers. So, stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.
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Frequently Asked Questions
Is Safeco a good insurance company for auto coverage?
Safeco auto insurance is a solid option for budget-conscious drivers, with rates starting at $35 per month for minimum coverage, optional add-ons like accident forgiveness and roadside assistance, and the backing of Liberty Mutual for financial stability.
What is Safeco’s current insurance credit rating, and what does it mean for drivers?
Safeco holds an excellent “A” rating from A.M. Best, meaning it’s financially strong and dependable when it comes to paying claims, which gives peace of mind to policyholders.
Who is better, Progressive or Safeco?
Progressive offers more digital tools and direct online service, while Safeco may appeal more to drivers who prefer working through an agent and want personalized customer service. See more details in our Progressive auto insurance review.
What do Safeco insurance reviews say about customer complaints?
Most complaints in Safeco insurance reviews focus on claims delays and inconsistent communication, though the company’s NAIC complaint index is 0.90, better than the national average of 1.00 for auto insurers.
What kind of feedback does Safeco auto insurance receive on BBB?
Safeco customer service holds an A- rating with the Better Business Bureau. While many policyholders appreciate the affordability and bundling discounts, common complaints involve billing issues and follow-up during the claims process.
How do I cancel my Safeco auto insurance policy?
You can cancel Safeco insurance through your local agent or call customer support. Make sure you have your policy number ready, and note that cancellation may require written confirmation, especially if you’re switching to another insurer. Just keep in mind that it can be bad to cancel car insurance without having a new policy in place, as even a short lapse in coverage could lead to penalties or higher rates later.
What is the Safeco J.D. Power auto insurance rating?
Safeco scored 687 out of 1,000 in the J.D. Power Auto Insurance Study, which places it just below the top-performing insurers in overall customer satisfaction but above average in price satisfaction.
Is Safeco considered a high-risk auto insurance company?
Safeco generally does not specialize in high-risk drivers. If you have a DUI, multiple tickets, or a poor credit history, you may face higher premiums or find more flexible options with companies that cater to high-risk profiles.
Why is Safeco auto insurance often cheaper than other providers?
Safeco keeps rates low by targeting preferred-risk drivers, offering RightTrack usage-based discounts and claims-free rewards for safe driving. Depending on their driving history and credit score, many drivers can start with minimum coverage at just $35 per month. Find the cheapest provider near you by entering your ZIP code into our free quote comparison tool.
How do you file a claim with Safeco auto insurance, and what should you expect?
You can file a claim through the Safeco mobile app or website or by calling 24/7 claims support. You’ll need your policy number, accident details, and photos. Most claims are processed in under 10 days, though timelines can vary based on complexity. Learn how to file an auto insurance claim and win it each time.
Is Safeco good at paying out claims?
Safeco is backed by Liberty Mutual and maintains an A rating from A.M. Best, which speaks to its ability to pay claims. However, customer reviews are mixed — some report fast payouts, while others cite delays in adjuster communication.
How does Safeco compare to State Farm in terms of auto insurance coverage?
State Farm may offer a broader nationwide network and mobile support. Still, Safeco stands out with its customizable coverage, agent-driven service, and substantial discounts for safe drivers, bundling, and low-mileage usage. Get more details and quotes in our State Farm auto insurance review.
Why is Safeco insurance so cheap compared to other providers?
Safeco keeps rates low by focusing on safe drivers and offering rewards like RightTrack and Claims-Free Cash Back. Minimum coverage starts at $35 per month, beating competitors like Allstate and Farmers. Liberty Mutual’s financial backing also helps keep rates stable across different driver profiles.
Is Safeco or Geico better for car insurance?
Safeco is better if you prefer agent support and extras like diminishing deductibles. Geico may be better if you want strong digital tools and direct online services. Safeco’s full coverage averages $101 per month, while Geico’s is slightly higher at $114 for clean drivers.
Is Safeco considered a high-risk insurance company?
Safeco primarily targets safe drivers but still offers affordable rates for minor violations. After a DUI, Safeco’s full coverage averages $174 per month, lower than Liberty Mutual and Allstate auto insurance. High-risk drivers may still find cheaper rates with companies that specialize in non-standard policies.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
