Reviews Report
- Reviews.com scores Safeco auto insurance with a 4.4 out of 5 of all the best carriers, based on the carrier’s financial stability, coverage options, and customer reviews.
- Safeco provides unique add-ons such as first aid reimbursement, electronic key replacement, and custom vehicle equipment insurance.
- Backed by Liberty Mutual Insurance, Safeco is part of the top-10 U.S. auto insurers in the country.
Seattle-based Safeco car insurance offers vehicle and home insurance that can be bundled for potential savings, which vary by state and profile. The carrier’s line is available through independent agents nationwide and features a mobile app that can help you with basic insurance needs after hours. As part of Liberty Mutual Group, Safeco benefits from strong financial strength assessments — AM Best A (Excellent), S&P A, Moody’s A2, and Fitch A- — all with Stable outlooks (see Safeco insurance ratings, S&P, Fitch). We looked at Safeco auto insurance reviews, ratings from independent studies, the company’s insurance options, and discounts available for our Safeco auto insurance review. If you are in an area covered by it, consider a Safeco auto insurance quote to see how much you’ll pay for the following features.
Safeco Car Insurance Overview
Safeco’s optional coverages such as rideshare, pet coverage, and custom vehicle equipment insurance make it popular among younger drivers. YouGov publishes rolling brand popularity by age; recent snapshots show Safeco with moderate popularity among Millennials rather than category-leading levels.
Other Safeco auto insurance reviews note that industry-wide customer satisfaction has faced pressure from premium increases and elevated repair costs. In J.D. Power’s latest U.S. Auto Claims Satisfaction Study, results vary by carrier and region. The easiest way to file a claim is through the website or mobile app which lets customers contact an agent, find a repair shop nearby, request a rental vehicle, and even take photos of vehicle damage in just a few taps using the guided process.
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Safeco Car Insurance Highlights
Safeco’s Car Insurance Bundling Discounts for Cheaper Insurance
Safeco’s car insurance and home insurance bundling is a great way to save on insurance. Not only is having home, condo, or renters insurance necessary to protect personal property and/or belongings, but most insurance companies offer a discount when customers buy car insurance and home insurance under the same account. In today’s market, actual bundle savings are highly variable by state and risk profile — it’s wise to price both bundled and unbundled options at renewal (Forbes Advisor; Bankrate).
The Safeco Package not only offers savings when customers bundle home and auto insurance, but if the home or vehicle are damaged in the same incident, like a weather disaster, customers will only have to pay one deductible to cover both losses.
Safeco Car Insurance vs. The Competition
| Provider | Reviews.com Score | J.D. Power Customer Satisfaction* | AM Best | Discounts |
| Safeco | 4.4 | Varies by region | A | 10+ |
| Liberty Mutual | 4.4 | Varies by region | A | 10+ |
| Root | 4.6 | N/A | N/A | 3 |
| SafeAuto | 4.3 | N/A | N/A | 3 |
Information current as of 2025
*J.D. Power’s 2024 U.S. Auto Insurance Study. Based on a 1,000-point scale.
Safeco vs. Liberty Mutual
Safeco is a subsidiary of the larger parent company, Liberty Mutual. Both are backed by Liberty Mutual Group’s strong financial strength assessments — AM Best A (Excellent), S&P A, Moody’s A2, and Fitch A- — each with Stable outlooks (Safeco ratings; S&P; Fitch). Liberty Mutual typically advertises more discounts, but Safeco now lists a broad set beyond just four, including usage-based savings via RightTrack. Additionally, Safeco is sold through independent agents, while Liberty Mutual primarily sells direct to consumers.
Safeco vs. Root
Root uses a telematics-based mobile app that tracks drivers’ habits and sets car insurance premiums based on the data, and it’s a relatively new company. Safeco offers telematics via RightTrack to determine potential discounts rather than to set base premiums. Root has reported improved underwriting results and renewed growth as of late 2024 alongside expanded distribution beyond purely app-direct channels (Root investor update).
Safeco vs. SafeAuto
Both insurance companies have names that are similar enough to cause some confusion. SafeAuto operates within National General, an Allstate company, and focuses on nonstandard/acceptance auto (including SR-22 filings) (SafeAuto). Safeco car insurance, a subsidiary of Liberty Mutual, targets standard and preferred drivers who can take advantage of discounts such as diminishing deductibles, claims-free cash back, and telematics-based savings.
Safeco Car Insurance FAQ
Methodology
We evaluated Safeco car insurance based on discounts, coverage, online resources, financial strength, and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:
- Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2024 U.S. Auto Insurance Study to compare the average rating of insurers across all regions.
- Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection.
- Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.
