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 the sixth-largest insurance provider in the country.
Seattle-based Safeco car insurance offers quality vehicle and home insurance that can be bundled for the ultimate in savings. The carrier’s line is available through independent agents nationwide and features a new and improved mobile app that can help you with basic insurance needs after hours. 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 claims the carrier is more popular with millennials than any other group.
Other Safeco auto insurance reviews include a score from customers of 870 out of 1,000 from J.D. Power’s auto claims satisfaction study and an average score of 826 out of 1,000 across all regions. Respondents rated Safeco based on its claims service, as well as its repair and reimbursement process. 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.
The Safeco Package not only offers 15% off premiums 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 | 826 | A | 4 |
| Liberty Mutual | 4.4 | 827 | A+ | 17 |
| Root | 4.6 | N/A | N/A | 3 |
| SafeAuto | 4.3 | N/A | N/A | 3 |
Information accurate as of June 2021
*J.D. Power’s 2021 Auto Insurance Satisfaction Study. Based on a 1,000-point scale.
Safeco vs. Liberty Mutual
Safeco is a subsidiary of the larger parent company, Liberty Mutual. They both share the same financial rating of A for stability. However, you will find far more discounts with Liberty Mutual, as it advertises 17 discounts on its site compared to Safeco’s four. Additionally, both carriers share the RightTrack program, which tracks driving habits to discount you substantially based on safe driving skills.
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. On the other hand, Safeco offers a drive-tracking app, but not to set premiums, only to determine possible discounts available for safe driving. Furthermore, Safeco and Root have a similar amount of discounts for drivers advertised, around three or four.
Safeco vs. SafeAuto
Both insurance companies have names that are similar enough to cause some confusion. SafeAuto offers car insurance for high-risk drivers requiring SR-22s or affordable rates for coverage. Safeco car insurance, a subsidiary of Liberty Mutual, offers insurance to safer drivers who can take advantage of discounts such as diminishing deductibles and claims-free cash back.
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 2021 Auto Insurance Satisfaction 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.
About the Authors
Cynthia Paez Bowman is a contributing writer for Reviews.com. Over the last two years, she has covered insurance, home security and more. She has been featured in MSN, Bankrate, Coverage.com, The Simple Dollar and GOBankingRates. She has dual bachelors degrees in International Business and Journalism from American University in Washington, D.C. “Is It Getting Harder to Get Home Insurance in High-Risk Areas?” is Cynthia’s favorite story on Reviews.com.
