Safeco Auto Insurance Reviews 2023

Call the Safeco insurance phone number at (877) 857-9519 to start your auto quote.

Licensed Safeco insurance agents are available 7 days a week during these hours (Eastern time):

Safeco offers the following auto insurance policy types:

Auto & Vehicle

• Auto - Safeco offers a number car insurance discounts to its policyholders including a package policy discount, safe driving discounts, and teen driving discounts.
• ATV & Off-Road Vehicles - Safeco insures all-terrain vehicles with four or six wheels, a wide variety of utility task vehicles (UTV), side-by-sides, dirt bikes, snowmobiles, golf carts, and other select off-road vehicles.
• Boat & Watercraft - Safeco's boat and watercraft insurance options include liability, med pay, physical damage, uninsured/underinsured motorist, agreed value coverage, personal effects coverage, fuel spill, new boat price protection, on-water/emergency assistance, and wreckage removal
• Classic Car - Safeco's classic car insurance coverage options include bodily injury, property damage, personal injury protection, medical payments, uninsured/underinsured motorist, comprehensive, collision, roadside assistance, emergency assistance, and personal property protection.
• Golf Cart & Low-Speed Vehicle - Safeco insures nearly all makes and models of golf carts. We also cover all-terrain vehicles (ATVs) with four or six wheels, a wide variety of utility task vehicles (UTV), side-by-sides, dirt bikes, snowmobiles, and other select off-road vehicles.
• Motorcycle - Safeco's motorcycle coverage options include bodily injury, guest passenger liability, property damage liability, uninsured/underinsured motorist, comprehensive, collision, medical payments, helmet, jacket, boots and glove replacement, custom parts and equipment, roadside assistance.
• RV/Trailer/Motorhome - Safeco's RV insurance options include bodily injury, property damage liability, personal injury protection, medical payments, uninsured/underinsured motorist, comprehensive, collision, roadside assistance, emergency assistance, loan/lease protection, custom equipment, electronic key replacement, and pet coverage.
• Snowmobile - Safeco insures all types of sleds as well as snow bikes. We also insure a wide variety of other off-road vehicles, including all-terrain vehicles (ATVs) utility task vehicles (UTVs), side-by-sides, dirt bike and more.

The average cost of Safeco's auto insurance policies ranges from $29 to over $99 per month, and is mainly based on your zip code, drivers ages, type of vehicles driven, Motor vehicle records and claims history.

Safeco offers auto insurance policies that will cover all your personal needs and your state's minimum financial responsibility requirements:

Safeco's car insurance policies also offer optional coverages:

• Audio-visual and custom equipment coverage
• CD and DVD replacement
• Electronic key and lock replacement
• Emergency assistance
• Loan and lease coverage
• New car replacement
• Personal property coverage
• Pet coverage
• Rental car reimbursement
• Roadside assistance

Safeco offers many ways to save your car insurance:

Safeco also a few other way to lower your auto insurance rates:

1. Increase Your Deductible: You can lower your premium by shifting part of the loss payment to yourself. For example, if you had a $500 deductible, you would need to pay the first $500 of a covered loss. A higher deductibles generally lower your premium, but increase the amount you must pay yourself if a loss occurs.
2. Pay Your Bill In Full: Pay your bill in full when you start or renew a policy instead of paying in monthly installments and you get a discount.

The Safeco Package deal discount offers the best combination of savings, convenience and coverage available when you combine your auto and home, condo or renters coverages. According to Safeco's website there are three main reasons to choose the Package:

Big Savings

• Save up to 15 percent. Combine your home and auto policies as a Safeco Package.
• Single loss deductible. If your car, motorcycle, boat or RV insured with Safeco is damaged in the same event as your home, you may only have to pay one deductible. For example, if a tree falls and damages both your garage and your car, we'll waive your auto deductible after your home deductible is paid.

Convenience

• Choose between a six month and an annual auto policy. With annual auto, you can align the renewal period and effective dates of your homeowners and auto policies. Plus, your auto premium is set for 12 months, so you know exactly how much your payments will be.
• Combined billing statements give you a single bill for all your policies, providing more efficiency and convenience.
• By aligning renewal dates, customers receive their policies in the same envelope, providing more simplicity and less paperwork.

Comprehensive Protection, Flexible Options

• Coverage options. Choose from multiple coverage options for both your home and auto policies.
• Coverage enhancements. Strengthen your coverage with optional enhancements like equipment breakdown coverage for your home and Roadside Assistance for your car.
• 24/7 claims. Get fast, fair and hassle-free claims service at any time on any day of the year.

Here are some Safeco Auto Insurance reviews from actual Safeco auto insurance customers:

"I have had Safeco Auto and HO6 for about 5 years. I used a broker when purchasing it so I was sure to get what I need. Recently I had a string of bad luck. In November I had to file a loss assessment on my H06, January 26 I needed roadside assistance and January 29 I had a one-vehicle weather related collision with a guard rail. All three times they went above and beyond duty to make sure everything was taken care of. Yesterday was my accident and the car is already in repairs and I have a rental.

That is how quick they were to get me back to normal. I do expect a significant rate increase, but that will happen anywhere. I couldn't ask for better service."

"Great rates, great company. I would recommend Safeco. I love that they pay 100% for any rock chip repair. Their rates are affordable. We combine them with our homeowners policy for further discounts."

"Great and affordable full coverage auto insurance. Safeco gives excellent service and quickly handles your claim. I had never heard of this company, but our agent recommended them and I am glad he did!"

Yes. Safeco has the money and reserves to pay it's auto claims. Safeco Insurance is owned by the Liberty Mutual Group, which is very financial stable.

Liberty Mutual Insurance has financial strength ratings of "A" or "Strong" from Standard & Poor's, an "A2" or "Good" from Moody's, and an "A" or "Excellent" rating with A.M. Best. Liberty Mutual is ranked in the top 100 largest U.S. Corporations according to Fortune.

Following are some Safeco auto insurance reviews online:

Better Business Bureau

The Better Business Bureau says Safeco offers: Car Insurance, Motorcycle Insurance, Personal Liability Protection, Homeowners Insurance, Renters Insurance, Condominium Insurance, Flood Insurance, Identity Fraud Expense Coverage & Life Insurance.

Overall the BBB rates Safeco A+. It does reference that Liberty Mutual is the parent company.

Motor1.com

Specifically notes that Safeco can be a great option for the parents of teenagers, because they aren't quite as harsh on teenage drivers as other policies are.

They also noted that Safeco has customizable policy options which can help you get the coverage that's just right for you at a price that makes sense.

Overall Motor1.com rates very Safeco good for certain driver types.

ConsumerAffairs.com

Notes that customers are happy with Safeco's low prices. They also specifically say that Safeco has good rates for older drivers, noting that an 80-year old female pays about $2000 per year ($166/month) for Safeco auto. The site also mentions that Safeco offers many discounts.

Overall ConsumerAffairs.com rates Safeco at 3 out of 5 stars.

Yes, Safeco is one of the few personal auto insurance companies offering rideshare insurance.

This means if you're an Uber or a Lyft Driver, this insurance policy could be perfect for you.

Many of Safeco's competitors force these drivers to go to a more expensive commercial auto insurance policy instead.

According to Safeco's Ridesharing page:

"With Safeco RideSharing Coverage, you get nearly the same coverage during applicable ridesharing activities as you do any other time you drive. Most of the coverage and options you selected for your Safeco auto policy extend to your RideSharing Coverage."