Safeco Car Insurance Review 2023 (2023)

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.



Safeco is good for safe drivers—it offers a rebate for being claims-free, diminishing deductible and usage-based plans. But it falters in customer service and claims handling.


  • Offers benefits that can be good after an accident, such as new car replacement and accident forgiveness.
  • Has a usage-based auto insurance option (RightTrack) that could bring insurance savings to good drivers.
  • Offers claims-free discount and vanishing deductible for qualifying safe drivers.
  • Offers rideshare insurance for drivers of companies such as Uber or Lyft.
  • Offers specialty coverages, such as non-owner, SR-22 and gap insurance.


  • Auto insurance complaints against Safeco are higher than the industry average.
  • Customer satisfaction scores are much lower than most we competitors evaluated.
  • Claims handling scores are lower than the industry average

Safeco Car Insurance Review 2023 (1)

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(Video) Safeco Insurance Review

Table of Contents

  • About Safeco Car Insurance
  • Safeco’s RightTrack Usage-Based Car Insurance
  • Safeco Car Insurance Discounts
  • Comparison of Auto Insurance Complaint Levels
  • Safeco Auto Insurance Customer Satisfaction
  • Safeco’s Car Insurance Claims Handling
  • More Insurance from Safeco
  • More About Safeco
  • Safeco’s Charitable Causes

Show more

About Safeco Car Insurance

Safeco is a Boston-based insurance company owned by Liberty Mutual. It sells car insurance in all 50 states and Washington, D.C.

Safeco provides all the standard car insurance types you would expect:

  • Liability coverage. If someone is hurt or their property is damaged in an accident you cause, your liability car insurance will pay for covered damages and expenses, including court costs if you are sued. This coverage is divided into bodily injury liability and property damage liability.
  • Collision coverage. Collision coverage pays for damage to your vehicle from an accident, regardless of fault. It will also pay for your vehicle damage if you hit an object (such as a guardrail or utility pole).
  • Comprehensive coverage. Comprehensive coverage applies to damage caused by anything not considered a collision. This can include theft, vandalism, fire, floods, hail, falling objects or a run-in with a deer or other animal.
  • Medical payments coverage. Safeco can cover accident-related medical expenses up to the policy limits for anyone injured while they’re in your car, no matter who’s at fault.
  • Uninsured/underinsured motorist coverage. If you’re injured in an accident caused by someone with little to no insurance, uninsured motorist insurance will cover you and any passengers in your vehicle.
  • Personal injury protection. This coverage pays for you and your passengers’ medical expenses and hospital bills, no matter who is at fault for the accident. It is required in no-fault insurance states and is optional in others.

Safeco also offers:

  • Accident forgiveness. Your first accident on a Safeco policy is waived after a set number of years with Safeco coverage if you haven’t had at-fault accident or moving violation.
  • New vehicle replacement. If you’re the original owner of a car less than one year old and with fewer than 15,000 miles that has been totaled or stolen, Safeco will cover the cost of a comparable new car.
  • Rental reimbursement. Safeco will reimburse you for the expense of a rental car while your vehicle is being fixed due to an issue covered by your policy, like a car accident.
  • 24-hour roadside assistance. This service includes flat-tire changes, fuel delivery and towing.
  • Rideshare driver insurance. Your personal auto insurance policy coverage can be extended to include rideshare insurance. This coverage is for an additional cost of about $10 a month.
  • Gap or loan/lease insurance. Gap insurance covers the difference between what you owe and the value of your stolen or totaled vehicle.
  • Non-owners insurance. Non-owner car insurance is a liability policy for drivers who don’t own a car but need car insurance, for instance if you frequently rent cars or you’re required to show proof of car insurance (such as an SR-22).
  • Custom equipment coverage. This covers equipment you add to your car to modify its performance or appearance—for instance, custom wheels, engines and roll bars.
  • Emergency assistance. If you purchase this service, Safeco provides up to $500 for hotels, meals and transportation, and $100 for incidental expenses, if you’re in an accident more than 25 miles from home and unable to drive your car.
  • First-aid reimbursement. If you administer first aid to another person injured in an accident covered by your policy, Safeco provides reimbursement for any related costs incurred, up to $10,000.
  • Pet injury coverage. If you have collision insurance, pet injury insurance from Safeco provides up to $500 for vet costs or burial expenses for your dog or cat if it is injured in an accident that’s covered by your policy.

Safeco’s RightTrack Usage-Based Car Insurance

If you let Safeco’s RightTrack technology monitor your driving, you could save as much as $513 a year if you have good on-the-road behavior, according to the company. RightTrack is a usage-based insurance program that monitors hard braking, acceleration, nighttime driving and the number of miles driven.

You receive a discount just for signing up for and participating in RightTrack. After a 90-day review period you can qualify for a good driving discount that lasts throughout the life of your policy.

Safeco Car Insurance Discounts

Safeco offers several auto insurance discounts:

  • Claims-free discount. If you go claims-free over a six-month period, Safeco will send you a check covering 2.5% of your policy premium. You can receive up to 5% of your premium each year under this benefit.
  • Diminishing deductible. When you maintain a clean driving record, your deductible will be reduced by $50 for a six-month auto policy or $100 for an annual auto policy at every renewal. The maximum benefit is five years or $500.
  • Safe driving course discount. When you complete an accident prevention course, you’re eligible for a premium discount.
  • Vehicle safety features. If your car is equipped with certain safety features, for example, anti-lock brakes, Safeco might give you a discount.
  • Multi-policy discount. A “bundling” discount is available if you buy more than one type of policy from Safeco, such as car insurance and home insurance.

Related: Cheap car insurance of 2023

(Video) Safeco Right Track Review. Is it worth it?

Comparison of Auto Insurance Complaint Levels

The level of auto insurance complaints against Safeco is higher than other large insurers. Still, Safeco complaints were near the industry average, according to the most recent data from the National Association of Insurance Commissioners (NAIC).

The NAIC’s Complaint Index is calculated by dividing a company’s share of complaints by its share of premiums.

Safeco Car Insurance Review 2023 (2)

Safeco Auto Insurance Customer Satisfaction

Safeco scored below average and was in the bottom five for customer satisfaction in the three regions where it was evaluated in J.D. Power’s 2021 U.S. Auto Insurance Study. The study ranks auto insurance companies by region on customer satisfaction by surveying customers. (Note that USAA earned the highest score in all three regions but wasn’t ranked due to its limited availability to those with military affiliations.)

Here is how Safeco compared to the regional average and competitors in the three areas where its was evaluated (scores are out of 1,000):

Central region

  • Safeco (829) was 12 points below the regional average (841).
  • It placed 9th in a field of 13 insurers, beating out Nationwide, Travelers, Liberty Mutual and Allstate.
  • Shelter (856), Farmers (848), State Farm (847), Geico and Auto-Owners (845) were the top five insurers, respectively.
  • Auto Club of Southern California Insurance group had the same score as Safeco, while American Family (839) and Progressive (837) beat Safeco by about 10 points.

North Central region

  • Safeco (825) was 14 points below the regional average (839).
  • It placed 15th in a field of 17 insurers, beating out only Travelers and the Automobile Club Group.
  • Erie (857), State Farm (851), Country Financial (850), American Family (844) and Auto-Owners (842) were the top five, respectively.
  • Progressive (842) was higher than the regional average and Geico (837) was just a bit lower—both beat out Safeco.
  • Allstate, Farmers, Liberty Mutual and Nationwide scored below average but above Safeco.

Northwest region

  • Safeco (803) was 24 points below the regional average (827).
  • It placed last in a field of eight insurers.
  • State Farm (844), PEMCO (835), Allstate (825), American Family (823) and Geico (821) were the top five, respectively, with the latter three just a few points below average.
  • Progressive and Farmers were both 10 points or more below average, but beat out Safeco.

Safeco’s Car Insurance Claims Handling

In J.D. Power’s 2021 Auto Claims Satisfaction Study, Safeco (871) was about 10 points below the industry average (880). It placed 12th in a field of 18.

The Hartford (905), Erie (901), Auto Club of Southern California Insurance Group (897), Amica (895) and Farmers (893) were the top five, respectively.

More Insurance from Safeco

In addition to auto insurance, Safeco offers coverage for:

  • Houses and condos
  • Renters
  • Watercraft
  • Motorcycles
  • Classic cars
  • RVs
  • ATV and off-road vehicles
  • Golf carts
  • Landlords
  • Identity theft

More About Safeco

Safeco was founded in 1923 in Seattle as the General Insurance Co. of America and was nicknamed The General. Eventually, the company adopted the Safeco name (standing for Selective Auto and Fire Insurance Co. of America) and abandoned The General nickname. Liberty Mutual purchased Safeco in 2008.

(Video) Never Buy This Car Insurance

Safeco’s Charitable Causes

Safeco, in partnership with its parent company Liberty Mutual, donates up to $10,000 to qualifying non-profit groups through its annual Make More Happen awards campaign.

Agents share stories about non-profit community groups they champion, and if the story receives 500 social media shares and/or comments, the entity receives a donation.

Best Car Insurance Companies 2023

With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the best car insurance companies, so you don't have to.

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How good is Safeco with claims? ›

Safeco has an "A" rating from AM Best, meaning it has an "excellent" financial ability to pay out claims.

Is Safeco reputable? ›

Safeco scored below average and was in the bottom five for customer satisfaction in the three regions where it was evaluated in J.D. Power's 2021 U.S. Auto Insurance Study.

What should I not tell my car insurance company? ›

Here are 9 things you should never say to your insurer after an accident.
  • It was my fault. This may be common knowledge for many, but it's worth reiterating that you should never admit fault. ...
  • I think. ...
  • I'm fine. ...
  • Names. ...
  • Recorded statements. ...
  • Unnecessary details. ...
  • We don't have an attorney. ...
  • Yes, I accept your offer.
Dec 8, 2020

Does Safeco pay out claims? ›

Yes, Safeco has accident forgiveness for your first crash as long as you haven't had a claim for a certain amount of time. Eligibility varies by state (not available in California). How do I file a claim with Safeco? You can file a claim online, with your agent or through the Safeco app.

Which car insurance company is best in claim settlement? ›

20+ Best Car Insurance Companies in India in 2023
Car Insurance CompanyNetwork GaragesClaim Settlement Ratio
Magma HDI400097.1%
Digit Car InsuranceRepair Anywhere96%
Edelweiss Car Insurance150098%
Future Generali Car Insurance350096.3%
16 more rows

What is the best car insurance right now? ›

The best car insurance companies:
  • Geico.
  • Amica.
  • USAA.
  • Safeco.
  • Auto-Owners.
  • State Farm.
  • Progressive.
  • New Jersey Manufacturers.

Is Safeco the same as progressive? ›

Safeco only sells policies through independent agents, while Progressive sells through agents as well as directly to customers. Plus, it's worth noting that Progressive is a much larger insurer than Safeco.

What is Safeco auto insurance rating? ›

Safeco earned a 4.2 out of 5.0 Bankrate Score for its third-party industry ratings and other attributes.

What is the difference between Safeco and Liberty Mutual? ›

2008 - Becoming a Liberty Mutual Insurance company

In September 2008, Safeco became part of Liberty Mutual Insurance. The financial strength of our parent company, combined with a national network of local independent agents, has enabled Safeco to focus exclusively on personal insurance.

What insurance companies don t want you to know? ›

11 things car insurance companies don't want you to know
  • Your car insurance may not be tied to the driver.
  • The type of car you drive matters.
  • Prior claims and questions raise rates.
  • You can check your report for errors.
  • Your credit score impacts your car insurance costs.
  • Where you live impacts your premium account.
Nov 2, 2019

What not to say when making an insurance claim? ›

The top 5 things to not say to an insurance adjuster are
  1. admitting fault,
  2. saying that you are not hurt,
  3. describing your injuries,
  4. speculating about what happened, or.
  5. saying anything on the record.
Jul 22, 2022

How do you beat a high car insurance? ›

Here are some ways to save on car insurance1
  1. Increase your deductible.
  2. Check for discounts you qualify for.
  3. Compare auto insurance quotes.
  4. Maintain a good driving record.
  5. Participate in a safe driving program.
  6. Take a defensive driving course.
  7. Explore payment options.
  8. Improve your credit score.

Can you pocket the money from an insurance claim? ›

As long as you own your car outright, you can do whatever you want with the claim money you receive from your insurer. This means that you can keep any leftover money from your claim. However, it is very important to never intentionally overestimate the cost of repairing your car.

How long does Safeco pay claims? ›

A check can be mailed to the address in the claim file within 7-10 days. If you've selected one of the digital payment methods, you'll need to enter the supporting information which will be validated against the information on record with the bank.

Why are insurance companies not paying claims? ›

Companies will refuse to approve your request for compensation if your claim lacks support and evidence. The insurer may justify its denial by claiming that it believes your injuries were pre-existing at the time of the accident or that your own conduct made the injuries worse.

How do I ask for more money in an insurance settlement? ›

7 Tips for Successfully Negotiating for More Money with the Insurance Company
  1. Seek Legal Representation Right Away. ...
  2. Think About a Settlement Amount. ...
  3. Be Cautious About What You Reveal to the Adjuster. ...
  4. Don't Necessarily Accept First Offer. ...
  5. Request the Adjuster to Justify a Low Offer. ...
  6. Highlight Emotional Points.
Nov 9, 2022

Do insurance companies want to settle quickly? ›

Insurance companies want to spend as little time and money as possible on each claim. Quick settlements help them achieve this goal. But quick settlements are usually unfair for accident victims because the value of most accident claims is much higher than initial settlement offers.

How do you negotiate a higher settlement in a car accident? ›

8 Auto Accident Settlement Negotiation Tips
  1. Initiate a Claim as Soon as Possible After an Auto Accident.
  2. Keep Accurate Records About the Accident.
  3. Calculate a Fair Settlement.
  4. Send a Detailed Demand Letter to the Insurance Company.
  5. Do Not Accept the First Offer.
  6. Emphasize the Points in Your Favor.
  7. Get Everything in Writing.

Which insurance company has the highest customer satisfaction? ›

U.S. News Rating

USAA is the best insurance company in our ratings. According to our 2023 survey, USAA customers report the highest level of customer satisfaction and are most likely to renew their policies and recommend USAA to other drivers.

Who is the number 1 auto insurer in the US? ›


However, claims satisfaction ratings and coverage options are average. Progressive is the largest car insurance company in the country and was established in 1937.

Who is the top five insurance company? ›

The five largest health insurance companies by membership are UnitedHealth Group, Anthem, Aetna, Cigna and Humana.

Is Safeco expensive? ›

Typically, an auto insurance policy from Safeco is expensive. This insurer has higher rates than other car insurance companies due to its calculations regarding your driving history, age and location.

Is Safeco or Liberty Mutual cheaper? ›

Typically, Liberty Mutual offers lower prices than Safe Auto for drivers with credit scores of 579 or less. Those with excellent credit — a score of 800 or better — should favor Liberty Mutual, which typically beats Safe Auto by $129 per year.

Whats cheaper then Progressive? ›

Geico has lower average rates in our analyses, while Progressive offers coverage that Geico doesn't, such as gap coverage. Geico has more robust technology and app offerings than Progressive.

Is Safeco the same as AAA? ›

Safeco: home insurance. While both companies are major providers of auto insurance, they differ for home insurance. AAA partners with many other insurers to provide homeowners coverage, allowing policyholders a wide breadth of coverage options. Safeco, however, offers only a basic homeowners package.

Who bought out Safeco? ›

Liberty Mutual

Which insurance policy is best? ›

Top 10 Life Insurance Policies in India
Plan NamePlan TypePolicy Term (Min/Max)
Aditya Birla Sun Life InsuranceTerm10 years to 55 years
SBI Life eShieldTerm5 years to 30 years
HDFC Life Click 2 Protect PlusTerm10 years to 40 years
Aviva i-LifeTerm10 years to 35 years
6 more rows

Who is Liberty Mutual's biggest competitor? ›

Liberty Mutual Insurance main competitors are Erie Insurance, The Travelers Companies, and Mutual of Omaha.

Which personal insurance is best? ›

Top 10 Life Insurance Policies in India
  • HDFC Life Click 2 Protect Plus. Term.
  • SBI Life eShield. Term.
  • Future Generali Care Plus. Rural.
  • Aviva i-Life. Term.
  • Birla Sun Life BSLI Protect@Ease Plan. Term.
  • Max Life Online Term Plan Plus Basic Life Cover. Term.
  • LIC's Jeevan Pragati Plan. Endowment.
  • PNB MetLife Mera Term Plan. Term.
Jan 11, 2023

Do insurance companies try to trick you? ›

One of the easiest and most common tactics insurance companies use to minimize your claim is to lie to you outright. They will attempt to trick you into believing you don't have a legitimate claim or otherwise cannot pursue rightful compensation.

What are red flags for insurance companies? ›

Red Flags
  • the damage to a vehicle doesn't match an injury alleged by an occupant.
  • the claimant is extraordinarily familiar with insurance industry terms and procedures.
  • the claimant is extremely impatient to collect on a claim.
  • the claimant is reluctant to provide a street address.

Do insurance companies actually follow you? ›

An insurance company can hire a private investigator to follow you if you are in public. However, legal issues can arise if the private investigator follows or spies on you in a place where you have a reasonable expectation of privacy.

What are 3 other common reasons that car insurance claims can be denied? ›

The insurance provider's claims department may deny your claim for these reasons:
  • You were driving while intoxicated or driving under the influence at the time of the accident.
  • The insurer believes the accident was avoidable.
  • You were driving without a valid license.
  • You were driving without valid auto insurance.
Dec 28, 2022

What not to say to adjuster? ›

What Not to Say to an Insurance Adjuster
  • Never Admit Fault. ...
  • Don't Answer Questions About the Incident. ...
  • Don't Give Information about Your Physical or Emotional Condition. ...
  • Don't Accept the Initial Settlement Offer. ...
  • Contact a Florida Car Accident Attorney Today.
Dec 13, 2022

What are five ways to avoid rejection of insurance claims? ›

By knowing the most common denial reasons, you can take steps to avoid and reduce claim denials.
  • Verify insurance and eligibility. ...
  • Collect accurate and complete patient information. ...
  • Verify referrals, authorizations, and medical necessity determinations. ...
  • Ensure accurate coding.
Feb 9, 2021

Can I lie to get cheaper car insurance? ›

Lying on your car insurance application may seem harmless but there are implications for everyone involved. Car insurance fraud costs insurers billions of dollars. This is passed on to consumers who end up paying higher premiums. If you get caught, your policy could be canceled and you could be denied further coverage.

Does a high credit score affect car insurance? ›

A higher credit score decreases your car insurance rate, often significantly, with almost every insurance company and in most states. Getting a quote, however, does not affect your credit.

Why my car insurance is too high? ›

Common causes of overly expensive insurance rates include your age, driving record, credit history, coverage options, what car you drive and where you live. Anything that insurers can link to an increased likelihood that you will be in an accident and file a claim will result in higher car insurance premiums.

Should I accept the first offer from an insurance company? ›

you don't have to accept any offer that's made to you. If you do accept an offer it might be lower than the compensation you would have got if you'd used a solicitor or gone to court instead. don't feel under any pressure to make a decision quickly.

Should I cash my insurance check? ›

But should you cash it? You can, but in most cases, the answer is no, because the moment you cash or deposit the check, it will waive the insurance company from any further liability, thereby terminating any chance of you getting further compensation.

What happens to insurance money not used? ›

Your lender may place the money into an escrow account and pay for the repairs when they occur. Other times, your insurance carrier will pay your contractor directly for home repairs.

Is Safeco good at paying claims? ›

While Safeco may not have high customer satisfaction ratings, it does have solid financial strength and can pay out customer claims. AM Best gave the company an "A" financial strength rating, which means that it has an "excellent" ability to pay out claims.

How long does it take for insurance to approve a settlement? ›

It could take an insurance company 1-2 weeks to respond to your demand letter and any further letters. The whole process could take months, depending on how many rounds of offers and counteroffers are involved. Once you've accepted a settlement, it could take a few weeks to a month before your payment arrives.

Do insurance companies ever not pay out? ›

It's rare for life insurance not to pay out. In the vast majority of cases, insurers pay the lump sum as the policyholder intended. But it's worth knowing why a handful are declined and what you can do to help make sure yours isn't one of them. Holly Bennett Last updated on 02 August 2022.

Can you sue an insurance company for taking too long? ›

Insurers can be sued for unreasonable delay in the claim process even prior to giving you an adverse claim decision.

What to do if insurance claim is taking too long? ›

If your insurance company is taking a long time to process a claim, you can take matters into your own hands. Reach out to the adjuster who is overseeing your claim and ask for an update on where they are in the process -- and what you can do to expedite things.

What percentage of insurance claims are denied? ›

However, depending on the payer, average claim denial rates ranged from just 1 percent to 80 percent.

Is there a downside to filing an insurance claim? ›

Every time a claim is filed, it is reported to the Comprehensive Loss Underwriting Exchange (CLUE). All carriers review this database, and a claim may increase your premiums at your next policy renewal. Having repeat claims, even ones with low insurance payouts, might cause a property insurer to non-renew your policy.

Which accident insurance is best? ›

Top 6 Best Accidental Insurance Plan
InsurerPlan NameCoverage amount
Bajaj Allianz General InsurancePersonal Accidental PlanRs. 10-25 lakh
HDFC Ergo General InsurancePersonal Accident PlanRs. 2.5-15 lakh
Niva Bupa Health InsuranceAccidental PlanRs. 5-25 lakh
Care Health InsurancePersonal Accident PlanRs. 15 lakh- 25 crore
2 more rows

How do most insurance companies pay out when there is a claim? ›

Once the insurance company sends an adjuster and evaluates the damage to your home, they'll pay a settlement amount in either replacement cost or actual cash value. Replacement cost gives you funds to cover the costs to rebuild your home or repair damages using similar materials.

What are the 3 most common mistakes on a claim that will cause denials? ›

Common Errors when Submitting Claims:
  • Wrong demographic information. It is a very common and basic issue that happens while submitting claims. ...
  • Incorrect Provider Information on Claims. Incorrect provider information like address, NPI, etc. ...
  • Wrong CPT Codes. ...
  • Claim not filed on time.
Jun 23, 2021

What are the two main reasons for denying a claim? ›

Common Reasons for Claim Denials
  • Technicalities: missing codes or authorizations, claim filing mistakes.
  • Medical: treatment not considered a medical necessity or is considered experimental/investigational.

What are 5 reasons why a claim may be denied or rejected? ›

5 Reasons a Claim May Be Denied
  • The claim has errors. Minor data errors are the most common culprit for claim denials. ...
  • You used a provider who isn't in your health plan's network. ...
  • Your care needed approval ahead of time. ...
  • You get care that isn't covered. ...
  • The claim went to the wrong insurance company.
Sep 19, 2022

What should you not say when filing a claim? ›

This is true whether you are simply filing a claim through your own insurance policy or if you are making a demand against the at-fault driver's insurer.
Some key phrases to avoid saying to an insurance adjuster include:
  1. “I'm sorry.”
  2. “It was all/partly my fault.”
  3. “I did not see the other person/driver.”

When should you not make a claim? ›

Example of when not to file an auto insurance claim:
  1. It's a minor self-accident.
  2. No one is injured.
  3. No one else's property is damaged.
  4. Repair costs are less than your deductible.

Why does insurance drop you after a claim? ›

Too many insurance claims

If you file claims often your insurer may view you as a greater risk, which may lead them to non-renewing your policy. Insurers may not drop a customer after their first one or two incidents. The first step is often to increase your car insurance rate.

At what point is collision insurance not worth it? ›

Your collision premiums cost more than your car's actual cash value. Cars depreciate as soon as you drive them off the lot. Knowing your car's cash value is essential. For example, if it's an older model and only worth $1,750, but you're paying over $2,000 in premiums, you might consider dropping collision coverage.

Which insurance company is number1? ›

Although it's the most popular insurance company nationwide, Progressive is the largest company in just 15 states. State Farm is the top choice in 24 states, and Geico is the biggest in nine states. Allstate and Mapfre account for one state each.

Do insurance companies always offer a settlement? ›

Insurance companies exist to protect their policyholders by paying claims against them. Unless the insurance representative has a solid reason not to pay the claim, you can almost always expect a settlement offer after filing a claim with an insurance company.

How long can an insurance company take to payout a claim? ›

The insurers have 40 days to accept or dismiss the claims. They must then begin the investigation and pay the compensation benefits as decided in the settlement agreement within 30 days. These are timeframes as stated in the California Code of Regulations.


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