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Spotlight on Safeco Auto & Home Insurance

Updated on April 27, 2023
Kenna McHugh profile image

Kenna worked on an extensive insurance program helping consumers understand the pros and cons of auto and home insurance companies.

Safeco is part of the Liberty Mutual Group.
Safeco is part of the Liberty Mutual Group. | Source

Safeco Insurance Review and Quotes

Safeco is part of the Liberty Mutual Group and works with local independent insurance agents. The company offers more than a car and home insurance with a variety of discounts and services. Found in 1923 and a focus on Safeco insurance customer service, the company offers The Safeco Blog, sharing fun facts, advice, helpful tips, and guides.

Car Insurance

Car insurance coverage through Safeco generates insurance quotes based on these options:

Comprehensive coverage pays for damage caused by any type of incident, excluding a collision or rollover. The coverage includes theft, vandalism, fire, flooding, hail, and hitting an animal. The coverage helps pay for the repair or replaces a stolen car.

Collision coverage includes repairs to your damaged car caused by the accident, no matter who is at fault.

Build your own auto insurance policy, sit down with an independent insurance agent, and receive personal service to determine the best Safeco Insurance service.

Reimbursement first aid, all auto policies contain up to $10,000 for reimbursement of first aid dispensed to others following an accident.

Liability coverage includes bodily injury, property damage, and uninsured motorist. Liability offers two parts of coverage, bodily injury, and property damage.

Rental reimbursement helps cover the costs of renting a car while your car is in the shop undergoing repairs.

Accident forgiveness violation and accident-free for a set amount of years, you qualify for no increase in premium if one at-fault accident happens.

Diminishing deductible reduces your collision deductible if you maintain claim-free each year at $100 increments to a maximum of $500.

Roadside service for breakdowns on the road help is available. They include gas, tire changed, unlock of the vehicle, a jump start, brake, and radiator fluid, including a tow to the repair shop.

Rideshare, when the transportation network company (TNC) app is on, it suspends your coverage. Safeco covers the uninsured gap between Uber or Lyft rideshares.

Safeco offers discounts on car insurance.
Safeco offers discounts on car insurance. | Source

Insurance Discounts

Available discounts to reduce your premiums include:

RightTrack, a Plug-in device or a mobile app, saves insurers money and rewards the driver for safe driving.

Accident prevention course applies in some states for 55+ drivers and is valid for three years.

A new vehicle car is not over 3-years old.

More than one car is multiple vehicles under one insurance coverage.

Low-mileage saves up to 20% by driving less per year.

Deter thieves receive a discount if you install an audible alarm, or a disabling device, rendering the fuel, starter or ignition inoperative.

Anti-lock brakes apply in some states for cars outfitted with a factory-installed four-wheel anti-lock braking system.

The package deal receives a 15% discount by combining auto and home insurance coverage.

Home Insurance

Safeco home insurance coverage and discount quote include attention to help pay for rebuilding your home or repairing your home and other buildings within your property.

Home and on the road, help protect personal property and belongings away from home, anywhere in the world.

Additional living expenses, after you lose your house or it needs repair, this coverage helps cover the costs for temporary housing and living expenses, a maximum of 24 months.

Fire helps the cost of reconstruction of property, repair, and replacement.

Protection for people, someone gets hurt on your property, or you somehow injure or damage a neighbor’s property, the protection is in place.

Identity recovery helps cover up to $25,000 for lost wages and expenses connected to recovering your identity, including personal one-on-one assistance.

Homesharing renting out a room or sharing your house if anything happens to you or your home.

Valuable articles are predetermined dollar amount coverage for sentimental valuables, keepsakes, jewelry, and antiques with no deductible.

Equipment breakdown, your Energy Star appliances break down from normal usage.

Personal property replacement cost protection like dining room set or couch gets damaged. The insurance plan replaces with an agreed deductible.

Safeco offers insurance discounts.
Safeco offers insurance discounts. | Source

Insurance Discounts

Available discounts to reduce your premiums include:

Multiple losses one deductible combine policies with one catastrophe.

Newer home, qualifying discount for a home ten years or less old.

Multiple policy discount adds a motorcycle, RV, and boat to Safeco coverage.

The package deal receives a 15% discount by combining home and auto insurance coverage.


Safeco ratings, reviews, customer satisfaction, and complaints:

J.D. Power and Associates rated Safeco car insurance average based on a 5-star rating. J.D. Power gives Safeco three stars in all categories. Still, one, receiving four stars in customer interaction, three stars include overall satisfaction, product offerings, pricing, billing and processing, and claims handling.

The Better Business Bureau gave Safeco a score of A- (A+ highest to F the lowest.) because of government actions placed against the Liberty Mutual Group. Customer Reviews gave the company 1 star out of 5 with complaints about claims, unreasonable rate increase, and settlement claim never honored.

The Consumer affairs report Safeco Auto Insurance received positive reviews for a low price and coverage for older cars with 2.75 stars out of 5. Consumer affairs state Safeco Home Insurance is not accredited yet because of a lack of sufficient reviews with 3.75 stars out of 5.

Safeco offers competitive rates.
Safeco offers competitive rates. | Source

Reasons Why Safeco Is a Great Option

Safeco vs. AAA

According to The Zebra people with a poor credit history, Safeco premium rates score better than AAA premium rates.

On average, Insurers save between $1,000 to $2.000 on premiums if they go with Safeco. Safeco premium prices similarly score lower for Teen drivers signing with Safeco saving more money than if they signed with AAA.

Safeco vs. MetLife

Comparing Safeco with MetLife for people who have a history of reckless driving citation, speeding, and an at-fault accident. Safeco premiums rates total better than MetLife. The Zebra reports that MetLife premium for reckless driving violation is $3,219, while Safeco premium is $2,853.

Additional Policies Offered by Safeco

Being a consumer, you can use additional coverage and services than just car or home insurance. Safeco offers more insurance services, including:

  • Renters, rental property, home warranty, pet, umbrella, credit monitoring, and Landlord
  • Boats, RV/trailers, snowmobiles, and golf carts
  • All-terrain vehicles, off-road vehicles, classic cars, and motorcycles

Safeco offers a saving center, discounts on cars, homes, and lifestyle services.

Frequently Asked Questions

1. What do I need to do to get a quote?

A Safeco insurance quote is available online, where they connect you with a local independent insurance agent.

2. How do I file a claim with Safeco?

You call or go online and click on “File a Claim.”

© 2019 Kenna McHugh


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