SAFECO Auto Insurance Reviews
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About SAFECO Auto Insurance
Safeco Insurance is a Liberty Mutual company that offers several different insurance products, including home, life and auto coverage. It has a wide variety of auto insurance policy options and customizable plans to suit your needs.
- New car replacement
- Pet coverage
- Backed by Liberty Mutual
- Not available nationwide
- No focus on high-risk drivers
Featured Reviews
What is Safeco auto insurance?
Safeco Insurance offers auto policies for a variety of vehicles. It has customizable coverage plans and a wide array of services, and all its policies cover up to $10,000 in reimbursement for others’ first aid following an accident. After a number of years of accident-free driving, your policy will qualify for accident forgiveness.
Safeco provides comprehensive, collision and roadside assistance coverage, as well as rental car reimbursement, which grants access to its claims valet service. It also offers Personal Injury Protection (PIP), medical payments (Med Pay), bodily injury liability, property damage liability and uninsured and underinsured motorist insurance options.
Additional coverage options include emergency assistance, which provides roadside assistance, coverage up to $100 for expenses and up to $500 for meals, lodging and transportation if you’re in an accident more than 25 miles from home. It also covers personal belongings damaged by an accident or taken in a stolen vehicle.
Its other add-on options include:
- Loan and lease coverage
- Electronic key and lock replacement
- CD and DVD replacement
- Pet coverage
- New car replacement
- Personal property coverage
- Audiovisual and custom equipment coverage
How does Safeco auto insurance work?
Safeco is backed by Liberty Mutual, the third largest property and casualty insurer in the U.S. It partners with local independent agents to help with policies and claims. You can customize your policy based on your auto needs, but Safeco’s standard car insurance policy provides essential liability protection and other coverages required by law, as well as coverage in the event of an accident while someone else is driving.
Safeco also has add-on coverage options with extra protection for damages, emergencies, repairs and personal property. You can manage your policy online and report and track a claim 24/7.
Safeco has a mobile app that allows customers to obtain ID cards, pay bills, view policy documents and get roadside assistance when needed.
Safeco auto insurance cost
Safeco doesn’t disclose its car insurance costs online, but you can apply for a quote on its website. The company offers a variety of discounts; for drivers who’ve never made a claim, Safeco reduces the collision deductible by $100 with each annual policy renewal, up to $500 or five years. It also provides discounts for completing a driving course, multicar policies and more.
Safeco auto insurance FAQ
Does Safeco auto insurance have a low mileage discount?
Where is Safeco auto insurance available?
Who owns Safeco?
Is Safeco a part of Liberty Mutual?
Is Safeco a good car insurance company?
Safeco is a solid car insurance provider. Backed by Liberty Mutual, it offers a comprehensive range of services. Its plans are customizable, and it has several discount options. It provides PIP and Med Pay, as well as comprehensive and collision coverage. Its add-ons include paid travel expenses, electronic key and lock replacement, new car replacement, personal property coverage, audiovisual and custom equipment coverage and pet coverage.
SAFECO Auto Insurance Reviews
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- 4,728,865 reviews on ConsumerAffairs are verified.
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Reviewed Aug. 27, 2025
I am not a customer of Safeco, I am subject to an accident where the other person has Safeco insurance. Their claims process has to be the worst out of any insurance company I've dealt with. The claims representative called me 5 minutes before she was out of office according to her claimed office hours. I called right back and received no response. This continued for 3 days, with me calling the representatives direct line and emailing her multiple times. I also called the Safeco main line and got in contact with multiple representatives that said I'd get a call back within the hour. Never happened. They needed my statement in order to move forward with the claim. You would think that a would be trying to get in contact with me repeatedly, not the other way around. Extremely frustrating process. I got attitude from employees working the phones for automotive claims.
I got hung up on, it's mind-boggling to me that and insurance company can have such poor customer service. I personally have Progressive, pay a great monthly rate and their customer service is top tier. Putting in the claim Friday night at 7:00 p.m. I was called Monday morning on the dot at 9:00 a.m. with a text sent to me 10 minutes beforehand letting me know the claims representative was going to call. If you don't care about customer service and a quick, easy claims process, don't insure yourself with Safeco. Part of me hopes that they treat their actual customers with a little bit more respect but from what I've experienced I doubt it.
Reviewed Aug. 25, 2025
Beware of this insurance agency. I paid $250 before and the company left California. I switched to Safeco. They started taking 437 from me and then I wanted to cancel the insurance. It was Neidemer. Don't deal with them.
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Reviewed July 23, 2025
This company is the devil. They took over Liberty Mutual who I was with for 4 years without any complaints or issues. The second they bought them out my coverage shot up by $100 a month, which they took out of my account without my expressed permission, as in I did not sign the new documents so I had no idea this was happening. Apparently them sending the documents is enough and I didn’t need to sign them…? Cool. Getting through to someone who can “help” is an absolute nightmare and guess what? They don’t help. I switched to Geico immediately who offered a policy at the rate I was paying with liberty. If you want to sign with Safeco I recommend literally burning your money instead. It’s probably more satisfying.
Reviewed July 15, 2025
SAFECO, through SimplyIOA, initiated a combo policy on our autos and a rental property on May 12th. They started with the autos, then proceeded to the rental property. 2 policies were needed to cover the property. After the first policy was completed, the second policy, wind and hail, was offered and right before signing, SAFECO said they decided to not cover the property. This left me in a bind. SimplyIOA asked that I give them a couple days to workout with SAFECO.
After a couple days, I went with a different provider. SAFECO withheld $300 as an early termination penalty that they said the state of NC would impose on me unless I show auto coverage from another insurer for May 12 - 16. After a conference call between myself, SimplyIOA, and SAFECO, they (SAFECO) agreed to refund the $300 with the understanding that the state of NC may impose a penalty for the 3 day gap and it would be on me to handle that. In a few days, I received a check from SAFECO...for $10. I followed up with Carlos at SAFECO, and he confirmed the $300 refund should be coming.
Shortly after this conversation, Carlos ** sent an email now stating that my current coverage would have to be dated May 12th. Reconnecting with Carlos has not been possible and emails to him concerning this have gone unanswered. I called back to SAFECO today to follow up and spoke to Rob W of "the gold team". Knowing that SAFECO records the calls, and that so much time had already gone into covering the details of this issue, I asked that the earlier conversations be reviewed to confirm SAFECO's earlier statements about fully rounding me. They refuse to look into this and stated they will not refund the $300 even though they created this situation by initiating the combo policy and retracting mid-stream.
Reviewed June 30, 2025
Do not use SafeCo in any circumstance. They work with multiple non-reputable companies for both towing and valuation. Then they jerk you around with paying out on claims that they are liable for. Then they jerk you around when getting the rest of your premium back after having your car or motorcycle totaled by someone that committed a hit and run. Working with this company has been the worst experience of my life and I advise nobody to ever use them. Pay a little more money and it will save you in the long run.
Reviewed June 10, 2025
Totally screwed me on my vandalism claim. Only paid 1200 on a 7000 claim. Communication was sketchy and explanation of claim payment was gobble de good. Terrible service. Do not recommend. Total rip off.
Reviewed May 19, 2025
Avoid Safeco Insurance – A Liberty Mutual Company. If you’re considering Safeco Insurance, think twice. I’ve paid my premiums, kept my policy up to date, and trusted them to be there when I needed them. But when my vehicle was damaged, they turned their back on me. Despite providing both written and video testimony from my mechanic and body shop clearly stating that the damage was from impact — not wear and tear — Safeco denied my claim, labeling it as “normal wear and tear.”
During the claims process, I had to formally request an inspector to come out. Only then did Safeco send a third-party inspector, who barely glanced at my vehicle, spoke to no one onsite, and left without addressing any of the specific damage or evidence provided. They never visited the site of the accident and completely disregarded the statements and video evidence that directly contradicted their denial. When I followed up, they refused to confirm receiving any of the evidence.
I was also passed from one adjuster to another, with crucial people conveniently left off communications, creating confusion and dragging out the process. This is classic bad faith behavior from an insurance company that knows pursuing a $5,000 claim isn’t worth the cost of legal action. Safeco has effectively left me to cover these damages out of pocket, knowing that hiring an attorney would likely cost more than the claim itself.
I’ve filed a complaint with the Oregon State Insurance Commission, but that doesn’t change the fact that Safeco Insurance - A Liberty Mutual Company clearly does not stand by its customers. If you’re looking for an insurance provider that actually honors its policyholders, do yourself a favor — avoid Safeco and look elsewhere. Don’t learn the hard way like I did.
Reviewed March 7, 2025
Switched to SAFECO as the rates for bundling were good, House, auto and toys. 3 years later, no claims or speeding tickets. House rates jumped 70%, auto about 10%. I guess they expect me to help pay for their bad investments... Not gonna happen! Never again Safeco....
Reviewed Feb. 12, 2025
My insurance was transferred from StateAuto to SafeCo through a company merger. They didn't notify me about the new policy in any way but instead doubled my premium and notified my mortgage bank. When I finally found out and called them, they had an address in my profile that was completely not mine. SafeCo should not be allowed to run a business because it lacks basic integrity and honesty.
Reviewed Jan. 11, 2025
Policy cancelled by Safeco in CA. Suggested I had mold and algae growing on my roof in the desert. They could not understand that mold and algae doesn't grow on roof in the desert. I sent multiple pictures several times. They claim they never received them after saying they received them. Scam company to avoid.
SAFECO Auto Insurance Company Information
- Company Name:
- SAFECO Auto Insurance
- Year Founded:
- 1923
- Address:
- P.O. Box 6476
- City:
- Carol Stream
- State/Province:
- IL
- Postal Code:
- 60197
- Country:
- United States
- Website:
- www.safeco.com