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.

Visit agents.libertymutual.com
Pros
  • New car replacement
  • Pet coverage
  • Backed by Liberty Mutual
Cons
  • Not available nationwide
  • No focus on high-risk drivers

Helpful Reviews

Bradford, PA
Verified purchase
The price is about half of what the other quotes are. Paying for the policy is easy and convenient. They also have an app to view the policy and pay the bill... When we have quest...

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Fullerton, CA
Verified purchase
Horrible company and support. Safeco Insurance refused to exclude my son as a driver when he went off to college. Requested proof of residency that was submitted next day of exclu...

Read more

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?
Safeco offers a discount of up to 20% for vehicles with low annual mileage.
Where is Safeco auto insurance available?
Safeco is in several states, but it’s not available nationwide. In order to check availability, contact a local agent.
Who owns Safeco?
Hawthorne K. Dent is the founder and executive of Safeco Insurance.
Is Safeco a part of Liberty Mutual?
Yes. In September 2008, Safeco became part of Liberty Mutual, the third largest property and casualty insurer in the United States.

Still have questions?

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.

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SAFECO Auto Insurance Reviews

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    Page 1 Reviews 0 - 10
    Profile pic of the author.
    CoverageRefunds & PayoutsStaffRates

    Reviewed July 7, 2026

    I CAN NOT recommend Liberty Mutual Safeco!! I was in an auto accident in August 2019. The Gentleman that hit me had this insurance. I was injuried and have had multiple surgeries on hands because of. Plus now have lasting damage!!! They literally offered $400 dollars for pain and suffering. It has since drug on and has not been settled. What should have been a simple process has been horrible with them. They have lost files, lost xrays, done deposition etc. The Gentleman has since passed away a few years ago. So they are still dragging it on essentially drawing interest on policy that was paid for by him and his wife many times over in case of something happening as in a wreck etc. How can a company get away with this!! I can say I have an AMAZING insurance company such as State Farm!!!

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    Customer ServiceCoveragePriceRefunds & PayoutsStaffBilling

    Reviewed July 2, 2026

    Dallas, Texas. Incident one: A driver sideswiped my car; Safeco said a tow truck would arrive within an hour. When it didn't, I called and was told the truck would arrive in another hour. It didn't arrive; I called the driver, who sneered, "You're not the only customer." I cancelled service call with him and then with Safeco and drove myself in rush hour. Safeco paid the tow truck from my policy over my objections.

    In addition, Safeco had insisted on assigning my repair to an unknown, out-of-town shop rather than the nearby Dallas shops I know and trust. I literally had to drive past my home and the excellent shop half a mile past it and go to a suburb's industrial neighborhood and seedy shop. The shop staff was rude and did poor work: After three days, the paint formed large bubbles and popped. It took nearly a year of wrangling with Safeco to get the paint redone elsewhere.

    Incident 2: I was sitting in my small Acura sedan in neutral in a car wash. The wash malfunctioned and the overhead wash equipment stopped. Yet my car continued to roll almost imperceptibly slowly on the track; the speedometer barely registered. I was afraid to take it out of neutral, because I'd once seen the violent careening of a car in drive on a wash track. My car stopped gently against the enormous, thick, tall rubber covered bumper of a large SUV.

    The driver got out and screamed, "You crashed into our car. You injured us!" Their SUV was a dinged-up mess on all four sides. My car caused no impact and no damage and was in pristine condition. The driver and his wife were foreign and had no insurance. Safeco refused to look at video or consider that the car wash was responsible. Instead, they said I was at fault because I was in the car and paid for car repair and medical bills. Safeco was too lazy and cheap to represent their customer and instead represented the other party. In addition, it was hell trying to talk to anybody; customer service is gone, zip, nil.

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      Customer ServiceCoveragePunctuality & Speed

      Reviewed June 10, 2026

      I would just like to say I WAS A CUSTOMER!!SAFECO DROPPED me after being with them for almost 12 years! In 12 years no accidents (1) speeding ticket that i went to class and got dropped. But, this last year admittedly left the scene of a parked car accident that I didn't know what to do, due to the circumstances. Did Safeco reach out to me to what exactly HAPPENED? NO!! If they did they would have understood. I've been driving over 40 years! You'd think they would have called me and just asked. I have other family members that have Safeco as there insurance and they even kept me as my Homeowners insurance!! REALLY? You think I'm gonna keep you know? BYE! Others will be leaving you as well... Thank for all your support over the last decade!!! NOT!!! 😡

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      Customer ServiceContract & TermsCoveragePricePunctuality & SpeedStaffTimeliness

      Reviewed Jan. 29, 2026

      Horrible company and support. Safeco Insurance refused to exclude my son as a driver when he went off to college. Requested proof of residency that was submitted next day of exclusion request. No company contact and they charge me for him. 2 weeks later when I called again, they said I need to submit an exclusion form. Nothing was mailed for another week. Meanwhile they continue to charge me for his insurance. I called again and they said they will email exclusion form and he will be excluded after their receive exclusion form and they won't backdate exclusion request.

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      Profile pic of the author.
      Customer Service

      Reviewed Dec. 17, 2025

      This has been by far bar, none. The worse customer service I have ever received. In my sixty four years, I've living. No one answers the phone. Keep you on, hold for 45 minutes. And it takes you another half an hour, forty five minutes to call back.

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      CoverageTechSales & MarketingPriceTimeliness

      Reviewed Oct. 26, 2025

      Shittiest insurance ever!!! Stay as far away from them as you can. I paid month premium $184, next day after I found better provider that offers me exactly the same coverage for $116, and I canceled SAFECO, what was my surprise when I saw amount due $72 more in my cabinet. So cancellation cost me $250. I asked for the detailed statement, breakdown from them but I did get nothing. Feels like a scam! Stay away!!

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      Customer ServiceCoveragePriceRefunds & Payouts

      Reviewed Oct. 23, 2025

      I cancelled my renters insurance on 10-17-25. I signed the documents and everything. Then on 10-20-25 they still charged me out of my account. They basically stole from me. They wouldn’t refund to the card that they stole the money out of… instead they sent a check that takes 7-10 days to receive. Will never return to Safeco and Liberty Mutual again. Horrible customer service.

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      Profile pic of the author.
      Customer ServiceRefunds & PayoutsStaff

      Reviewed Sept. 22, 2025

      I have been trying to settle for years with Safeco. The employees are rude. They sent 3 live checks trying to make us settle then when we call, they saying the case is settled but they agree the checks have not been cashed. Isn't this illegal?? If anyone wants to get a class action going, I'm in. They have not paid for the accident and now don't want to. Unethical company.

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      Contract & TermsSales & MarketingStaffBilling

      Reviewed Sept. 2, 2025

      I’ve been trying to cancel my policy with them since June 11, 2025. My agent, my new agent and I have all contacted them repeatedly. They still withdrew payment on a policy that had been cancelled. We spoke with them again, sent them supporting documents AGAIN. They claimed they would back date the cancellation date to June 11. Now we get a letter stating that we still owe them money! Actually, they owe us over $100 dollars for withdrawing a payment on a policy that had been cancelled, which they failed to process correctly on their end. That company is a scam.

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      Customer ServiceCoveragePunctuality & SpeedStaffRatesTimeliness

      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.

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      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:
      agents.libertymutual.com