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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- 4,648,778 reviews on ConsumerAffairs are verified.
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- 4,648,778 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
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.
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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.
Reviewed Dec. 23, 2024
We filed a home insurance claim back in July due to storm damage, and they sent a local business to do an appraisal and quote the work being done. At that time, we felt confident that the job would be done well thanks to the sales rep that was at our home. We were promised everything we were concerned with would be handled.
The local business they sent to us was completely disappointing, and SafeCo did nothing to help us. They were hardly responsive, did not alleviate any of our concerns, and we still don't have a few items from the claim done that we were promised. The SafeCo agent we were assigned was Paul **. The local business they had do work showed up randomly and did not communicate with us at all. They left a mess of our yard and driveway, leaving nails and trash everywhere, left our gate open, and even broke our brand new fence gate with nothing done about that. The roof looked terrible when it was completed, did not look professional at all. Trying to get ahold of anyone to address our concerns has been the most difficult process ever. It is now 6+ months later, and we have not had some of the work done that was promised. We would not recommend SafeCoo to anyone looking for good quality insurance.
Reviewed Nov. 9, 2024
An independent insurance agent identified Safeco as the best-priced insurance policy for the new car I bought in July 2024. I have not had an accident since I bought Safeco insurance, and I can't say how it would go if I needed to file a claim. They provide a "10% discount" for agreeing to use their RightTrack app to track your driving habits. I wasn't interested in that for privacy and because of experiencing the unreasonable scores from other insurance companies, but I figured if it's the lowest price now I can reassess the market after my first year. Safeco claims they will not charge you more if your driving habits score unsafe. Well of course the app is a scam.
If you apply the brakes, they ding you for hard braking. I think anyone who drives on a highway or in any kind of traffic would be hard-pressed to earn a score good enough to maintain the 10% discount, let alone save even more. To be a "safe driver" according to Safeco, you will need to run red lights to avoid braking because risking getting t-boned is apparently safer than braking faster than 8 mph per second. Maybe if you live out in the country and can drive 20 mph on empty roads you could score well.
There's also a lot of documentation that the first handful of trips you take set your score, and it doesn't matter how well you drive after that, it can't improve. However, if you drive immaculately for 89 days and then have to brake hard to avoid an accident, your score will plummet. You could also be a Safeco customer for 50 years and you will never again have the opportunity to use their app and show that you improved your driving habits. Also, the app kept failing to record my trips, and I had to call Safeco to reset it every few days.
Anyway, my score earned less than the "10% discount" they offered to bring me in the door. According to Safeco's scoring system, the fact that I haven't been in an accident since 2004 must be a minor miracle. Now they're charging me the pro-rated difference of my policy at "a lower discount" than the initial "10%." How is that different in practice than a penalty fee for what the insurance company calls unsafe driving habits? The base rate of their premium is basically being called a "10% discount," and they will charge you up to 10% more than that in penalties for what they consider unsafe driving on your initial term. I'm sure their legal department came up with the discount language scam to ensure they can get away with it. But I think it's deceptive business practices, even if their lawyers found a loophole to make it legal.
They set a lower premium rate to lure in and also tease that you could save even more with the driving app, and then you wind up paying more than their competitors for so-called unsafe driving. I would advise anyone to avoid Safeco at all costs unless you want to be graded as a crappy driver and charged additional fees labeled as "reduced discounts."
Reviewed Sept. 19, 2024
They are an insurance collection agency affiliated with Safeco (who is absolutely awful as well). They purchase reviews from their employees for $50, which common... What collection agency do you know that has a 4+Star review? They break many laws on the fair debt collection practices, they try to intimidate by calling your family and friends, which they obtain their information by PI software and cold call them even if they are on the DNC list. Everybody that is dealing with them, report them to the Illinois AG's office. It's quick and easy and they need to be investigated for all the laws they break. They also lie about the law and create fake government documents. I work in the legal system and know I have a few things to go after them in court next. I am working on getting that all together, but I wanted to warn people.
Do not listen to them, contact the AG and an attorney. This company will not be in business for long hopefully. Safeco should be ashamed as well, leave them reviews as well if that is who you are having issues with. They are trying to collect on me when their client was at fault. Luckily, I have evidence and a recorded call. They think they are smooth, but if they call you and tell you they are recording you, that is their acknowledgment that the call is being recorded, so you do not have to say anything and you can record them. Hope that tip helps somebody. Report, report, report. They need to be investigated and the scum they have working for them need to be homeless and unemployed, because that is all they deserve the way they treat people. I pray enough people bring lawsuits against them.
Reviewed May 16, 2024
Having insurance with them is like throwing money in water. They just collect premium, do not pay for any repair. They will find something to not do anything. You do not have option to request review, it is just yes or no. No right to appeal. This is scam.
Reviewed April 19, 2024
After getting a nail in my tire, I used the SafeCo app to ask for roadside assistance. The app used gps to locate the car and decided my car was nowhere near the actual location. I called to have the location updated which they seemed incapable of doing. I made sure that they knew that my car, as an AWD, needed a flatbed. Finally the tow truck driver called after two hours and I gave him the right address. The tow truck guy shows up with a small truck with a tow bar. I am now waiting an additional two hours to see if maybe a flatbed will arrive.
Reviewed March 20, 2024
In two years my car insurance has gone up 150% with zero claims, zero tickets, and the same cars. In the same two years my home insurance went up 200% with zero claims or changes. They also sent me a letter one year giving me just a two week notice that they would not renew my home insurance because I did not have rails on a set of steps and because my gutters were clogged with leaves. My gutters were not clogged because I have a screen guard on them so the inspector was not much of an inspector. I had the rails fixed in two days and had to send photos of my gutter guards and it was resolved. Please do not use this company.
Reviewed Dec. 9, 2023
An insurer of Safeco/Liberty Mutual lost control of his car on the freeway and struck mine. All communication with Safeco was canned, "we are unable to contact our insurer and thus unable to determine fault". After five weeks of this communication, Safeco recommended I go through my insurance to repair my car. I had my car returned after two months with my insurance billing Safeco. (Subrogation).
Car rental and other expenses were addressed by Safeco only after two complaints to the State Insurance Commissioner. Safeco admitted 100% liability but only offered a partial settlement for my additional expenses. It is now 10 months later and all is finally resolved because of the help and support of my Insurance Company (Hartford) and Enterprise Car Rental Services. My experience with Safeco has been very difficult and frustrating because of the ignoring and inconveniences I have experienced due to the lack of Safeco's support with this accident.
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