Safeco Insurance Reviews 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Safeco Insurance Score
4.5 Stars
We award Safeco Insurance an overall rating of 4.5 out of 5 stars. The insurance company has been around for more than a century, which is remarkable within the insurance industry. Safeco provides customizable coverage paired with the expert advice of independent agents.
Safeco has received a high rating through AM Best and is accredited by the Better Business Bureau. Coverage is offered nationwide, though product availability can vary by state.
Safeco was founded in 1923 and offers coverage with affordable rates across the U.S. Many discounts are also available to further reduce premiums.
Today, Safeco still focuses on providing multiple insurance solutions for its customers. The carrier's catalog includes auto insurance, home insurance, boat insurance, umbrella insurance, pet health insurance, and much more. Safeco is a Liberty Mutual insurance company, which is another one of our top recommendations.
Safeco provides 24/7 claims reporting and customer service. We also love that the insurance company works with independent insurance agents to provide a more personalized and comprehensive experience for customers. Overall, we highly recommend working with your independent insurance agent to look into Safeco as an option to be your next trusted carrier.
Safeco Insurance Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Safeco Insurance Products by Type
Safeco offers personal and commercial insurance. The carrier's extensive catalog includes the following:
Auto & Vehicle Insurance:
Home & Property Insurance:
- Landlord insurance
- Home warranty insurance
Other Insurance:
- Cyber protection insurance
- Commercial insurance
Safeco Auto Insurance
Safeco offers all the standard types of auto insurance you'd need to build a complete policy. The carrier also offers a couple of coverage enhancement options.
Coverage types, features, and benefits:
Medical payments
This coverage can reimburse drivers for the cost of treatment for their own injuries or their passengers' injuries after an accident.
Property damage
This coverage can reimburse for costs of property damage you cause others with your vehicle, such as striking someone's mailbox.
Collision
This coverage can reimburse for repairs to your vehicle if it gets damaged in an accident.
Comprehensive
This coverage can reimburse for damage to your car caused by disasters other than collision, such as fire, hail, etc. It can also reimburse for vehicle theft, collisions with large animals, windshield breaks, etc.
Rental car reimbursement
This coverage can reimburse for the cost of a rental car while yours is in the shop after a covered disaster.
New vehicle replacement
This coverage can reimburse the cost of a comparable new car for customers who are a vehicle's original owner and have their vehicle stolen or totaled within one year or 15,000 miles.
Safeco Auto Insurance Average Prices
For more information about Safeco's auto insurance rates or to get a quote for local coverage, work with an independent insurance agent in your area. Safeco does not advertise its auto insurance rates on its official website, and rates vary depending on your location. You can also get a better idea of how much a car insurance policy might cost you by using our car insurance calculator.
Safeco Home Insurance
Since Safeco also offers its home insurance through local independent insurance agents, this coverage can be a good match for folks who need more customization and control over their policies. Policies are further customizable thanks to Safeco's optional coverage endorsements. Customers can also add equipment breakdown coverage and identity theft coverage to their home insurance for a more complete picture of protection.
Coverage types, features, and benefits:
Personal property coverage
This coverage can reimburse for repairing or replacing personal property like clothing, furniture, etc. after a covered incident, such as a fire, causes damage or destruction.
Personal liability coverage
This coverage can reimburse for your legal costs if you get sued by a third party for claims of personal property damage or bodily injury.
Dwelling coverage
This coverage can reimburse for repairing or rebuilding your home's structure after a covered loss, such as a fire, causes damage or destruction.
Valuable articles coverage
Endorsements are available to extend your coverage for particularly valuable items that may exceed your personal property coverage's limits, such as jewelry, fine art, furs, etc.
Equipment breakdown coverage
This optional add-on coverage can help repair or replace household equipment after an electrical or mechanical breakdown, which otherwise wouldn't be covered by your home insurance policy.
Safeco Home Insurance Average Prices
For more information about Safeco's homeowners insurance rates or to get a quote for local coverage, work with an independent insurance agent in your area. Safeco does not advertise its home insurance rates on the official website, and rates vary depending on your location. To get a better idea of how much a home insurance policy might cost you, check out our homeowners insurance calculator.
What Discounts Does Safeco Offer?
Safeco offers a lot of discounts for you to take advantage of, including the following savings for home and auto insurance:
- Bundling home and auto discount: Customers who bundle both home and auto can save up to 15%. You can qualify for significant savings on your auto insurance when you own and primarily reside in a single-family home, townhouse, condominium, or mobile home.
- Protective devices discount: Customers who have burglar alarms or sprinkler systems in their homes can earn a discount on their home insurance premiums.
- New home discount: Customers who insure newer homes can save money on their premiums.
- Advanced quote discount: Customers who request a quote in advance can save money on their premiums.
- Umbrella package discount: Customers who also purchase umbrella insurance can save money on their home and umbrella insurance premiums.
- Claims-free discount: Customers who remain claims-free for at least six months can receive up to 2.5% of their premiums back by check.
An independent insurance agent can provide better discount information and premium quotes for coverage through Safeco Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Safeco Customer Service
Safeco offers 24/7 phone and online claims reporting, tracking, and management for its policyholders. The carrier also provides the following customer service options:
- Phone
- Snail mail
- Mobile app
- 24/7 roadside assistance
- Customer service is available 24/7 by phone or online
| Days | Hours (ALL TIME ZONES) | ||
| Monday-Friday | 24/7 | ||
| Saturday | 24/7 | ||
| Sunday | 24/7 |
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
Connect with a Safeco Agent Today.
Shopping for insurance? Safeco has you covered.
Safeco Insurance FAQs
Safeco offers claims reporting through a couple of mediums, either online or by phone. However, the insurance company does not provide an official claims response time frame promise. Safeco encourages customers to file claims immediately.
Safeco allows customers to file claims over the phone or online 24/7. The carrier’s social media presence extends across Facebook, X, and LinkedIn, which makes it more accessible to customers.
Safeco offers a couple of options for claims reporting. However, the insurance company does not detail its claims process on the official website or its social media platforms. If customers have questions about filing or the claims process itself, they can contact Safeco via phone or online or get in touch with an independent insurance agent.
Safeco’s official website makes it easy to find the insurance options you're looking for in a policy. The carrier does not provide much information about its claims process or detail a claims response time frame.
Online bill pay is available, as is 24/7 claims reporting via phone or online, which are convenient modern customer service features. Thus, while Safeco is not the worst in terms of user-friendliness, it could stand to update its procedures in a couple of areas.
Safeco offers all the standard auto insurance coverages you could need, including liability, collision, comprehensive, etc. The carrier also offers new vehicle replacement coverage and rental car reimbursement coverage. Several discounts are also available to help reduce auto insurance premiums.
Safeco has an excellent rating by AM Best and is backed by Liberty Mutual, a longstanding carrier with an "A-" rating by the BBB. Safeco offers 24/7 claims reporting and a multitude of products for individuals, nationwide. Overall, Safeco can certainly be considered a good insurance company.
Safeco's insurance products may be right for individuals seeking various types of auto or home insurance. Product availability varies by state, but customers can choose from auto insurance, home insurance, boat insurance, renters insurance, umbrella insurance, and much more.
https://www.safeco.com/
https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=2448
https://www.bbb.org/us/tx/san-antonio/profile/insurance-companies/safeco-insurance-0825-90025015
https://www.bbb.org/us/ma/boston/profile/insurance-companies/liberty-mutual-group-0021-89