Safeco insurance review 2025
Safeco, a Liberty Mutual company, may be a good fit for customers seeking customized coverage, but customer service may be a pain point for some.
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AutoAvg. annual premium for full coverage $2,840Avg. annual premium for min coverage $575HomeAvg. annual premium for $300k dwelling coverage N/AAvg. annual premium for $750k dwelling coverage $4,118
News
Liberty Mutual announced plans to retire the Safeco brand in 2026. Moving forward, Safeco policies will be housed and serviced by Liberty Mutual. Safeco customers can still use their insurance agents, and their policies will transfer over to Liberty Mutual — all that's changing is the company name and logo on policy paperwork.
Compare Safeco with other insurers
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Featured
Safeco
3.9
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.3Coverage 5.0Support 4.0 |
Nationwide
4.2
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.9Coverage 4.5Support 3.9 |
Progressive
4.1
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.8Coverage 4.3Support 4.3 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Owned by Liberty Mutual, Safeco offers drivers and homeowners highly customizable policies, with some insurance options that may be hard to find from other carriers. However, it has poor customer satisfaction scores and a higher volume of complaints.
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With higher Bankrate scores across its home, auto and life insurance products, Nationwide might offer a better customer service experience for people looking to purchase multiple polices under one provider. Nationwide also has the added bonus of offering banking and investment services.
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People who prefer strong digital tools or are high-risk drivers looking for the cheapest rates might want to look into Progressive. The company is known for its solid digital tools and competitive rates for drivers with infractions on their licenses.
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Unique car insurance add-ons
Not the best customer service
No online home quotes
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Low average rates
National agent network
Many add-ons for auto and home
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Mixed customer service ratings
Strong digital policy management tools
Weaker home and life insurance offerings compared to competitors
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| $2,840 |
$1,914 |
$2,189 |
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J.D. POWER AUTO SCORE
J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| 687/1000 |
728/1000 |
672/1000 |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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| No rates available |
$2,073 |
$2,711 |
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J.D. POWER HOME SCORE
J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| 644/1000 |
709/1000 |
697/1000 |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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| A(Excellent) |
A+(Superior) |
A+(Superior) |
Safeco car insurance review
Safeco’s auto insurance product earned a 4.3 Bankrate Score out of a possible 5.0, making it one of the best car insurance companies in Bankrate’s analysis. Safeco’s high score comes down to a few key strengths: it’s available in most states, offers a wide range of coverage add-ons and discounts, and receives generally strong third-party ratings for financial strength and claims satisfaction. However, some customers report difficulty with customer service, which contributed to the carrier scoring well below average for overall customer satisfaction in every region it was scored in J.D. Power’s 2025 U.S. Auto Insurance Study.
Safeco has an A (Excellent) financial strength rating from AM Best. In addition to standard coverage options like liability, collision and uninsured motorist coverage, Safeco offers customers a variety of add-ons, like rental car reimbursement and new vehicle replacement, for full coverage policies. And for safe drivers, Safeco offers a unique perk: the company’s Claims Free Cash Back program promises the automatic return of up to 5 percent of your premium each year if you avoid filing claims.
Pros and cons of Safeco car insurance
Part of car insurance shopping is reviewing carriers to ensure they offer what you need. Here are some pros and cons when it comes to Safeco car insurance:
Pros
- Variety of add-on coverage options
- Claims-Free Cash back program rewards safe drivers
- RightTrack telematics program available
Cons
- Above-average NAIC Complaint index scores
- Rated below average by J.D. Power for customer satisfaction
- Discounts not clearly advertised
Safeco car insurance cost
A full coverage car insurance policy from Safeco costs an average of $237 per month, while minimum coverage costs $48 monthly, according to Quadrant Information Services. To compare, full coverage car insurance costs an average of $223 per month, and minimum coverage costs $67.
Compare Safeco car insurance rates
To see how Safeco stacks up against the competition, Bankrate complied average rates from some of the largest car insurance companies in the country.
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$237
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$48
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$223
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$75
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$182
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$61
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$181
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$49
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$279
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$82
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$172
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$50
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$159
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$57
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$256
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$81
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$185
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$60
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$188
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$62
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Safeco car insurance quotes by driver profile
Having a good credit history and a clean driving record makes car insurance more affordable, while driving infractions like a speeding ticket or DUI can make it more expensive. In most states, having a poor credit history can also send insurance costs up.
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Good driver, good credit
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Safeco full coverage premium
$2,840
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National full coverage premium
$2,671
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Safeco full coverage premium
$3,362
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National full coverage premium
$4,693
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Safeco full coverage premium
$3,168
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National full coverage premium
$3,272
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Safeco full coverage premium
$3,794
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National full coverage premium
$3,841
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Safeco full coverage premium
$6,084
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National full coverage premium
$5,233
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Safeco car insurance quotes by age
Your age also impacts the cost of your auto policy. Younger drivers tend to pay more, but rates usually taper off as they gain experience behind the wheel.
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Safeco full coverage premium
$6,087
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National full coverage premium
$5,710
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Safeco full coverage premium
$6,002
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National full coverage premium
$4,925
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Safeco full coverage premium
$7,511
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National full coverage premium
$5,398
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Safeco full coverage premium
$4,309
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National full coverage premium
$3,294
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Safeco full coverage premium
$3,092
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National full coverage premium
$2,850
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Safeco full coverage premium
$2,840
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National full coverage premium
$2,671
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Safeco full coverage premium
$2,660
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National full coverage premium
$2,415
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Safeco home insurance review
Safeco’s home insurance offerings are robust, especially for customers seeking a home insurance company with multiple endorsements. In addition to standard dwelling and liability coverages, Safeco offers six optional add-ons, from riders for valuable coverage like jewelry and art to identity theft coverage starting at $1 a month. The opt-in Guaranteed Repair Network feature even offers a guaranteed labor and material warranty.
Despite these strong coverage options, Safeco’s home insurance product earned a 3.5 Bankrate Score, primarily due to the company’s below-average scores for both customer satisfaction and claims handling in the latest J.D. Power studies. It’s still worth considering home insurance quotes from Safeco in your search, but keep the potential tradeoff between cost and service in mind.
Pros and cons of Safeco homeowners insurance
Pros
- Six home insurance endorsements
- Guaranteed Repair Network labor and material warranty available
- Generous bundling discount
Cons
- Low J.D. Power scores for claims and customer satisfaction
- No online quotes
- Limited customer service hours
Safeco home insurance cost
Safeco doesn’t make its home insurance rates available for analysis, so the best way to estimate your costs is to request a quote. Keep in mind that the national average cost of homeowners insurance is $2,408 per year for $300,000 in dwelling coverage. However, your chosen coverage amounts, location, claims history and other factors can all affect your final premium. If finding cheap home insurance is your priority, compare quotes from several different providers along with Safeco to find the best deal.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Safeco
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
What are real-life customers saying about Safeco?
To get a better handle on why Safeco performs so poorly in customer satisfaction surveys, Bankrate’s insurance editorial team scoured online forums and social media to hear from actual customers. We looked closely at discussions on Reddit Can and YouTube for customer voices, and found that while some customers received affordable rates and decent service from Safeco, poor claims handling created a negative experience for others.
The most positive feedback for Safeco came from Reddit, where some users expressed frustration with their Safeco claims experience, while others reported positive interactions with customer service.
YouTube
In contrast to Reddit, Safeco policyholders reported generally negative experiences with Safeco in YouTube comments. Rejected claims and dropped policies were two major complaints for Safeco policyholders, along with generally negative feedback regarding customer service.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Frequently asked questions
What policyholders are saying about Safeco
Safeco has 51 reviews
Dive into community reviews below and see what others think about Safeco.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Policyholder Reviews
Methodology
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Auto Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Home Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
