Safeco Auto Insurance Review

Rating: 7.8 / 10 (Very good)
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Safeco Insurance is a direct lender of many different types of policies, including auto. Founded in 1923 in Seattle, they've since become a member of Liberty Mutual Group. Within the industry, this financial conglomerate holds an A rating from AM Best, an A2 from Moody’s, and an A- from Standard and Poor’s.

How is Safeco rated?


Coverage & Benefits
Pricing and Discounts
Financial Strength
Customer Experience

Overall Rating: 7.8 / 10 (Very good)

Safeco's coverage options fall within the average for the industry, although their discount range is broad. Their third-party ratings are fairly standard, as regards both customer experience and financial strength. As there is very little that makes Safeco stand out from the rest of the pack, potential customers may wish to compare their quotes against others before making a final decision.

Safeco Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Sound System
  • Vet Bills

Coverage & Benefits - 9 / 10

Safeco’s coverage options are fairly conventional within the car insurance industry (liability, collision, uninsured motorist, and personal injury). On the other hand, their optional add-ons are a bit more unique, with sound system repair and pet coverage helping them stand out from the crowd.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC Car Insurance complaint ratio (in this case 1.08) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Customer Experience - 6 / 10

Considering Safeco’s 1.08 complaint ratio, we judge their customer experience to be middling. Although their A- rating from the Better Business Bureau should suggest otherwise, its 14 positive reviews are overwhelmed by over two hundred negative ones.

Financial Strength

Key Details

Liberty Mutual
Premiums Written 2016
AM Best Financial Rating
Moody's Financial Rating
Standard & Poor's Financial Rating

Financial Strength - 7 / 10

Safeco benefits from being a subsidiary of Liberty Mutual, especially in the realm of financial strength. In this case, their parent company’s A, A2, and A+ ratings, from Standard & Poor, Moody, and AM Best, respectively, lend Safeco some additional legitimacy.
*The above information reflects the financial strength of the underwriter of the Safeco car insurance policies: Liberty Mutual.

Pricing & Discounts


  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Low Milage
  • Vehicle Safety
  • Homeowner
  • Bundled Policy

Pricing and Discounts - 8 / 10

Compared to its competitors, Safeco offers a large array of discounts, including for low mileage vehicles, anti-theft protections, high safety ratings, students with safe driving records, and even homeowners.

Contact & Additional Information

Homepage URL
Company Phone
(800) 332-3226
Headquarters Address
175 Berkeley Street, Boston, MA, 02116
Year Founded

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