If you’re in the market for new car insurance, you might have heard of Safeco and may be wondering if it makes sense for your insurance needs.

Safeco could be a good choice if you’re in the market for car insurance with unique benefits at a competitive price. A Safeco policy includes coverages that aren’t common with most standard policies, like accident forgiveness.

Safeco serves drivers in all 50 U.S. states, but the company’s discount options aren’t the broadest. Here’s what you need to know about Safeco so you can decide if it’s the right car insurance company for you.

How Safeco compares to other insurance companies

How Safeco rates compare to competitors

Safeco offers lower rates and cheaper coverage than other insurance agencies. Its liability-only policies average $68 per month, and its full-coverage policies average $126 per month, according to Insurify data.

You can see how some other insurers’ monthly full-coverage rates compare in the table below.

Average cost of Safeco auto insurance

If you have an incident on your record — like an accident, speeding ticket, or DUI — insurance companies will see you as a higher risk and raise rates to offset their increased risk of insuring you.

See how monthly liability rates for Safeco compare to the national averages for different types of drivers.

Safeco car insurance cost by state

Car insurance requirements and prices vary depending on your state. You may see higher premiums based on your location’s risk factors, like higher crime or accident rates. The table shows the average monthly cost of a liability auto insurance policy in states where Safeco offers insurance.

Safeco car insurance discounts 

Discounts are important in choosing an insurer. If an insurance company offers more money-saving opportunities, you could get a better deal on your policy.

Safeco advertises the following discounts on its website:

• Multi-policy (up to 15%)

• RightTrack program (up to 30%)

• Multi-car

• Accident-free

• Violation-free

• Vehicle safety features

How customers feel about Safeco

Safeco reviews and ratings are mixed. The company earned high ratings for financial stability and claims satisfaction but also has drawn many customer complaints. Trustpilot customers particularly expressed dissatisfaction with the customer service team and significant rate increases on their policy.1

Safeco customer reviews

Customer reviews highlight the experiences policyholders have with a company. Reviewing testimonials from previous customers can help you decide whether a company is worth your business. Take a look at the following reviews from real and verified users.

Safeco ratings

The table below shows Safeco ratings from multiple third-party agencies. These ratings demonstrate the company’s financial strength, claims satisfaction, and volume of complaints compared to industry competitors.

Safeco car insurance coverage options 

Safeco offers the standard state-minimum car insurance coverage, like liability, medical payments, and uninsured/underinsured motorist coverage. It also provides comprehensive and collision coverage to protect your vehicle.

You’ll find complimentary benefits with your Safeco policy that standard insurance doesn’t offer, including:

Safeco also offers the following optional coverages at an additional premium:

Other options for Safeco customers

Safeco offers other insurance products to protect yourself and your property:

• Homeowners insurance: Purchase Safeco home insurance to protect your house and belongings from damage or loss caused by fire, theft, and natural disasters.

• Renters insurance: Renters can purchase Safeco renters insurance for personal belongings and liability coverage in case of accidents, theft, and other hazards.

• Pet insurance: Safeco pet insurance covers veterinary expenses for your furry loved ones, including treatments and surgeries.

• Motorcycle insurance: Protect you and your motorcycle against damage, theft, and liability by purchasing Safeco motorcycle insurance.

How Safeco RightTrack works

The Safeco RightTrack program is a mobile app that monitors and rewards safe driving.

The app tracks your driving activity for 90 days, observing behaviors such as your braking, acceleration, mileage, and the time of day you drive. These factors contribute to your overall score, which your insurer then uses to assign a discount of up to 30%.

You also automatically receive a 10% discount just for signing up. Every member listed on your policy can participate to increase overall savings.

Safeco doesn’t offer this program in Alaska, California, Delaware, Hawaii, New York, and North Carolina.