Safety Auto Insurance: User Reviews and Quotes (2025)

Safety Insurance has great coverage options and discounts, plus cheap average rates. But it only operates in a few states.

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Safety Insurance is a Boston-based insurance company that sells auto insurance in Maine, Massachusetts, and New Hampshire.1 The company stands out for unique and comprehensive car insurance coverage options. It also has very affordable rates and a good selection of discounts.

You should always compare coverage options from multiple companies before buying a policy. Here’s what you need to know to determine if Safety is the right insurance company for you.

Quick Facts
  • Safety Insurance doesn’t provide online quotes. You must work with an agent to get a car insurance quote and purchase a policy.

  • Safety Insurance earned a slightly below-average customer satisfaction ranking in the J.D. Power 2023 U.S. Auto Insurance Study.2

  • The company offers unique coverage endorsements, like pet coverage and bail bonds coverage.

How Safety Insurance compares to other insurance companies

Because Safety Insurance Company is a regional insurance company, it doesn’t compete with major national insurance companies, like GEICO or Progressive.

Compared to other small insurers, like Anchor and Commonwealth Casualty, Safety Insurance typically has cheaper premiums, more coverage options, and more discounts. In addition, it has a better financial strength rating from AM Best than most of its competitors.

  • Our editorial team spent 350 hours developing the IQ (Insurify Quality) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims

    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.

    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.

    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.

    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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How Safety Insurance rates compare to competitors

Safety Insurance has cheaper average coverage than some competitors, with an average full-coverage premium of $121 per month. For comparison, the average cost of full coverage from Anchor is $166 per month.

Compare average full-coverage quotes from comparable competitors below.

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of Safety auto insurance

Safety Insurance has cheaper car insurance rates than many of its competitors. But car insurance premiums depend on your driver profile. High-risk drivers — like teenagers and people with past speeding tickets, car accidents, or DUIs — usually pay higher insurance rates. People with clean driving records pay the lowest premiums.

Below, you can see how the average monthly liability insurance rates from Safety Insurance compare to the national average rates for different categories of drivers.

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Safety car insurance cost by state

The average cost of car insurance is different in every state, and each state sets specific minimum coverage requirements. Car insurance premiums can vary significantly depending on the state you have coverage in.

Safety has slightly lower rates than other companies in the insurance industry that sell coverage in Massachusetts and New Hampshire, according to internal rate data.

In the table below, you can see the average monthly car insurance premium from Safety Insurance in the three states where it sells auto insurance.

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Safety car insurance discounts

When comparing car insurance companies, it’s important to pay attention to the discounts available. Choosing an insurer that offers multiple car insurance discounts can help you save the most money.

Safety Insurance offers a great selection of discounts, but the discounts available — and the potential savings — vary by state. The company offers a multi-policy discount in all three states. Students can earn savings with a student away from school discount and a good student discount.

Here are the discounts available to drivers:

How customers feel about Safety Insurance

Safety Insurance has mixed reviews from customers online. It has fewer customer complaints than average for the company’s size, according to the National Association of Insurance Commissioners (NAIC) Complaint Index.3

Safety Insurance has a rating of 1 out of 5 stars from customers on its BBB profile page and 2.9 out of 5 stars on Trustpilot, though the sample size of reviews on both websites is 5 or fewer. Safety Insurance has more customer responses on Google, with 3 out of 5 stars based on 670 reviews.

Safety Insurance ratings

Safety Insurance has mostly received good ratings from third-party organizations. The company has an excellent financial strength rating from AM Best and fewer complaints than expected per the NAIC Complaint Index. But Safety Insurance earned a below-average rating for overall customer satisfaction by J.D. Power in the New England region.

Learn more about these ratings below.

Safety car insurance coverage options

Safety Insurance sells property and casualty insurance products. It offers state-minimum car insurance policies in the three states where it sells coverage. It also has full-coverage car insurance policies that include collision and comprehensive insurance.

The company sells several endorsements that you can add to a standard auto policy, but the options vary by state. Here are the company’s three enhanced coverage options:

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Other options for Safety Insurance customers

Safety Insurance sells a variety of insurance products in addition to auto coverage, namely home and business coverage. It doesn’t sell life insurance.

Learn more about other available coverages below:

  • Home insurance: This covers the physical structure of your home and personal belongings, as well as third-party liability claims.

  • Dwelling fire insurance: Dwelling fire insurance includes dwelling coverage and liability coverage for non-owner-occupied one- or two-family properties.

  • Personal umbrella insurance: Umbrella insurance provides excess liability coverage above the limits of car insurance, boat insurance, and homeowners insurance policies. Coverage limits range from $1 million to $5 million.

  • Business insurance: Safety Insurance sells commercial auto insurance, business owners policies (BOPs), commercial umbrella insurance, and commercial package policies.

Safety Insurance FAQs

Safety Insurance can be a good car insurance company for some drivers. If you’re still considering whether Safety is the right insurer for your needs, the following information can help answer your remaining questions.

  • Is Safety Insurance legitimate?

    Safety Insurance is a legitimate insurance company. It’s rated by a few reputable third-party organizations, including J.D. Power, AM Best, and the NAIC. It sells auto, home, and business insurance in Massachusetts, Maine, and New Hampshire.

  • What is the average cost of Safety car insurance?

    The average cost of Safety Insurance car insurance is $59 per month for liability insurance and $121 for full coverage. Safety has competitive rates compared to some of its competitors.

    The best way to find the cheapest coverage is to compare quotes from multiple insurers at once. To do this, you can use quote-comparison sites like Insurify, entering personal information like your ZIP code, vehicle type, and coverage needs to get quotes quickly.

  • Is Safety Insurance good at paying claims?

    Safety Insurance is good at paying claims. The company has an A (Excellent) financial strength rating from AM Best, which means it can meet policyholder obligations and settle claims.

  • What is the AM Best rating for Safety Insurance?

    Safety Insurance has an A (Excellent) financial strength rating from AM Best. It’s only one step down from AM Best’s highest financial strength category, “Superior.”

  • How do you cancel your Safety Insurance policy?

    To cancel an auto insurance policy from Safety Insurance, you should contact your agent or call the company’s main phone number at 1 (800) 951-2100. You can also send an email to [email protected]. It’s a good idea to set up your new auto policy before canceling your existing coverage from Safety Insurance.

Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 

Elizabeth has been a contributor at Insurify since October 2022.

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