Is Safeway legitimate?
Yes. Safeway is a legitimate insurance company. It has ratings from reputable agencies like AM Best and the National Association of Insurance Commissioners (NAIC).
Established in 1959, Safeway is a privately held, family-owned insurance company headquartered in Westmont, Illinois. Because Safeway offers basic car insurance policies, drivers may raise a brow at its lack of advertised coverage and discount options. It also doesn’t provide online quotes to help you comparison shop, which may be a drawback if you prefer buying car insurance policies online.
How Safeway stacks up
Average cost of Safeway auto insurance
On average, Safeway auto insurance costs $245 per month for a full-coverage insurance policy and $136 per month for a liability-only policy. It’s similar to the national average cost of a full-coverage policy at $182 per month and a liability insurance policy at $103 per month.
Safeway insurance reviews and ratings
Insurance reviews may indicate what your experience will be like with an insurer. Take a look at what real users and popular rating agencies are saying about Safeway auto insurance.
Safeway customer reviews
It was difficult to find positive customer reviews for Safeway, and the majority of recent reviews Insurify analyzed are negative. Many customers cited difficulty getting ahold of a representative and a difficult time receiving a payout from claims.
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Safeway ratings
Insurance credit rating agencies can help you determine if an insurance company is financially stable and provides quality claims and customer service.
AM Best: A (Excellent)
Moody’s: Ba3
National Association of Insurance Commissioners (NAIC) Complaint Index: 1.38 (more complaints than average)
Safeway car insurance coverage options
Safeway’s website has limited information about its car insurance coverage options, but customers may work with a local independent agent to create their policy. Here are the auto insurance coverages Safeway offers:
Safeway car insurance cost by state
Car insurance requirements and costs vary depending on your state, and Safeway offers state-minimum insurance that complies with the law in the 12 states where it offers coverage. Safeway’s car insurance costs are average in the states where it offers policies: Some insurers offer cheaper policies, but others offer more expensive policies.
The table below shows Safeway’s average car insurance costs in different states.
Safeway auto insurance rates by driving history
Car insurance rates also vary depending on someone’s driving history. Drivers with clean records typically pay cheaper rates, while drivers with incidents, such as an at-fault accident, pay more expensive rates.
How much your car insurance rates increase after an incident depends on its severity; a speeding ticket that didn’t cause an accident won’t raise your rates as much as a driving under the influence (DUI) offense that causes injuries.1
Take a look at the table below for the average monthly cost of a full and liability-only insurance policy based on various driving profiles.
Safeway car insurance cost by age
Driver age greatly influences car insurance costs. Teen drivers usually pay the most expensive rates for car insurance due to their lack of experience on the road and an increased likelihood of engaging in risky driving behavior.2 Drivers with clean records tend to experience decreasing rates as they age, with rates hitting their lowest point in their 50s or 60s.
Senior drivers in their 70s may begin to see their premiums slightly increase again due to age-related conditions that may affect their driving abilities.
Here’s how much drivers pay for Safeway car insurance, based on age.
Safeway car insurance discounts
Car insurance discounts are an important factor to consider when choosing the best car insurance company for your needs. The more discounts you qualify for with a company, the lower your insurance rates will be.
Unfortunately, Safeway doesn’t advertise discounts on its website. If you’re curious about savings opportunities, you’ll have to contact one of Safeway's independent agents to learn about discounts.
Safeway vs. other insurance companies
Drivers have many options for buying car insurance, and choosing the right insurer can be overwhelming. Comparing insurance companies is the best way to find one in your budget with the coverage you need.
Safeway vs. Commonwealth Casualty
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Commonwealth Casualty and Safeway are regional insurance companies. Safeway exclusively offers auto insurance, but Commonwealth offers auto, renters, and home insurance policies. If you want to bundle policies, Commonwealth Casualty may be the best option.
Commonwealth Casualty also has more car insurance coverage options, including safety equipment coverage and vanishing deductibles. On the other hand, Safeway only offers standard auto insurance coverages like liability, comprehensive, and collision coverage. With more available coverages, Commonwealth Casualty may be better for someone who wants more customization for their auto insurance policy.
Safeway Insurance also doesn’t have online quotes, which may not be an issue if you prefer working with an insurance agent to purchase your policy. If you’d like to get a quick estimate or purchase your policy online, Commonwealth Casualty provides online quotes.
Safeway vs. West Bend
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While Safeway only offers auto insurance, West Bend sells auto, home, and other property insurance policies. If you purchase multiple policies, West Bend combines your payments into one premium, which makes managing your account easier. Bundling West Bend insurance policies also offers the convenience of a single deductible payment if your car and home sustain damage due to the same covered event, such as a fire or tornado.
West Bend may be an attractive option to drivers in Midwestern states who want to bundle their coverages. Safeway insurance is best for drivers who want basic protection at a cost-effective price.
How to file an auto insurance claim with Safeway
When you file an auto insurance claim, you’re requesting reimbursement from your insurance company for damages or injuries you sustained in an incident.
Here’s how to file a claim with Safeway:3
Call the number on your insurance card listed with “in case of accident.” If you don’t have the number, visit Safeway’s locations page to find the phone number to the nearest office in your area.
A claim representative will ask for your name and policy number with the date, location, and details of the incident. Also gather names of other involved parties and the policy report number to provide to the claims rep.
Safeway will assign a claims adjuster to help process your claim, which includes inspecting your car for damages and moving to repairs or a total loss settlement, depending on your coverage.
Safeway insurance FAQs
Learn how to compare quotes and rates while you shop for a policy, and read the answers to common questions about Safeway car insurance below.
What is the average cost of Safeway car insurance?
The average cost of Safeway car insurance is $136 per month for liability insurance and $245 per month for full coverage.
Is Safeway good at paying claims?
Yes. Safeway received a financial strength rating of A (Excellent) from AM Best, indicating that it’s financially stable and can meet its long-term financial obligations.
How do you cancel a Safeway insurance policy?
Safeway requires you to contact one of its independent agents to make changes to your insurance policy. You can find a list of its offices and office phone numbers on its locations page.
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