Safeco Auto Insurance Review

Feb 15, 2024 By Susan Kelly

Safeco Auto Insurance is a subsidiary of Liberty Mutual and offers car insurance to drivers in the United States. The company has been in business since 1923 and is headquartered in Seattle, Washington.


When it comes to finding affordable car insurance, Safeco is one of the best options available. In fact, a recent study by Forbes found that Safeco is one of the most affordable auto insurers in the country. Not only is their coverage reliable and affordable, but they also offer a wide variety of coverage options to choose from. This makes it easy to find the perfect policy for your needs.

One thing that makes Safeco stand out from the competition is its excellent customer service. When you need to file a claim or have any questions about your policy, you can rest assured that you will be taken care of by knowledgeable and friendly representatives. Plus, their website is easy to use and provides a wealth of information about their policies and coverage options.


  • Offers a variety of discounts
  • 24/7 claims service
  • Towing and rental car coverage are available


  • Rates tend to be a little higher than many competitors' rates

Safeco Auto Insurance Discounts

Safeco is a well-known auto insurance company with a long history of providing quality coverage. They offer various coverage options and discounts, making it easy to find the right policy for your needs, including discounts for good drivers, safe drivers, students, and military members.

One of the biggest benefits of Safeco auto insurance is its accident forgiveness policy. This policy guarantees that your rates will not increase after your first at-fault accident. In addition, they offer a variety of other discounts, including:

Multi-policy discount: Save money when you bundle your auto insurance with another policy, such as home or renter’s insurance.

Safe driver discount: Get rewarded for driving safely with a discount on your premiums.

Good student discount: Students who maintain a B average or higher can save up to 20% on their premiums.

Senior citizen discount: Get a discount on your rates when you turn 55 years old or older.

Membership discount: Save money on your premiums when you belong to certain organizations, such as the AARP.

Coverage options

Safeco Auto Insurance offers a variety of coverage options, including liability, comprehensive, collision, and uninsured/underinsured motorist coverage. The company also offers roadside assistance and rental car reimbursement coverage.

Bodily injury liability coverage: This coverage helps pay for injuries you cause to another person in an accident.

Property damage liability coverage: This coverage helps pay for damage you cause to someone else's property in an accident.

Collision coverage: This coverage helps pay for damages to your vehicle caused by an accident.

Comprehensive coverage: This coverage helps pay for damages to your vehicle caused by something other than a collision, such as a fire or theft.

Uninsured/underinsured motorist coverage: This coverage helps protect you if you're in an accident with someone who doesn't have insurance or doesn't have enough insurance.

Rental car reimbursement: This coverage pays for a rental car while your vehicle is being repaired after an accident.

Roadside assistance: This coverage provides assistance if you run into trouble while driving, such as a flat tire or dead battery.

Safeco's strong history and variety of discounts make them a great choice for auto insurance. They offer quality coverage at a competitive price, and their accident forgiveness policy ensures that your rates will not increase after your first at-fault accident.


Safeco is a good option for drivers looking for various discounts and 24/7 claims service. However, its rates are generally higher than those of its competitors. Therefore, drivers should compare Safeco's rates with those of other insurers before choosing a policy.

Overall, Safeco Auto Insurance is a reliable auto insurance company with a good reputation. The company offers a variety of coverage options and discounts and has a quick and easy claims process. Rates are a little bit high compared to other auto insurers, but the company's customer service is excellent. As a result, Safeco Auto Insurance is a good choice for drivers looking for reliable car insurance coverage.

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