Safeco Insurance ratings and coverages

How much does Safeco car insurance cost?

Your personal car insurance rates vary depending on a combination of factors including your age, marital status, credit score, the car you drive, your driving history, and where you live. The company you choose also has a big impact. In the graph below, you can see the average cost of Safeco car insurance for a single adult compared to the national average cost of car insurance for a single adult.

The average Safeco auto insurance rates for a single adult profile are higher than the national average cost of car insurance. They are not the most affordable auto insurer, however, they offer special auto insurance discounts and services.

Please note that these are average car insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect car insurance rates

How much does Safeco homeowners insurance cost?

Homeowners insurance rates can vary based on factors that include the location of your home, your home's condition and age, the size and type of home, the crime rate in your area, your claim history, and your credit score. In the graph below, you can see the average cost of Safeco homeowners insurance compared to the national average of homeowners insurance. The graph is split into three categories: a home worth $200,000 with a homeowner with a poor credit score, a home worth $200,000 with a homeowner with an excellent credit score, and a home worth $400,000 with a homeowners with an excellent credit score.

The average Safeco homeowners insurance rates for both the $200K home with excellent credit and $400K home with excellent credit are below the national average homeowners insurance cost of the same profiles. The Safeco rates for the $200K home with a poor credit profile are higher than the national average rates. Please note that these are average homeowners insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect homeowners insurance rates.

What discounts does Safeco offer?

• New Home Discount: If your home is less than 10 years old you may qualify for a home insurance discount.
• Package Deals: Combining your home and auto insurance policies with Safeco could earn up to a 15 percent discount
• Accident Forgiveness: After being with Safeco for a certain number of years without an at-fault accident or violation, your first accident on your policy is waived
• Safe Driver Discounts: Safeco offers Safety Rewards for drivers with a clean driving record, driving a safe car or taking an accident prevention course
• Accident Prevention Course: Drivers over the age of 55 (in most states) who complete an approved accident prevention course may receive a discount with Safeco for three years
• Good Student Discount: Teenagers insured by Safeco who maintain a “B” average or better, maintain honor roll status, or are in the top 20% of their class are eligible for a discount
• Driver Training Discount: Safeco offers a discount when teens complete an approved driver education program
• Distant Student Discount: Teens in school more than 100 miles away from home are eligible to receive a discount from Safeco
• Tenure Reward: Safeco customers of at least two years are eligible for a discount at their next policy renewal if they add a teen driver to their policy
• Drive Less, Pay Less: Save up to 20 percent with Safeco with a low-mileage discount if your car is in the driveway more than it is on the road
• More Than One Car: Insuring more than one car with Safeco could earn customers discounts
• Deter Thieves: Safeco offers an anti-theft device discount if vehicles are equipped with an audible alarm or disabling device that renders the fuel, ignition, or starting system inoperative
• Anti-Lock Brakes Discount: Vehicles equipped with four-wheel, factory-installed anti-lock braking system are eligible for a discount with Safeco
• Own Your Own Home: Safeco offers a significant auto insurance discount for owning and primarily residing in a single-family home, townhouse, condo, or mobile home

Safeco Insurance FAQs

Are Liberty Mutual and Safeco the same company?

Safeco is owned by Liberty Mutual Insurance, but the two are separate companies that offer separate products at different prices. Safeco sells personal insurance products through a network of independent agents and brokers. Liberty Mutual sells personal insurance lines through trained Liberty Mutual agents. Both companies allow you to get insurance quotes online.

Is Safeco a good home insurance company?

One of the many insurance products Safeco offers is homeowners insurance. Safeco's homeowners insurance offers standard coverage to protect you and your home as well as many other coverages you can add including identity recovery, protection for high-valued items, and more. You can save money on a policy with many discounts including a multi-policy (bundling) discount if you combine your home and auto policies or a discount if you pay your bill in full. Visit the homeowners insurance rankings to see how Safeco's home insurance compares to other companies.

Does Safeco homeowners insurance cover mold?

Oftentimes, whether or not your homeowners insurance covers damage from mold depends on what caused the mold. Typically, if water gets into your home from a peril that is covered by your Safeco homeowners insurance policy and causes mold, you may have coverage for it. Be sure to check with your policy and your agent to see if mold is covered by your Safeco homeowners insurance policy.

What more should you know about Safeco?

Safeco's website is a great place to learn more about company offerings, file claims, pay bills, contact customer support, and more. Safeco also offers a mobile app for iOS and Android devices to have access to everything Safeco in the palm of your hand. Through the app, Safeco customers can report an auto accident, view ID cards, pay bills, update contact or policy information, check the status of a claim, access roadside assistance, or add policies.

Safeco RightTrack could save drivers up to 30% on their auto insurance just for driving as they normally would. The RightTrack device will pass along your driving information to your account where you will be able to see your discounts changing based on what time of day you drive, the total number of miles you drive, hard braking, or rapid acceleration.

For those with Safeco home insurance, there is Safeco's Home Inventory app for iOS available in the Apple store. It enables you to take photos of items in your home as well as store receipts and other information needed in a claim.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, "What is the best coverage plan for me/my family/my situation?" "What are the minimum coverage requirements in my state and what form of coverage do you recommend?" "Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?" and "What is the average rate of insurance quotes you guys offer?"

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It's simple, just plug in your zip code and we'll do the rest!

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