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Safety Insurance: Compare Ratings, Coverage & Discounts in 2024

Safety Insurance Company is one of the leading providers of Property and Casualty Insurance in Massachusetts, New Hampshire, and Maine. Our philosophy is built on offering customers the highest quality insurance products at competitive prices and providing the best service at all costs. Safety Insurance offers a full suite of Personal and Commercial insurance products including Auto, Homeowners, Personal Umbrella, Scheduled Personal Property, Watercraft, Commercial Auto, Business owners and Commercial Umbrella. We offer a broad selection of discounts and enhanced coverage endorsements that help protect your most important assets. We have a strong reputation as a market leader and consistently maintain an A rating from A.M. Best.

Safety Insurance has always been focused on providing customers with modern technology that makes it easy to do business with us. We are committed to providing the fastest and easiest claims services in the business. We offer many unique claims services that set us apart from our competitors and improve the customers experience. Not only are we focused on ease of doing business and top-notch service, Safety also focuses on doing all we can to ensure clients have the skills to avoid dangerous driving situations and keep their loved ones safe whenever they are on the road. Through our unique partnership with Safe Roads Alliance and In Control Crash Prevention, Safety Insurance keeps customers informed about issues affecting driver safety and helps ensure that all drivers have the experience they need to handle the most challenging driving situations.

What discounts does Safety Insurance offer?

  • Excellent Driver Plus Discount: This discount for drivers could save them up to 24 percent if they have had no accidents or incidents within the past six years.
  • Excellent Driver Discount: Drivers could save up to 10 percent if they have had no accidents or incidents within the past five years.
  • Safe Roads Alliance: Policyholders who participate in the In-Control Crash Prevention program and become members of - Safe Roads Alliance could receive a group discount of 5 percent.
  • Multi-Policy Discounts: Policyholders could save up to 10 percent when bundling multiple policies.
  • Multi-Car Discount: You can save up to 10 percent by insuring multiple cars with Safety Auto Insurance.
  • Good Student Discount: Students with a “B” average or better, students on the dean's list, or students on the honor roll are eligible for a 10 percent discount. A great way for a teenage driver to save on their insurance payment if they qualify.
  • Away At School Discount: Students who are away at school more than 100 miles from home and without regular access to a vehicle are eligible for a 10 percent discount.
  • E-Customer Discount: Save up to 7 percent on your policy when you qualify for an account credit or a multi-car discount and select electronic policy issuance.
  • Loyalty Discount: Customers can receive a 4 percent discount for continuous years insured with Safety or their agent.

What coverages does Safety Insurance Company offer?

You can find more ways to enhance your policy to guarantee you're protected whether you live in Massachusetts, New Hampshire, or Maine. The company offers additional policies with options to customize your coverage to best fit your needs.

What are the insurer's additional auto coverage options?

Safety Shield:

  • Disappearing Collision Deductible (MA)
  • Collision Waiver of Deductible (NH, ME)
  • Full Glass Coverage (NH, ME)
  • Rental Vehicle Loss of Income Coverage (MA)
  • Guaranteed Replacement Cost (MA, NH, ME)
  • Personal Effects (MA)
  • Emergency Road Travel Expenses (MA, NH, ME)
  • Airbag mechanical failure/coverage (MA, NH, ME)
  • Supplemental Towing and Labor (MA)
  • Transportation expenses (NH, ME)

Safety Shield Plus (only in MA):

  • Accident Forgiveness
  • Expanded Personal Effects Coverage
  • Pet Coverage
  • Seat Belt Coverage
  • Bail Bonds

What additional homeowners coverage options are available?

Cyber Home Protection: This coverage protects individuals and families from losses such as stolen data on personal computers, mobile devices, and other connected technology. (MA, NH, ME)

Below is a list of other coverage options offered.

Specialty Coverage

Business insurance

Specialty Coverage

Commercial auto insurance

Specialty Coverage

Commercial property

Specialty Coverage

Construction - Commercial

Specialty Coverage


Specialty Coverage

Inland Marine Coverage

Specialty Coverage

Refrigerated contents/food spoilage

What more can I learn about safety?

The website provides information regarding company offerings, access to agents, driver safety information, and more.

In addition, the Safety mobile app gives iPhone and Android users access to their accounts. Here they can pay bills, report a home or auto claim, view their car insurance card, access their agent's contact information, view the history of their home and auto claims, receive alerts, and other features all through the Safety app on their phone.

The VIP claims centers provide a way to repair vehicles by dropping off at the selected location without an appointment and picking it up repaired usually less than a week later.

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!

Safety Insurance Company mission

The key to our success: Service. The key to our customers success: Safety.

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