Safeco Auto Insurance Review
Drivers who prefer working with an independent agent and want access to unique coverage options like Better Car Replacement.
Founded
1923
Headquarters
Seattle, WA
Market Share
0.9%
Avg. Annual Premium
$1,800
Financial Strength
Customer Rating
Website
safeco.com
Coverage Options
Safeco offers the following auto insurance coverage types. Availability may vary by state.
Available Discounts
Safeco offers 9 discount programs that can significantly reduce your premium. Eligibility and discount amounts vary by state.
Pros and Cons
Pros
- Sold exclusively through independent agents for personalized service
- Liberty Mutual subsidiary with strong financial backing
- Better Car Replacement option (one model year newer)
- Competitive rates through independent agent channel
Cons
- Cannot purchase directly (must use independent agent)
- Brand recognition is lower than parent company Liberty Mutual
- Coverage options vary by state
Who Is Safeco Best For?
Drivers who prefer working with an independent agent and want access to unique coverage options like Better Car Replacement.
Related Tools
Use these free calculators to estimate your auto insurance costs and compare coverage options.
Auto Insurance Calculator
Estimate your annual premium based on your driver profile, vehicle, and state.
CalculatorRate Stress Test
See how tickets, accidents, or credit changes would impact your rate.
CalculatorCoverage Builder
Build a custom coverage package and see how each option affects your premium.
CalculatorDeductible Optimizer
Find the deductible sweet spot that minimizes your total insurance costs.
Compare Auto Insurance Quotes
The best way to find a lower rate is to compare quotes from multiple carriers. Use our calculator to estimate your premium with Safeco and see how it stacks up.
Estimate Your Rate