{"id":45718,"date":"2025-01-08T10:14:04","date_gmt":"2025-01-08T18:14:04","guid":{"rendered":"https:\/\/getjerry.com\/?p=45718"},"modified":"2025-02-21T12:26:24","modified_gmt":"2025-02-21T20:26:24","slug":"safeco","status":"publish","type":"reviews","link":"https:\/\/jerry.ai\/reviews\/car-insurance\/safeco\/","title":{"rendered":"Safeco Car Insurance Review 2025"},"content":{"rendered":"\n<div class=\"wp-block-jerry-carrier-reviews-survey-summary\">\n  <div class=\"before:bg-primary relative overflow-hidden rounded-xl border border-zinc-200 before:absolute before:block before:h-[9px] before:w-full before:content-['_']\">\n    <div class=\"flex flex-col gap-4 px-6 pb-12 pt-6 md:gap-8 md:px-7 md:pt-10\">\n      <!-- title -->\n      <div class=\"font-circular text-xl font-bold text-gray-900 md:text-3xl\">\n              <\/div>\n\n      <div class=\"flex flex-col items-start justify-start gap-6 md:flex-row md:gap-5\">\n        <div class=\"flex w-full grow flex-col items-start gap-6 md:gap-4\">\n          <!-- carrier image -->\n          <div class=\"flex aspect-[2\/1] w-full items-center justify-center overflow-hidden rounded-md border border-zinc-200 p-3 md:aspect-[25\/14] md:w-[200px]\">\n                          <img decoding=\"async\"\n                class=\"max-h-full max-w-full\"\n                src=\"\/wp-content\/uploads\/2024\/08\/safeco-1.png\"\n                alt=\"Safeco\"\n              fetchpriority=\"low\" loading=\"lazy\"\/>\n                      <\/div>\n\n          <div class=\"flex flex-row items-center gap-3\">\n            <!-- carrier rating -->\n            <div class=\"font-body text-6xl font-semibold text-gray-900 md:text-[44px]\">\n              4.3            <\/div>\n\n            <div class=\"flex flex-col justify-end gap-1.5 md:gap-1\">\n              <!-- carrier stars -->\n              <div class=\"flex space-x-1 space-x-1.5\"><span class=\"iconify i--star text-lg md:text-sm text-primary\"><\/span><span class=\"iconify i--star text-lg md:text-sm text-primary\"><\/span><span class=\"iconify i--star text-lg md:text-sm text-primary\"><\/span><span class=\"iconify i--star text-lg md:text-sm text-primary\"><\/span><div class=\"relative inline-block leading-[0]\">\n  <span class=\"iconify i--star text-lg md:text-sm text-gray-400\"><\/span>\n  <span class=\"iconify i--star text-lg md:text-sm text-primary absolute inset-0\" style=\"clip-path: inset(0 70% 0 0);\"><\/span>\n<\/div><\/div>\n              <!-- carrier stars description -->\n              <div class=\"font-circular text-base font-medium text-gray-900 md:text-xs\">\n                Jerry&#8217;s Score              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"flex shrink flex-col gap-6\">\n          <!-- summary -->\n          <div class=\"flex flex-col gap-3\">\n            <!-- summary title -->\n            <div class=\"font-circular text-xl font-bold text-gray-900 md:text-2xl md:leading-6\">\n              Our take            <\/div>\n            <!-- summary content -->\n            <div class=\"font-circular text-base font-normal text-gray-600\">\n              Safeco offers auto insurance that may be ideal for drivers seeking a no-frills policy with a low rate.            <\/div>\n          <\/div>\n\n          <!-- pros & cons -->\n          <div class=\"flex flex-col gap-7 md:flex-row md:gap-6\">\n            <!-- pros -->\n            <div class=\"flex flex-1 flex-col gap-3 md:gap-4\">\n              <!-- pros title -->\n              <div class=\"flex flex-row items-center gap-3 border-b border-zinc-200 pb-4 md:pb-5\">\n                <span class=\"iconify i--thumb-up text-primary text-2xl\"><\/span>\n                <div class=\"font-circular text-xl font-bold text-gray-900 md:text-2xl md:leading-6\">\n                  Pros                <\/div>\n              <\/div>\n\n              <!-- pros content -->\n              <ul class=\"!m-0 flex list-disc flex-col gap-4 !pl-6\">\n                                  <li class=\"marker:text-primary\">\n                    <span class=\"font-circular relative left-2 text-base text-gray-600 md:text-sm md:leading-4\">Guarantees repairs made within the insurer\u2019s network.<\/span>\n                  <\/li>\n                                  <li class=\"marker:text-primary\">\n                    <span class=\"font-circular relative left-2 text-base text-gray-600 md:text-sm md:leading-4\">Typically below-average rates.<\/span>\n                  <\/li>\n                                  <li class=\"marker:text-primary\">\n                    <span class=\"font-circular relative left-2 text-base text-gray-600 md:text-sm md:leading-4\">Relatively high financial strength rating.<\/span>\n                  <\/li>\n                              <\/ul>\n            <\/div>\n\n            <!-- cons -->\n            <div class=\"flex flex-1 flex-col gap-3 md:gap-4\">\n              <!-- cons title -->\n              <div class=\"flex flex-row items-center gap-3 border-b border-zinc-200 pb-4 md:pb-5\">\n                <span class=\"iconify i--thumb-down text-primary text-2xl\"><\/span>\n                <div class=\"font-circular text-xl font-bold text-gray-900 md:text-2xl md:leading-6\">\n                  Cons                <\/div>\n              <\/div>\n\n              <!-- cons content -->\n              <ul class=\"!m-0 flex list-disc flex-col gap-4 !pl-6\">\n                                  <li class=\"marker:text-primary\">\n                    <span class=\"font-circular relative left-2 text-base text-gray-600 md:text-sm md:leading-4\">Higher-than-expected consumer complaints.<\/span>\n                  <\/li>\n                                  <li class=\"marker:text-primary\">\n                    <span class=\"font-circular relative left-2 text-base text-gray-600 md:text-sm md:leading-4\">Poor J.D. Power ratings.<\/span>\n                  <\/li>\n                                  <li class=\"marker:text-primary\">\n                    <span class=\"font-circular relative left-2 text-base text-gray-600 md:text-sm md:leading-4\">Discounts and optional coverages may be limited.<\/span>\n                  <\/li>\n                              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<p><em>Starting in 2026, Safeco owner Liberty Mutual will sunset the Safeco brand and do business exclusively under the Liberty Mutual name, according to a March 2025 <a href=\"https:\/\/www.libertymutualgroup.com\/about-lm\/news\/articles\/liberty-mutual-insurance-adopt-single-brand-sales-and-marketing-strategy-all-personal-lines-products-2026\" target=\"_blank\" rel=\"noopener\">press release<\/a>. Liberty Mutual says the change won&#8217;t affect Safeco customers&#8217; policies or agent relationships, but the name on policyholders&#8217; insurance documents will change.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"full-review\">Safeco car insurance review<\/h2>\n\n\n\n<p>Jerry rates Safeco 4.3 stars out of 5. This score accounts for the insurer\u2019s pricing, industry ratings, customer ratings, financial strength and national complaint data.<\/p>\n\n\n\n<p>Safeco is owned by Liberty Mutual and provides <a href=\"\/car-insurance\/\">auto insurance<\/a> in all 50 states and Washington, D.C. The insurer receives high marks from Jerry customers and has a solid financial strength rating. Premium costs are below average compared to other insurers, according to Jerry\u2019s quote data.<\/p>\n\n\n\n<p>Claims appear to be an area where Safeco struggles to perform well. The company received a D+ from the CRASH Network\u2019s insurer report card, which asks repair shops to assess insurers\u2019 claims handling procedures. Safeco is also ranked below average in J.D. Power\u2019s insurance shopping study. However, for those who do <a href=\"\/car-insurance\/car-insurance-claim\/\" data-type=\"car-insurance\" data-id=\"23084\">file a claim<\/a>, the insurer guarantees repairs made at shops within its network.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-for\">Who is Safeco best for?<\/h2>\n\n\n\n<p>Safeco is best for drivers looking for affordable, no-frills coverage with few customization options. It\u2019s worth getting a quote from Safeco if you\u2019ve let <a href=\"\/car-insurance\/insurance-lapse\/\" data-type=\"car-insurance\" data-id=\"6300\">coverage lapse<\/a> or have recent claims or violations because you may get a <a href=\"\/car-insurance\/average-car-insurance\/\">lower rate<\/a> than you would with another insurer.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">Jerry finds quotes from 50 insurance partners fast.<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">COMPARE QUOTES<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cost\">How much does Safeco car insurance cost?<\/h2>\n\n\n\n<p>The average cost for the state-mandated minimum car insurance with Safeco is typically cheaper than the national average, according to our analysis of over 400,000 policies quoted to real Jerry customers from 24 unique insurers.<\/p>\n\n\n\n<p>Your premium is determined by a number of <a href=\"\/car-insurance\/how-is-car-insurance-calculated\/\">factors<\/a>, including your age, location, vehicle, driving record, other drivers on your policy and the amount of coverage you choose.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rates\">Safeco car insurance rates<\/h2>\n\n\n\n<p>Here\u2019s a look at Safeco\u2019s car insurance rates quoted for real Jerry customers.<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;averagePremiumAfterJerry&quot;:&quot;$830&quot;,&quot;carMakeAndBaseModelAndSubModel&quot;:&quot;Nissan Versa Note S &quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;,&quot;quotingAt&quot;:&quot;12\\\/10\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$140&quot;,&quot;carMakeAndBaseModelAndSubModel&quot;:&quot;RAM Ram Truck 1500 St Crew Pickup&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;,&quot;quotingAt&quot;:&quot;12\\\/10\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$157&quot;,&quot;carMakeAndBaseModelAndSubModel&quot;:&quot;Honda Civic Lx Sedan 4DR FWD&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;,&quot;quotingAt&quot;:&quot;12\\\/10\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$55&quot;,&quot;carMakeAndBaseModelAndSubModel&quot;:&quot;Ford Ranger &quot;,&quot;fullCoverage&quot;:&quot;No&quot;,&quot;quotingAt&quot;:&quot;12\\\/10\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$44&quot;,&quot;carMakeAndBaseModelAndSubModel&quot;:&quot;Toyota Corolla Hatchback Se &quot;,&quot;fullCoverage&quot;:&quot;No&quot;,&quot;quotingAt&quot;:&quot;12\\\/10\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$754&quot;,&quot;carMakeAndBaseModelAndSubModel&quot;:&quot;Ford Mustang Dark Horse Pillard Hardtop 2DR&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;,&quot;quotingAt&quot;:&quot;12\\\/10\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$188&quot;,&quot;carMakeAndBaseModelAndSubModel&quot;:&quot;Acura RDX A-SPEC 4DR Wagon\\\/Sport Utility 4WD&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;,&quot;quotingAt&quot;:&quot;12\\\/10\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$178&quot;,&quot;carMakeAndBaseModelAndSubModel&quot;:&quot;INFINITI QX80 4DR Wagon\\\/Sport Utility&quot;,&quot;fullCoverage&quot;:&quot;No&quot;,&quot;quotingAt&quot;:&quot;12\\\/10\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$93&quot;,&quot;carMakeAndBaseModelAndSubModel&quot;:&quot;Jeep Grand Cherokee L Lar 4DR Wagon\\\/Sport Utility&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;,&quot;quotingAt&quot;:&quot;12\\\/10\\\/25&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$198&quot;,&quot;carMakeAndBaseModelAndSubModel&quot;:&quot;Tesla Model X 4DR Wagon\\\/Sport Utility 4WD&quot;,&quot;fullCoverage&quot;:&quot;Yes&quot;,&quot;quotingAt&quot;:&quot;12\\\/10\\\/25&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Car Make Model Trim  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Has Full Coverage  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Date of Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Car Make Model Trim  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Has Full Coverage  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Date of Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModelAndSubModel\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$830<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModelAndSubModel\">Nissan Versa Note S <\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">12\/10\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$140<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModelAndSubModel\">RAM Ram Truck 1500 St Crew Pickup<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">12\/10\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$157<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModelAndSubModel\">Honda Civic Lx Sedan 4DR FWD<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">12\/10\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$55<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModelAndSubModel\">Ford Ranger <\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">No<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">12\/10\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$44<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModelAndSubModel\">Toyota Corolla Hatchback Se <\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">No<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">12\/10\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$754<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModelAndSubModel\">Ford Mustang Dark Horse Pillard Hardtop 2DR<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">12\/10\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$188<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModelAndSubModel\">Acura RDX A-SPEC 4DR Wagon\/Sport Utility 4WD<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">12\/10\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$178<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModelAndSubModel\">INFINITI QX80 4DR Wagon\/Sport Utility<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">No<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">12\/10\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$93<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModelAndSubModel\">Jeep Grand Cherokee L Lar 4DR Wagon\/Sport Utility<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">12\/10\/25<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$198<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.carMakeAndBaseModelAndSubModel\">Tesla Model X 4DR Wagon\/Sport Utility 4WD<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.fullCoverage\">Yes<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.quotingAt\">12\/10\/25<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 11, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"discounts\">Safeco car insurance discounts<\/h2>\n\n\n\n<p>Safeco advertises far fewer discounts than some competitors, and some may not be available depending on your state. Here\u2019s how drivers can save:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Claims-free discount:<\/strong> Safeco refunds 2.5% of the total premium cost if you don\u2019t file a claim during your most recent six-month review period, up to 5% per year.<\/li>\n\n\n\n<li><strong>Diminishing deductible: <\/strong>Your <a href=\"\/car-insurance\/car-insurance-deductible\/\" data-type=\"car-insurance\" data-id=\"5056\">deductible<\/a>, if your policy has one, will decrease at each renewal if you remain claim-free. The reduction is $50 on six-month policies and $100 on annual policies, with a maximum reduction of $500.<\/li>\n<\/ul>\n\n\n\n<p>Safeco also offers accident forgiveness, meaning the company will waive your first accident after a certain number of years without an <a href=\"\/car-insurance\/at-fault-accident\/\" data-type=\"car-insurance\" data-id=\"1391\">at-fault accident<\/a> or violation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does Safeco offer insurance based on driving behavior?<\/h3>\n\n\n\n<p>Yes, in most states. Safeco\u2019s Right Track app allows the insurer to track drivers\u2019 behavior behind the wheel and adjusts policy costs accordingly. The provider says drivers receive an automatic 10% discount at sign-up and can reduce their premium up to 30% by participating.<\/p>\n\n\n\n<p>Unlike some other <a href=\"\/car-insurance\/what-is-telematics\/\">telematics<\/a> programs, which may monitor driving behavior for the full policy term, Right Track only tracks behavior for 90 days. During that time, the app takes in the following factors to help adjust the rate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Total miles driven.<\/li>\n\n\n\n<li>Trips between midnight and 4 a.m.<\/li>\n\n\n\n<li>Braking and accelerating.<\/li>\n<\/ul>\n\n\n\n<p>At the end of the 90-day review period, Safeco provides a final driving score and finalizes the <a href=\"\/car-insurance\/car-insurance-discounts\/\" data-type=\"car-insurance\" data-id=\"6857\">discount<\/a>, which may be less than the initial 10%. In that case, you must pay the difference.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"coverage-options\">Safeco car insurance coverage options<\/h2>\n\n\n\n<p>Safeco offers standard coverage types including collision, comprehensive, bodily injury liability, property damage liability, medical payments, personal injury protection and uninsured\/underinsured motorist coverage.<\/p>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Coverage definitions      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Coverage<\/th><th class=\"has-text-align-left\" data-align=\"left\">Definition<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/collision-insurance\/\">Collision insurance<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">An optional coverage type that pays to repair or replace your car if it\u2019s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle\u2019s repairs if your policy has collision coverage.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/comprehensive-insurance\/\">Comprehensive insurance<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/bodily-injury-liability\/\"><\/a><a href=\"\/car-insurance\/bodily-injury-liability\/\">Bodily injury liability (BI)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Pays others\u2019 medical costs in an accident you cause, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\"><\/a><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\">Property damage liability (PD)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal injury protection (PIP)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payments<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\"><\/a><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/underinsured motorist coverage (UM\/UIM)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn\u2019t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<p>Safeco also provides the following additional coverage options:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>New vehicle replacement<\/strong> kicks in if you\u2019re the original owner of a car that\u2019s stolen or totaled before the one-year mark. If that happens, Safeco will pay the value of a comparable new car.<\/li>\n\n\n\n<li><strong>Rental car reimbursement<\/strong> pays for a rental car while yours is being repaired after a covered accident.<\/li>\n\n\n\n<li><strong>Roadside assistance<\/strong> covers the cost of towing, gas and oil delivery, a locksmith, and other types of on-the-road help.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"industry-ratings\">Industry ratings of Safeco car insurance<\/h2>\n\n\n\n<p>Safeco performs poorly across industry reports, with a higher-than-expected number of consumer complaints and a low rating from J.D. Power and the CRASH Network. AM Best gives the insurer high marks for financial strength, though.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Rating<\/th><th class=\"has-text-align-left\" data-align=\"left\">Safeco&#8217;s score<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">NAIC consumer complaint index<\/td><td class=\"has-text-align-left\" data-align=\"left\">Moderately high (poor).<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">CRASH Network report card<\/td><td class=\"has-text-align-left\" data-align=\"left\">D+.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">J.D. Power auto insurance shopping study<\/td><td class=\"has-text-align-left\" data-align=\"left\">No. 15 of 17.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">J.D. Power auto insurance claims study<\/td><td class=\"has-text-align-left\" data-align=\"left\">No. 16 of 21.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">AM Best<\/td><td class=\"has-text-align-left\" data-align=\"left\">A.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        NAIC      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Safeco had a somewhat high complaint index on its private passenger policies with the National Association of Insurance Commissioners (NAIC) from 2021 to 2023, meaning it had more complaints than expected for a company of its size.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Qualitative rating<\/th><th class=\"has-text-align-left\" data-align=\"left\">3-year consumer complaint index<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">High<\/td><td class=\"has-text-align-left\" data-align=\"left\">Above 1.5.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Moderately high<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 to 1.5.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">About average<\/td><td class=\"has-text-align-left\" data-align=\"left\">Near 1.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Moderately low<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 to 0.5.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Low<\/td><td class=\"has-text-align-left\" data-align=\"left\">0.5 to 0.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em><em>The <\/em><a href=\"https:\/\/content.naic.org\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>NAIC<\/em><\/a><em> is the member group for state insurance commissioners in the United States. It makes recommendations, analyzes insurer financial filings, maintains reporting and more for insurance regulators.<\/em><\/em><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        CRASH Network      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>CRASH Network, an automotive industry trade publication, gives Safeco a D+ on its 2024 Insurer Report Card. The report card grades the insurer together with its parent company, Liberty Mutual. The report card asks more than 1,000 collision repair professionals across the United States \u201chow well an insurer\u2019s claims handling policies, attitude and payment practices ensure quality repairs and customer service for drivers.\u201d<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Safeco is ranked No. 78 out of 88 insurers rated.<\/p>\n\n\n<div class=\"infogram-embed\" data-id=\"4a00365e-7817-4e26-b951-deb551d67e3e\" data-type=\"interactive\" data-title=\"CRASH Ratings\"><\/div><script>window.addEventListener('DOMContentLoaded',()=>{!function(e,n,i,s){var d=\"InfogramEmbeds\";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,\"script\",\"infogram-async\",\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");})<\/script>\n\n\n<p><em>In 2024, the CRASH Network\u2019s survey received responses from 1,134 repair professionals. Insurers that received a grade from at least 35 respondents were included in the 2024 report card. Read more about the report card methodology on <\/em><a href=\"https:\/\/www.crashnetwork.com\/irc\/02moreinfo.php\" target=\"_blank\" rel=\"noreferrer noopener\"><em>the CRASH Network\u2019s website<\/em><\/a><em>.<\/em><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        J.D. Power      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Safeco ranks below-average in J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-shopping-study\" target=\"_blank\" rel=\"noreferrer noopener\">2024 Insurance Shopping Study<\/a> and its <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-claims-satisfaction-study\" target=\"_blank\" rel=\"noreferrer noopener\">2024 Auto Claims Satisfaction Study<\/a>. The insurer came in at No. 15 out of 17 in the shopping study with a score of 646 out of 1,000 and landed at No. 16 of 21 in the claims satisfaction study with a score of 687 out of 1,000.<\/p>\n\n\n<div class=\"infogram-embed\" data-id=\"27829bb8-88cc-4c33-9535-2f27269e9a5b\" data-type=\"interactive\" data-title=\"J.D. Power Rankings\"><\/div><script>window.addEventListener('DOMContentLoaded',()=>{!function(e,n,i,s){var d=\"InfogramEmbeds\";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,\"script\",\"infogram-async\",\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");})<\/script>\n\n\n<p><em>J.D. Power is a market research company that evaluates customer satisfaction and industry performance across multiple sectors.<\/em><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        AM Best      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>AM Best gives Safeco a financial strength rating of A, meaning it has an excellent ability to pay out claims. The highest score an insurer can receive is A++.<\/p>\n\n\n<div class=\"infogram-embed\" data-id=\"b36e2270-b29e-40e0-ac60-af935e32ea74\" data-type=\"interactive\" data-title=\"AM Best Ratings\"><\/div><script>window.addEventListener('DOMContentLoaded',()=>{!function(e,n,i,s){var d=\"InfogramEmbeds\";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,\"script\",\"infogram-async\",\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");})<\/script>\n\n\n<p><a href=\"https:\/\/web.ambest.com\/home\" target=\"_blank\" rel=\"noreferrer noopener\"><em>AM Best<\/em><\/a><em> is a credit rating agency that specializes in insurers\u2019 ability to meet their financial obligations.<\/em><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"customer-reviews\">Safeco auto insurance customer reviews<\/h2>\n\n\n\n<p>Hundreds of Jerry customers have used and reviewed Safeco\u2019s auto insurance and have given the company a good overall score.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-jerry-carrier-reviews-survey-results\">\n  <div class=\"flex flex-col gap-4 md:gap-5 mb-4\">\n    <div class=\"flex flex-col gap-2\">\n      <!-- title -->\n      <div class=\"font-circular text-2xl font-medium\">\n              <\/div>\n\n      <!-- description -->\n      <div class=\"font-circular text-base\">\n              <\/div>\n    <\/div>\n\n    <!-- card -->\n    <div class=\"flex flex-col gap-5 rounded-2xl border border-zinc-300 md:flex-row\">\n      <!-- carrier image & average rating -->\n      <div class=\"flex flex-col items-center gap-6 md:gap-3 md:px-4 md:pb-7\">\n        <!-- carrier image -->\n        <div class=\"flex w-full items-center justify-center border-b border-zinc-300 p-3\">\n          <div class=\"flex aspect-[2\/1] w-[240px] items-center justify-center overflow-hidden md:aspect-[18\/7] md:w-[180px]\">\n                          <img decoding=\"async\"\n                class=\"max-h-full max-w-full\"\n                src=\"\/wp-content\/uploads\/2024\/08\/safeco-1.png\"\n                alt=\"Safeco\"\n              fetchpriority=\"low\" loading=\"lazy\"\/>\n                      <\/div>\n        <\/div>\n\n        <!-- average rating -->\n        <div class=\"flex flex-col gap-3 items-center\">\n          <div class=\"font-body text-8xl font-semibold leading-[90px] md:text-7xl\">\n            4.4          <\/div>\n\n          <div class=\"flex space-x-1 space-x-2\"><span class=\"iconify i--star text-base text-primary\"><\/span><span class=\"iconify i--star text-base text-primary\"><\/span><span class=\"iconify i--star text-base text-primary\"><\/span><span class=\"iconify i--star text-base text-primary\"><\/span><div class=\"relative inline-block leading-[0]\">\n  <span class=\"iconify i--star text-base text-gray-400\"><\/span>\n  <span class=\"iconify i--star text-base text-primary absolute inset-0\" style=\"clip-path: inset(0 60.95406360424% 0 0);\"><\/span>\n<\/div><\/div>\n          <div class=\"font-body text-base text-gray-600\">\n            566 Reviews\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <!-- ratings -->\n      <div class=\"flex flex-1 flex-col items-center gap-5 px-8 pb-14 md:items-start md:pb-6 md:pl-0 md:pt-8\">\n        <!-- ratings title -->\n        <div class=\"font-circular hidden text-2xl font-medium text-gray-900 md:block\">\n          C        <\/div>\n\n        <!-- ratings bars -->\n        <div class=\"flex w-full flex-col gap-3.5\">\n                                  <div class=\"font-body flex flex-row items-center gap-2.5 text-base text-gray-600 md:gap-3.5\">\n              <div class=\"w-14\">\n                5 Stars              <\/div>\n              <div class=\"relative h-3 flex-1 shrink overflow-hidden rounded-full bg-slate-100\">\n                <div class=\"bg-primary absolute h-full rounded-full\" style=\"width: 66.60777385159%\"><\/div>\n              <\/div>\n              <div class=\"w-10\">\n                67%\n              <\/div>\n            <\/div>\n                                  <div class=\"font-body flex flex-row items-center gap-2.5 text-base text-gray-600 md:gap-3.5\">\n              <div class=\"w-14\">\n                4 Stars              <\/div>\n              <div class=\"relative h-3 flex-1 shrink overflow-hidden rounded-full bg-slate-100\">\n                <div class=\"bg-primary absolute h-full rounded-full\" style=\"width: 16.60777385159%\"><\/div>\n              <\/div>\n              <div class=\"w-10\">\n                17%\n              <\/div>\n            <\/div>\n                                  <div class=\"font-body flex flex-row items-center gap-2.5 text-base text-gray-600 md:gap-3.5\">\n              <div class=\"w-14\">\n                3 Stars              <\/div>\n              <div class=\"relative h-3 flex-1 shrink overflow-hidden rounded-full bg-slate-100\">\n                <div class=\"bg-primary absolute h-full rounded-full\" style=\"width: 10.070671378092%\"><\/div>\n              <\/div>\n              <div class=\"w-10\">\n                10%\n              <\/div>\n            <\/div>\n                                  <div class=\"font-body flex flex-row items-center gap-2.5 text-base text-gray-600 md:gap-3.5\">\n              <div class=\"w-14\">\n                2 Stars              <\/div>\n              <div class=\"relative h-3 flex-1 shrink overflow-hidden rounded-full bg-slate-100\">\n                <div class=\"bg-primary absolute h-full rounded-full\" style=\"width: 2.6501766784452%\"><\/div>\n              <\/div>\n              <div class=\"w-10\">\n                3%\n              <\/div>\n            <\/div>\n                                  <div class=\"font-body flex flex-row items-center gap-2.5 text-base text-gray-600 md:gap-3.5\">\n              <div class=\"w-14\">\n                1 Star              <\/div>\n              <div class=\"relative h-3 flex-1 shrink overflow-hidden rounded-full bg-slate-100\">\n                <div class=\"bg-primary absolute h-full rounded-full\" style=\"width: 4.0636042402827%\"><\/div>\n              <\/div>\n              <div class=\"w-10\">\n                4%\n              <\/div>\n            <\/div>\n                  <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- footer description -->\n    <div class=\"font-circular text-base text-slate-500 pb-4\">\n      Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"contact\">How to contact Safeco<\/h2>\n\n\n\n<p>The insurer encourages existing policyholders to manage their policies online and contact their local agent for policy questions. Prospective customers can find an agent on the insurer\u2019s website (<a href=\"https:\/\/www.safeco.com\/find-an-agent\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.safeco.com\/find-an-agent<\/a>).<\/p>\n\n\n\n<p>Safeco\u2019s customer service and claims number is 800-332-3226.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How we rate car insurance companies<\/h3>\n\n\n\n<p>Jerry\u2019s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer\u2019s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops\u2019 evaluations of insurers, policy and quote pricing, and state availability.<\/p>\n\n\n\n<p>We regularly reassess insurers\u2019 star ratings and fact-check these reviews to ensure they\u2019re accurate and up-to-date.<br>These individual factors roll up into one weighting system as follows:<br>20% Financial strength.<br>20% Complaints.<br>20% Industry ratings.<br>20% Customer ratings.<br>20% Cost and discounts.<\/p>\n\n\n<div class=\"infogram-embed\" data-id=\"d90dc561-6db9-4e6c-830b-45df4dfa0d8c\" data-type=\"interactive\" data-title=\"Methodology\"><\/div><script>window.addEventListener('DOMContentLoaded',()=>{!function(e,n,i,s){var d=\"InfogramEmbeds\";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,\"script\",\"infogram-async\",\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");})<\/script>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png 250w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-150x150.png 150w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-56x56.png 56w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Annie Millerbernd            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by <a href=\"https:\/\/scholarlycommons.law.northwestern.edu\/cgi\/viewcontent.cgi?article=1455&amp;context=nulr\" target=\"_blank\" rel=\"noopener\">Northwestern University<\/a> and <a href=\"https:\/\/www.hks.harvard.edu\/sites\/default\/files\/centers\/mrcbg\/214_AWP_final_2.pdf\" target=\"_blank\" rel=\"noopener\">Harvard Kennedy School<\/a>. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.<\/p>\n<p>Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor&rsquo;s degree in journalism from the University of Minnesota.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png 250w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-150x150.png 150w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-56x56.png 56w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Ben Moore            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet&rsquo;s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.<\/p>\n<p>Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela&rsquo;s, H&amp;R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Starting in 2026, Safeco owner Liberty Mutual will sunset the Safeco brand and do business exclusively under the Liberty Mutual name, according to a March 2025 press release. Liberty Mutual says the change won&#8217;t affect Safeco customers&#8217; policies or agent relationships, but the name on policyholders&#8217; insurance documents will change. Safeco car insurance review Jerry [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":45593,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-reviews","meta":{"jerry_authors":"[{\"id\":\"370\",\"type\":\"main-author\"},{\"id\":\"375\",\"type\":\"main-author\"}]","jerry_author_ids":[370,375],"jerry_idx_page_label":"","jerry_meta_desc":"Safeco car insurance offers some perks, such as rewards for a claim-free record and guaranteed repairs, but its reputation for handling claims is somewhat poor.","jerry_related_posts":"[25520,28679,34397,6796,22703]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[645],"tags":[31],"class_list":["post-45718","reviews","type-reviews","status-publish","has-post-thumbnail","hentry","category-car-insurance","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews\/45718","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/reviews"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=45718"}],"version-history":[{"count":28,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews\/45718\/revisions"}],"predecessor-version":[{"id":57040,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews\/45718\/revisions\/57040"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/45593"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=45718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=45718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=45718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}