Safety Car Insurance Review
Safety has great rates and good coverage options but below-average customer service.
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Editor's Rating
Pros and cons
Pros
Low prices
Discounts for safe drivers
Cons
Poor customer service
Can't buy a policy online
Only available in 3 states
Safety car insurance quotes
Car insurance rates from Safety Insurance are low. It costs an average of $36 per month for a minimum coverage policy, which is similar to other cheap insurers. And it costs $90 per month for full coverage, which is much cheaper than other companies.
This makes Safety Insurance an excellent choice for those looking for cheap car insurance.
Full coverage
Minimum coverage
Full coverage
Minimum coverage
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The cost of Safety Insurance is low for many types of drivers, but if you have a speeding ticket or car accident on your record, Geico may be slightly cheaper.
Insurance companies set their rates based on a wide range of factors, which is why comparing a few cheap companies is the best way to help you find the best deal for your situation.
Safety Insurance rates vs. competitors
Full coverage
Minimum coverage
Company | Monthly cost | |
|---|---|---|
| Safety | $90 |
| Geico | $116 |
| Progressive | $130 |
| Farmers | $141 |
| Hanover | $144 |
Full coverage
Company | Monthly cost | |
|---|---|---|
|
| Safety | $90 |
|
| Geico | $116 |
|
| Progressive | $130 |
|
| Farmers | $141 |
|
| Hanover | $144 |
Minimum coverage
Company | Monthly cost | |
|---|---|---|
|
| Safety | $36 |
|
| Geico | $44 |
|
| Progressive | $76 |
|
| Farmers | $35 |
|
| Hanover | $32 |
Safety Insurance is only available through agents, so you won't be able to buy a policy online or directly from the insurance company.
Discounts offered by Safety Insurance
Safety Insurance offers a strong selection of car insurance discounts. In particular, people with a clean driving record for six years could save 24% off of their base price. This means the cost for full coverage could be as low as $68 per month.
Safety Insurance discounts
- Up to 24% for six years without a crash or incident
- Up to 10% for five years without a crash or incident
- Up to 10% if you have multiple policies
- 10% for students with at least a B average
- 10% for students who are away at school without a car
- Up to 7% if you pay electronically
- 5% for those who take crash prevention training
- Up to 5% if you show good driving behaviors via a telematics phone app
- Up to 4% loyalty discount
Discounts can only lower rates so much, so check how they would work with your insurance quotes. You may find that your rates are lowest at a company that doesn't offer many discounts.
Safety auto insurance coverage
Safety Insurance offers a good set of insurance options beyond the basic coverage for liability, comprehensive and collision.
Add-on coverage is available through the Safety Shield package, which includes:
- Guaranteed replacement cost
- Supplemental towing and labor
- Personal effects
- Emergency road travel expenses
- Rental vehicle loss of income coverage
- Air bag mechanical failure
- Disappearing collision deductible
In Massachusetts, the company also offers a Safety Shield Plus package, which includes accident forgiveness , pet coverage , seat belt coverage , bail bonds and expanded personal effect coverage.
Safety also has what it calls VIP Claims Centers outside of Boston where, after an accident, you have the option to drop off your car for the damage to be appraised and repaired. This lets you streamline the claims process so all you have to do is pick up the car when it's ready, usually within a week.
Gap insurance is available to cover the difference between how much you owe on your car loan or lease and the car's value if it's totaled. This type of coverage is often required if you lease or finance a car.
Safety Insurance primarily offers car insurance policies. However, Safety also has several other kinds of coverage.
- Home insurance
- Fire insurance
- Umbrella insurance
- Business insurance
Home insurance rates from Safety are cheaper than average. But the cheapest home insurance companies in Massachusetts are Quincy Mutual, Vermont Mutual and Arabella.
Customer service reviews and ratings
Safety Insurance has below-average customer service across several ratings. The company ranked in the bottom half of New England insurance companies for customer satisfaction, according to J.D. Power.
This dissatisfaction is mirrored by online reviews where complaints about customer service are an ongoing trend. Policyholders complain about long hold-times, delays in the claims process, not receiving callbacks and a generally difficult experience.
Despite this, there have been few formal complaints made to the National Association of Insurance Commissioners (NAIC) as compared to a typical insurance company of its size. This is a big improvement over the past few years.
Safety does have an "A" rating from AM Best, meaning it has an "excellent" ability to pay out insurance claims.
Safety Insurance customer service ratings
Agency | Rating |
|---|---|
| Customer satisfaction (J.D. Power) | Bottom half of companies |
| Complaints (NAIC) | 74% fewer complaints than average |
| Financial strength (AM Best) | A (excellent) |
If you're concerned about a difficult claims process, consider Geico, which has relatively cheap rates in New England while also having better customer satisfaction.
Frequently asked questions
Where can you get Safety Insurance?
Safety Insurance is available in Massachusetts, New Hampshire and Maine. The bulk of the company's business is in Massachusetts, where it's the state's fourth largest car insurance company. You can only buy a policy through an insurance agent.
How much is Safety car insurance?
Safety auto insurance policies are cheap — averaging $36 per month for minimum coverage and $90 per month for full coverage. Plus, the discounts offered by Safety Insurance can further reduce your rates.
Is Safety Insurance good?
Methodology
ValuePenguin's analysis is based on quotes for hundreds of Massachusetts cities from the top insurance companies in the state. Rates are for a single 30-year-old male with no recent car insurance claims or traffic citations, driving a 2015 Honda Civic EX.
Minimum coverage policies meet the minimum requirements of the state of Massachusetts. A full coverage policy includes comprehensive and collision coverage and more liability than the state minimum.
Coverage | Limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Personal injury protection | $8,000 |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
