Safety Car Insurance Review

Safety Car Insurance Review

Safety has great rates and good coverage options, but below-average customer service. 

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
No spam. No hassle. No hidden costs.
{"addHiddenFields":true,"buttonText":"Get Quotes","customEventLabel":"","defaultProduct":"auto","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--861","isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":"true","style":"dropshadow","tier":"default","title":"Find Cheap Auto Insurance Quotes in Your Area","trackingKey":"_safety-insurance-review","trustMessage":"No spam. No hassle. No hidden costs.","vendor":"vp"}
Safety

Editor's Rating

Safety Insurance, a regional insurer that operates in Massachusetts, New Hampshire and Maine, is an extremely affordable option for drivers in those states. Safety Insurance has a good selection of coverage options, too, but lackluster customer service keeps us from enthusiastically recommending it.

Good for
  • Price-focused New England drivers
  • Homeowners who want to bundle their auto and home insurance
Bad for
  • Insurance shoppers who value great customer service
  • People who want to buy online

Safety auto insurance coverage

We were very impressed with the coverage options at Safety Insurance. The company has two packages that offer a wide array of coverage going beyond the basics: Safety Shield and Safety Shield Plus.

The first, Safety Shield,, includes the following coverages, among others:

  • Guaranteed replacement cost
  • Supplemental towing and labor
  • Emergency travel expenses
  • Rental vehicle loss of income coverage
  • Airbag mechanical failure
  • Disappearing collision deductible

In addition, Safety offers a higher tier endorsement package called Safety Shield Plus, which includes the following (in addition to all the coverage options above):

  • Accident forgiveness
  • Expanded personal effects coverage
  • Pet coverage: Pays for veterinary expenses if your pet is injured or killed in a crash
  • Seat belt coverage: Pays $5,000 if someone is killed in a crash while wearing a seat belt
  • Bail bonds

Safety car insurance quotes

Get Quotes from Multiple Insurers Now

{"onCurrent":"true","product":"auto"}

Car insurance rates from Safety Insurance were impressively low. We found that the typical price was 60% less than competing insurers for a full coverage policy, and 52% less for the minimum amount of coverage. This makes Safety Insurance an excellent choice for those looking for cheap car insurance.

The typical rate for a full coverage policy was $1,014 per year, while the typical price for minimum coverage was $400 — cheaper than GEICO and almost half as expensive as major insurers such as Allstate.

graph comparing the cost of Safety car insurance vs. competitors for minimum coverage
graph comparing the cost of Safety car insurance vs. competitors for minimum coverage
graph comparing the cost of Safety car insurance vs. competitors for full coverage
graph comparing the cost of Safety car insurance vs. competitors for full coverage

Annual car insurance premiums: Safety vs. competitors

InsurerMinimum coverageFull coverage
Safety Insurance$400$1,014
Allsate$674$2,102
Arbella$1,235$3,198
GEICO$543$1,394
Plymouth Rock$1,319$5,014

Discounts available at Safety Insurance

Safety Insurance offers a strong selection of listed discounts. In particular, it offers a discount of up to 24% for drivers who have gone six years without an accident or traffic ticket. It also has a sizable bundle discount for combining your home and auto policies.

Safety Insurance discounts:

  • Excellent driver plus: Up to 24% for six years without a crash or incident
  • Excellent driver: Up to 10% for five years without a crash or incident
  • Crash prevention training
  • Bundle and multi-policy discount
  • Good student discount
  • Student away at school discount
  • E-customer discount
  • Loyalty discount

However, we always recommend caution when evaluating an insurer based on discounts. Insurance rates are different for every driver, and you may find that your rates are lowest at a company that doesn't offer many explicit discounts.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeAlign--root ShortcodeAlign--center\"\u003E\n \u003Cdiv class=\"ShortcodeAlign--container\"\u003E \n \u003Cstrong\u003EGet Quotes from Multiple Insurers Now\u003C\/strong\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003Cbr\u003E\n\u003Cdiv class=\"ShortcodeAlign--root ShortcodeAlign--center\"\u003E\n \u003Cdiv class=\"ShortcodeAlign--container\"\u003E \n \n\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-QuoteWizardZipCode\" data-component-name=\"QuoteWizardZipCode\"\u003E\n \u003Cdiv class=\"QuoteWizardZipCode--root\"\u003E\u003Cdiv class=\"QuoteWizardZipCode--form-container\"\u003E\u003Cform id=\"QuoteWizardZipCode\" class=\"QuoteWizardZipCode--form\" method=\"GET\" action=\"https:\/\/quotes.valuepenguin.com\" target=\"_blank\"\u003E\u003Cdiv class=\"QuoteWizardZipCode--hidden\"\u003E\u003Cinput type=\"hidden\" name=\"c\" value=\"C20049\"\/\u003E\u003Cinput type=\"hidden\" name=\"product\" value=\"auto\"\/\u003E\u003Cinput type=\"hidden\" name=\"key\"\/\u003E\u003Cinput type=\"hidden\" name=\"v\" value=\"vp\"\/\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardZipCode--fields\"\u003E\u003Cdiv class=\"QuoteWizardZipCode--field-zip-code\"\u003E\u003Clabel class=\"QuoteWizardZipCode--zip-code-label\"\u003EFind the Cheapest Insurance Quotes in Your Area\u003C\/label\u003E\u003Cdiv class=\"ZipCodeInput--root QuoteWizardZipCode--zip-code-input\"\u003E\u003Cdiv class=\"TextInput--root TextInput--required ZipCodeInput--input\"\u003E\u003Cdiv class=\"TextInput--field TextInput--none TextInput--field-container\"\u003E\u003Cspan class=\"TextInput--symbol\"\u003E\u003C\/span\u003E\u003Cinput type=\"tel\" aria-label=\"zip\" class=\"TextInput--input\" name=\"zip\" placeholder=\"Zip Code\" required=\"\" style=\"width:100%\" tabindex=\"0\" value=\"\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardZipCode--field-submit\"\u003E\u003Cbutton aria-label=\"Find Insurers\" class=\"Button--root Button--primary Button--fluid \" type=\"submit\" value=\"Find Insurers\"\u003EFind Insurers\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"QuoteWizardZipCode\"\u003E{\"onCurrent\":\"true\",\"product\":\"auto\"}\u003C\/div\u003E\n\u003C\/div\u003E\n\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Cp\u003ECar insurance rates from Safety Insurance were impressively low. We found that the typical price was 60% less than competing insurers for a full coverage policy, and 52% less for the minimum amount of coverage. This makes Safety Insurance an excellent choice for those looking for cheap car insurance.\u003C\/p\u003E\n\n\u003Cp\u003EThe typical rate for a full coverage policy was $1,014 per year, while the typical price for minimum coverage was $400 \u2014 cheaper than GEICO and almost half as expensive as major insurers such as Allstate.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeVisibility--show-large\"\u003E \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"graph comparing the cost of Safety car insurance vs. competitors for minimum coverage\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-minimum-d_duquaz\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/safety-rates-minimum-d_duquaz\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-minimum-d_duquaz 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-minimum-d_duquaz 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E \u003C\/div\u003E \u003Cdiv class=\"ShortcodeVisibility--show-small\"\u003E\u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"graph comparing the cost of Safety car insurance vs. competitors for minimum coverage\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-minimum-m_ynmzpx\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/safety-rates-minimum-m_ynmzpx\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-minimum-m_ynmzpx 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-minimum-m_ynmzpx 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E \u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeVisibility--show-large\"\u003E \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"graph comparing the cost of Safety car insurance vs. competitors for full coverage\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-full-m_mnipo5\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/safety-rates-full-m_mnipo5\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-full-m_mnipo5 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-full-m_mnipo5 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E \u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeVisibility--show-small\"\u003E \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Cimg alt=\"graph comparing the cost of Safety car insurance vs. competitors for full coverage\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-full-d_k47y4q\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/safety-rates-full-d_k47y4q\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-full-d_k47y4q 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/safety-rates-full-d_k47y4q 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E \u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch4\u003EAnnual car insurance premiums: Safety vs. competitors\u003C\/h4\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class='align-left Table--th' width='' colspan='' rowspan=''\u003EInsurer\u003C\/th\u003E\u003Cth class='align-left Table--th' width='' colspan='' rowspan=''\u003EMinimum coverage\u003C\/th\u003E\u003Cth class='align-left Table--th' width='' colspan='' rowspan=''\u003EFull coverage\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003ESafety Insurance\u003C\/td\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003E$400\u003C\/td\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003E$1,014\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003EAllsate\u003C\/td\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003E$674\u003C\/td\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003E$2,102\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003EArbella\u003C\/td\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003E$1,235\u003C\/td\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003E$3,198\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003EGEICO\u003C\/td\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003E$543\u003C\/td\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003E$1,394\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003EPlymouth Rock\u003C\/td\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003E$1,319\u003C\/td\u003E\u003Ctd class='align-left Table--td' width='' colspan='' rowspan=''\u003E$5,014\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3 id=\"discounts\"\u003EDiscounts available at Safety Insurance\u003C\/h3\u003E\n\n\u003Cp\u003ESafety Insurance offers a strong selection of listed discounts. In particular, it offers a discount of up to 24% for drivers who have gone six years without an accident or traffic ticket. It also has a sizable bundle discount for combining your home and auto policies.\u003C\/p\u003E\n\n\u003Cp\u003ESafety Insurance discounts: \n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Excellent driver plus: Up to 24% for six years without a crash or incident\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Excellent driver: Up to 10% for five years without a crash or incident\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Crash prevention training\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Bundle and multi-policy discount\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Good student discount\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Student away at school discount\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n E-customer discount\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Loyalty discount\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EHowever, \u003Cstrong\u003Ewe always recommend caution when evaluating an insurer based on discounts\u003C\/strong\u003E. Insurance rates are different for every driver, and you may find that your rates are lowest at a company that doesn't offer many explicit discounts.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Customer service reviews and ratings

We were disappointed by Safety's customer service ratings. It had worse-than-average ratings from J.D. Power and the National Association of Insurance Commissioners (NAIC) complaint index. The complaint index figure indicates that customers are more likely to complain about the service they receive with Safety than the median insurer.

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

AgencyRating
NAIC complaint index1.11 (Slightly worse than average)
J.D. Power787 (Much worse than average)
AM BestA (Excellent)

Methodology

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.

Our quotes are based on statewide average rates in Massachusetts for a single 30-year-old male. He drives a 2015 Honda Civic EX and has no recent car insurance claims or traffic citations.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.