Safety Auto Insurance Review 2024
Safety Insurance
Safety gets far fewer consumer complaints than expected, but it sells policies in only three states.
Safety Insurance
Safety gets far fewer consumer complaints than expected, but it sells policies in only three states.
Safety Insurance earned 3.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Founded in 1979, the Boston-based Safety Insurance Company offers auto, homeowners, business and other insurance products to customers in select New England states through independent agents. If you want the personal attention of an agent and you’re a resident of Massachusetts, New Hampshire or Maine, Safety Insurance might be right for you.Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company’s rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
How we review auto insurance companies
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.
Compare to other insurers
Complaints to NAIC
Far fewer than expected
Complaints to NAIC
More than expected
Complaints to NAIC
More than expected
Ease of use
Above average
Ease of use
Above average
Discounts
Average set of discounts
Discounts
Average set of discounts
Discounts
Great set of discounts
Bottom line
Safety gets far fewer consumer complaints than expected, but it sells policies in only three states.
Bottom line
The Hartford primarily caters to customers 50 and older, offering policies through a partnership with AARP.
Bottom line
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.
Safety auto insurance coverage
When you’re shopping for car insurance coverage, it’s important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Safety Shield. The coverage in this package varies depending on your state, but it may include extras such as glass coverage, a waiver of the collision deductible, guaranteed replacement cost, emergency road travel expenses and coverage for personal belongings.
Safety Shield Plus. Available only in Massachusetts, this includes everything in the Safety Shield package plus accident forgiveness, additional coverage for your personal items, seat belt coverage, bail bonds and coverage for pets injured in an accident.
Gap coverage. This optional add-on will pay the difference between your car’s value and the balance on your lease or loan if your car is totaled or stolen. You’ll typically need to purchase comprehensive and collision coverage, which pay up to the car’s value, to buy gap insurance.
Auto insurance discounts
Depending on where you live, you may be able to earn a discount or credit on your Safety auto insurance policy by:
Not having an accident or traffic violation for at least five years.
Insuring more than one vehicle.
Buying more than one insurance product from Safety.
Meeting Safety’s requirements for a good student.
Having a student who is away at school and keeps their car at home.
Having your policy issued electronically.
Taking a crash-prevention course.
See what you could save on car insuranceEasily compare personalized rates to see how much switching car insurance could save you.
Pricing based on tracked driving habits
Drivers may qualify for a discount by using the Drive with Safety telematics app, which is only available for Massachusetts drivers. Drive with Safety tracks driving behaviors like hard braking, speeding, and cell phone use.
Complaints
Safety Insurance had far fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
More about Safety auto insurance
Website: Users can log in to their accounts and file claims through the Safety Insurance website, but there’s no way to get an online quote. This is because Safety sells insurance exclusively through independent agents. In addition, coverage information on the site is not as robust as it could be. However, the website does have an agent search tool, information about discounts and answers to frequently asked questions.
App: Safety’s mobile app lets you file a claim, find an agent, view your insurance card, pay your bill and manage your account.
Safety homeowners insurance
Safety Insurance offers standard coverage for homes, condos and apartments, including for damage due to fire, windstorms and theft. Learn more in our Safety home insurance review.
Other insurance from Safety
Other insurance products available from Safety Insurance include:
Business owners insurance
Commercial auto insurance
Personal and commercial umbrella insurance.
Frequently asked questions
What is the Safety Insurance phone number?
If you’re looking to report a claim, you can call Safety Insurance 24 hours a day, toll-free at 800-951-2100.
The Safety Insurance corporate headquarters can be reached at 800-951-2100 if you live in Massachusetts or New Hampshire. If you’re calling from another state, dial 617-951-0600. Customer service representatives are available Monday through Friday, from 8:15 a.m. to 4:30 p.m. ET.
How do I get a Safety auto insurance quote?
You’ll need to contact an independent agent using Safety’s Find an Agent tool on the company website to get an auto insurance quote. The company doesn’t offer the option to get a quote online.
Does Safety Insurance offer rental car coverage?
Safety Insurance offers substitute transportation — or rental coverage — which will cover the cost of a rental car up to your policy limits if your vehicle is in the shop due to a covered claim. In the event your car is declared a total loss, Safety will cover rental costs until your claim is paid.