Auto insurance

With Safeco's broad array of coverage options, you can independently tailor your policy to fit your needs, and your budget.

Why to choose Safeco Auto Insurance?

With Safeco's broad array of coverage options, you can independently tailor your policy to fit your needs, and your budget.


Safeco's safe driving rewards

Safeco's safe driving rewards

Accident Forgiveness The first accident on your policy is waived after a set number of years with Safeco without an at-fault collision or violation.
Claims-Free Cash Back If you were claims-free over a six-month review period, Safeco will mail you a check for 2.5% of your policy premium (up to 5% each year) — automatically.
Diminishing Deductible The collision deductible will de crease at every renewal if there are no claims filed against your policy. The deductible will continue to decrease for up to five years or until the $500 maximum is reached.
Low Mileage Discount Safeco's low mileage discount is a vehicle-level discount, which allows drivers who drive less to save up to 20% on their auto insurance, depending on their age and the annual miles they drive. We expect that nearly half of drivers who qualify will receive a discount of 10% or more.

Standard Coverages:

  • Liability

    If someone is hurt or their property is damaged in an accident, Safeco will help pay for covered damages and expenses, including court costs if you are sued.

  • Medical Payments

    Safeco will cover accident-related medical expenses up to the policy limits for anyone injured while in your car, regardless of who's at fault.

  • Uninsured/Underinsured Motorists

    If you're injured in an accident caused by someone with minimal or no insurance, Safeco will protect you and any passengers in your vehicle.

Optional Coverages:

  • Collision

    You get in an old-fashioned fender bender with another vehicle, or collide with another object on the road.

  • Comprehensive

    You wake up to find your car has been stolen. Don't sweat it — Comprehensive will pay for the theft.

  • Guaranteed Repair Network

    Select a Guaranteed Repair Network shop for your car, get an estimate, get it fixed, and get back on the road. If anything goes wrong from there, you're covered with Safeco's President's Guarantee.

  • New Vehicle Replacement

    If you're the original owner of a car less than one year old that has been totaled or stolen, we'll pay you the value of a comparable new car.4

  • Rental Car Reimbursement

    Get help paying for the cost of renting a car while yours is in the shop being repaired after a covered loss.5

  • 24-Hour Roadside Assistance

    Covers towing to the nearest qualified repair shop and other basic emergency services. Safeco Roadside Assistance will help you change a flat tire, deliver gas, oil, or other essential fluids, and send out a locksmith if you're locked out of your car.6

  • RideSharing Coverage

    Safeco's new RideSharing CoverageTM is designed to provide coverage during the specific period of time when the driver has logged into the transportation network company's application and is looking for a passenger, but has not accepted a request for transportation and no passenger is occupying the vehicle. During this time, the driver is not covered by the Safeco Auto policy, and only minimally if at all by the transportation network company's policy.

When it comes to protecting your assets, we make the grade.


Has the financial strength and capability to guarantee our customers' polices and keep them secure.

Find out which plan is right for you
Policies are customized according to your needs. We have simplified the process to help you find the right policy that fits your budget and loved ones.
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