Safety Insurance offers flexible coverage, a variety of discounts, and multiple ways to file claims, making it a convenient choice for many drivers. While routine tasks like managing policies and submitting standard claims are generally smooth, some policyholders report slower processing for complex claims and occasional service delays.
Safety Insurance Review (2026)
- Overall rating: good (3.8/5 stars)
- Average cost: $743 for a 6-month policy
- Digital Experience Score: Exceptional (4.7/5 stars)
Read more below to get a quote directly from Safety.
Reviewed By Tara Stumpf
Edited By Beth Swanson
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Tara joined The Zebra in 2025, bringing 18 years of marketing and public relations experience with fintech and insurance brands. She specializes in c…
Credentials
- 18+ years of experience in the fintech & insurance industries
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Safety Insurance: Broad availability and good coverage
A combination of competitive pricing, flexible coverage options, and a wide range of discounts earns Safety a good rating from experts at The Zebra.
While customer experiences vary, particularly with complex claims, the company’s affordable premiums and broad availability make it an appealing option for many drivers.
What customers like:
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Claims convenience: Multiple filing options make submitting claims simple and quick.
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Online management: Handle routine tasks and updates online on your schedule.
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Self-service: Complete tasks independently without waiting for an agent.
What customers don't like:
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Limited support: Limited options can prevent you from getting help when needed.
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Service concerns: Frequent complaints suggest problems with claims and customer service.
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Financial risk: Weak ratings raise concerns about the company's financial stability.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Safety car insurance?
Currently, the national average for a 6-month car insurance policy is $1,163, whereas Safety's rates are about $743.[1]
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| Safety Group | $314 | $743 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Safety stacks up against competitors →
Discounts offered at Safety: similar options as competitors
Safety offers a substantial number of discounts, for drivers to save. Along with the common options you'll find elsewhere (such as multi-policy and multi-car discounts), Safety provides additional ways for customers to reduce their premiums, as you can see below.
Loyalty
Tenured Safety customers can earn up to a 4% discount on their policy for the number of years insured.
Good student
Students who keep up good grades while in school can be rewarded with 10%
Excellent driver
The longer you are accident-free, the higher this discount can go. Safe drivers of six years earn up to 24% off.
| Multi-Policy Discount | e-Customer Discount |
| Early Issuance Discount | Loyalty Discount |
| Family Discount | Safe Driving Discount |
| Gap Coverage Discount | Homeowners Policy Bundle Discount |
| Combined Bill Discount | Online Pay Discount |
To learn more about each discount Safety has to offer, see their discounts page.
American Family
American National
Safety Insurance
Avg. Cost
The Zebra's Overall Rating
Customer Service
Claims Experience
Digital Experience
Trust & Reliability
More Insurance Products
Financial Strength
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Safety's customer service & claims experience: Ups and downs
Safety provides a dependable experience for routine tasks such as managing policies, making payments, and submitting standard claims through its digital platforms. Customers generally find these processes smooth and convenient. However, more complex claims or disputes can take longer to resolve, and communication may be less consistent, resulting in occasional variability in the overall customer experience.[2]
Thinking about Safety?
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Why does Safety only sell in a few states?
Safety Insurance mostly sells auto and home insurance in Massachusetts, Maine, and New Hampshire, which might sound limited, but that’s not necessarily a bad thing. Smaller regional companies like Safety often focus on one area so they can know local laws and weather risks better (things like hail,…
Safety’s quote is way cheaper, so am I missing something?
Safety Insurance often gives great rates, especially for drivers in Massachusetts, Maine, or New Hampshire. They’re not a scam; they’re actually a well-established regional company that’s been around since the 1970s. The reason their prices seem low is that Safety focuses mainly on lower-risk local…
How much will your rates climb after filing a claim with Safety?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $827 |
| One comp claim | $845 |
| Two comp claims | $845 |
| At-fault accident - $1000-$2000 | $1,256 |
| At-fault accident - greater than $2000 | $1,537 |
Source: The Zebra
Claims process: Efficient but customer experiences vary
Safety Insurance offers a generally dependable claims process, with multiple ways to file claims and a structured repair program that helps streamline vehicle repairs. The company’s solid financial rating provides confidence in its ability to pay claims, but customer experiences are mixed—some report smooth, timely resolutions, while others note delays or communication challenges.
Coverage options: Adjustable and varied
Beyond the standard coverage offerings you'd expect from any carrier— like liability, collision and comprehensive, uninsured/underinsured motorist coverage, and personal injury protection— Safety is a little different than competitors and offers limited additional coverage options.
✔️ Safety shield
✔️ Safety shield plus
Final thoughts: Is Safety Right for You?
Frequently Asked Questions about Safety
Get quotes from Safety and other top companies
Sources:
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Survey. The Zebra
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
