Read more below to get a quote directly from Safety.
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.
Claims convenience: Multiple filing options make submitting claims simple and quick.
Online management: Handle routine tasks and updates online on your schedule.
Self-service: Complete tasks independently without waiting for an agent.
Limited support: Limited options can prevent you from getting help when needed.
Service concerns: Frequent complaints suggest problems with claims and customer service.
Financial risk: Weak ratings raise concerns about the company's financial stability.
| 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 |
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.
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.
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Safety's rates are about $659.[1]
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| Safety Group | $264 | $659 |
Source: The Zebra
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.
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.
Tenured Safety customers can earn up to a 4% discount on their policy for the number of years insured.
Students who keep up good grades while in school can be rewarded with 10%
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.
See how Safety stacks up against similar companies
Cost: $659 average cost for a six-month policy
Customer satisfaction: Moderate
Our take:
Cost: $759 for a six-month auto policy
Customer satisfaction: High
Our take:
Cost: $780 average cost for a six-month policy
Customer satisfaction: Moderate
Our take:
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]
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 | $654 |
| One comp claim | $670 |
| Two comp claims | $670 |
| At-fault accident - $1000-$2000 | $1,034 |
| At-fault accident - greater than $2000 | $1,214 |
Source: The Zebra
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.
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
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.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
