Updated: May 12, 2026
Advertising & Editorial Disclosure
Safety ranks eighth for full coverage affordability and sixth for minimum liability coverage with average rates of $88 and $34 monthly.
Safety ranks eighth nationwide for overall customer satisfaction, scoring lower than competitors due to mixed agent service and forum reviews.
Safety takes second place for coverage options, with accident forgiveness and new car replacement coverage available.
Safety ranks sixth overall nationally, placing it among the best car insurance companies for most drivers. It leads in coverage options and customer service, earning top scores in both categories.
This ranking reflects data for a 40-year-old male driver with good credit and no driving violations, so its position for you will vary based on your profile and coverage needs.
| Overall Score | 4.5 | 6 |
| Customer Experience | 4.56 | 8 |
| Coverage | 4.85 | 2 |
| Affordability | 4.42 | 7 |
Safety works best for drivers with bad credit, adult drivers, senior drivers and those with speeding tickets. You shouldn't consider it if you're a young driver or have an accident on your record.
| Overall Score | 4.23 | 9 |
Safety monthly rates range from $29 to $1,075, depending on your profile and coverage needs. We've analyzed national car insurance costs by age group, gender, coverage type, credit score and driving record to help you find the best rates.
| $187 | $2,241 | 0% | 11 |
Safety is among the cheapest car insurance companies for drivers with bad credit. Young drivers and those with accidents or DUIs will pay much higher rates. Check how affordable Safety is for your specific driving profile below.
| Drivers With Old Cars | $28 | $74 | -18% | 6 |
| Adult Drivers | $32 | $82 | -20% | 7 |
| Senior Drivers | $34 | $88 | -24% | 7 |
| Drivers With a Speeding Ticket | $35 | $94 | -27% | 7 |
| Drivers With Low Income | $36 | $82 | -34% | 6 |
| Drivers With Newer Cars | $45 | $117 | -17% | 7 |
| Drivers With Bad Credit | $48 | $110 | -44% | 4 |
| Drivers With an Accident | $60 | $143 | 10% | 13 |
| Drivers With a DUI | $90 | $186 | -22% | 11 |
| Young Drivers | $96 | $261 | 17% | 14 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Safety offers 10 car insurance discounts, with average savings of up to 24% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Annual Mileage Discount | Variable | Low annual mileage drivers (requires completion of annual mileage discount form) | Available in all operating states |
Loyalty Discount | Up to 4% | Continuous years insured with Safety or your agency | Available in all operating states |
Drive with Safety | Up to 5% | Enroll in telematics program and demonstrate safe driving behaviors through smartphone app | Available in all operating states |
E-Customer Discount | Up to 7% | Qualify for Account Credit or Multi-car discount AND select electronic policy issuance | Available in all operating states |
Multi-Car | Up to 10% | Two or more vehicles insured on the same policy | Available in all operating states |
Excellent Driver | Up to 10% | No accidents or incidents in past 5 years | Available in all operating states |
Multi-Policy/Bundle | 10-15% | Must have auto and homeowners insurance with Safety Insurance (10% in MA, up to 15% in NH and ME) | Available in all operating states |
Good Student | 10% | Students with "B" average or better (3.0+ GPA), Dean's list, or Honor roll | Available in all operating states |
Away at School | 10% | Student 100+ miles from home at accredited institution without regular vehicle access | Available in all operating states |
Excellent Driver Plus | Up to 24% | No accidents or incidents in past 6 years | Available in all operating states |
Safety ranked eighth in overall customer satisfaction in MoneyGeek's customer experience study. Customer feedback shows the company leads in agent service quality and has a strong digital platform for policy management.
Reviews point to claims processing as the main concern, with customers reporting longer resolution times and communication gaps during the claims process.
Safety customers praise the company's competitive rates, especially for high-risk drivers and those with previous accidents. Many appreciate the Massachusetts, Maine and New Hampshire presence and the local agents available in these states.
"When I first looked for insurance, everywhere was quoting me at over $2000/yr because I owned an eclipse. Safety insurance was the only place I could get a good quote and decent coverage. I ended up paying $1400/yr my first year driving and it's gone down ever since." But quotes are only available through agents.
Safety offers online account management and a mobile app for viewing insurance cards, paying bills and filing claims. The company provides customer service Monday through Friday, 8:15 a.m. to 4:30 p.m. ET.
Some customers appreciate individual agents who provide excellent service, while others report difficulties reaching representatives and long hold times.
Safety customers report mixed experiences with claims processing. Some customers praise specific adjusters and the VIP claim centers:
"I found the Claims Adjuster courteous, quick to respond, made everything easy and convenient, amazing customer service" and “Safety VIP centers if you have a fender bender are a completely stress free system.”
Others describe major problems with claims handling, especially coverage disputes and communication. Long-term customers report feeling abandoned: “I have been a Safety customer for several decades... They sent an appraisal company to assess the damage, and I was only paid a disappointing 600 plus dollars after the deductible... I ended up footing a bill for $3,000.”
Safety ranks well for financial strength across industry rating agencies, but its J.D. Power scores are average or below average in most areas. Here are Safety's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Excellent ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | a | aaa to d | Good credit quality (downgraded from a+ in 2025) |
S&P Global Financial Strength | Not Available | AAA to D | No S&P rating found for Safety |
Moody's Financial Strength | Not Available | Aaa to C | No Moody's rating found for Safety |
J.D. Power Auto Claims Satisfaction | Not Available | 1,000-point scale | Safety not included in 2024 J.D. Power Auto Claims Satisfaction Study |
J.D. Power Digital Service Experience | Not Available | 1,000-point scale | No digital service experience rating available |
J.D. Power Auto Insurance Shopping Study | Not Available | Out of 1,000 | Safety not mentioned in shopping studies |
J.D. Power Overall Customer Satisfaction | 663/1,000 | Out of 1,000 | Above average in New England region (2024 J.D. Power Auto Insurance Study) |
NAIC Auto Complaints | Below Average | 1.00 is average | Far fewer complaints than expected for company size |
Reddit users and forum members report mixed experiences with Safety car insurance, with satisfaction tied to whether they file claims. The Boston-based insurer offers competitive rates in Massachusetts, Maine and New Hampshire, though customer service quality varies.
Common complaints include long hold times, delayed claims processing and difficulty reaching representatives. Some customers praise specific agents and the company's VIP repair program for streamlined service.
Here's what real customers are saying about their experiences:
Customers appreciate Safety's competitive pricing, especially for high-risk drivers seeking affordable coverage:
“I couldn't get a quote under 600 I tried for days and researching the cheapest insurance and nothing under 600 ( I've been in some recent accidents and I was insuring my BMW that's why it's Soo expensive) I got a call from safety insurance w a guy named Jordan on the line... a few minutes later after giving him my information he said I have great news I can get you insurance for 250 a month w a 300 deductible.. I couldn't believe it.”
Claims handling experiences show differences, with some customers facing major difficulties while others report smooth processes:
"I have been a Safety customer for several decades. Two months ago, rats chewed my car wires... Safety refused to pay any supplemental costs. I ended up footing a bill for $3,000. I advise staying away from Safety. It's completely unfair for a company that has received tens of thousands of dollars from me, especially since I have never had an accident in 38 years of driving."
"Safety VIP centers, if you have a fender bender, are a completely stress-free system of getting through this potentially time sucking experience. I found the Claims Adjuster courteous, quick to respond, made everything easy and convenient, amazing customer service."
Customer service experiences vary depending on the representative and situation:
"The lack of communication was BY FAR one of the worst customer service experiences of my life. I am notorious for leaving positive reviews where the customer service was excellent, in many situations I don't bother with a bad review unless I found it abhorrent and inexcusable."
"Got into a fender bender, my fault? Rob Connelly has been so helpful...over and above in personality. Pleasant and helpful...both important qualities of great customer service. Thank you."
Safety's digital platforms receive mixed feedback, with some praising functionality while others note limitations:
"Safety offers various insurance products and services, including auto and homeowners insurance. The company provides clients with services such as managing accounts online to pay bills, reporting claims, and receiving alerts via text messages or emails."
"Website is useless. Tries to force you to log in constantly but doesn't recognize user ID. Waste of time."
Customer trust varies based on individual claim experiences and service interactions:
"Worst experience with company, their staff completely unprofessional non supportive."
"Safety was founded in 1979 with a belief that it would succeed as a company if customers were given the best possible service. As it has grown and expanded its product line to include a full range of property and casualty insurance products, staying committed to that belief has meant even more."
Customers appreciate Safety's coverage options and additional features, especially the VIP repair program:
"Safety Shield packages for auto insurance with endorsements like emergency towing and accident forgiveness. Four home insurance packages with endorsements for replacement cost and sewer/water backup. Local agents in Maine, Massachusetts and New Hampshire offering tailored regional expertise."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Safety provides the same standard coverages as other top insurers, including liability, comprehensive and collision protection. The company also offers these additional add-ons:
Safety Shield | Comprehensive enhancement package including collision deductible waiver, glass coverage, emergency road travel expenses, and guaranteed replacement cost | Varies by state; includes roadside assistance, supplemental towing, and rental coverage; collision deductible waiver included |
Safety Shield Plus | Enhanced package with all Safety Shield benefits plus accident forgiveness, expanded personal effects, pet coverage, seat belt coverage, and bail bonds | Available only in Massachusetts; includes accident forgiveness and pet injury protection |
Gap Coverage (Loan/Lease Payoff) | Pays the difference between your vehicle's actual cash value and the remaining loan or lease balance if your car is totaled | Covers the "gap" when you owe more than the car is worth; requires comprehensive and collision coverage |
Roadside Assistance | Emergency roadside services including towing, flat tire changes, lockout service, and fuel delivery | 24/7 availability; included in Safety Shield packages; supplemental towing and labor coverage |
Rental Reimbursement | Covers rental car costs while your vehicle is being repaired after a covered claim or total loss | Extended rental coverage available; covers rental until settlement offer for total loss |
Pet Coverage | Covers veterinary expenses for pets injured in a covered auto accident | Included in Safety Shield Plus; available only in Massachusetts; automatic coverage for pet injuries |
Glass Coverage | Full glass coverage for windshield and window repair or replacement | No deductible for glass repairs; included in Safety Shield packages; available in Maine and New Hampshire |
Guaranteed Replacement Cost | Provides enhanced coverage for newer vehicles ensuring replacement with equivalent or newer model | Lock-in value protection; helps avoid depreciation gaps; included in Safety Shield packages |
Airbag Coverage | Covers airbag mechanical failure and replacement costs | Specialized coverage for airbag malfunctions; included in Safety Shield endorsements |
Seat Belt Coverage | Provides additional protection and benefits related to seat belt use | Available only in Massachusetts with Safety Shield Plus; enhanced safety benefit |
Bail Bonds Coverage | Covers bail bond expenses if you're arrested following a covered auto accident | Unique coverage option; included in Safety Shield Plus in Massachusetts only |
Here are insurance products beyond auto that work well as bundles or standalone coverage:
Who Offers It? | Insurance Products |
|---|---|
Safety (Directly Offered) | Auto insurance, homeowners insurance, condominium insurance, renters insurance, dwelling fire insurance, personal umbrella insurance, commercial insurance |
Third-Party Partner | Not advertised |
Safety leads in customer experience and coverage. We recommend you compare quotes and decide on coverage needs before buying to get the best deal.
Below are MoneyGeek's expert answers to frequently asked questions about Safety car insurance:
Yes, Safety is a legitimate car insurance company that earned 6th place in our car insurance provider rankings. The insurer ranks especially high in coverage options, achieving second place among all providers we evaluated.
Based on our analysis, Safety doesn't rank as the number one car insurance provider in any state. The company maintains a strong regional presence in Massachusetts, Maine and New Hampshire, where it focuses its operations.
Safety charges adults an average of $408 annually for minimum coverage and $1,053 for full coverage. Annual premiums range from $347 to $5,189 for minimum and $782 to $11,083 for full coverage.
Customer feedback suggests Safety draws criticism for claim denials, with policyholders reporting rejections for legitimate incidents and frustrating appeals processes that sometimes lack clear explanations for denial decisions.
Safety excels for drivers with bad credit, ranking fourth overall for affordability. But it's not ideal for drivers with a DUI, ranking 11th overall.
Yes, Safety raises rates over time due to inflation impacting repair and medical expenses, plus increased claims from distracted driving and severe weather. They also adjust pricing based on regional risk changes, regulatory updates, and personal factors like credit score shifts, regardless of your driving record.
No, Safety isn't the best choice for young drivers, ranking 14th for overall affordability with rates averaging $261 monthly for full coverage.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile for consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates reflect policies that meet state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, Fitzpatrick draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Mark holds a master's degree in economics and international relations from Johns Hopkins University and a bachelor's degree from Boston College. He started his career in financial risk management at State Street before moving into insurance market analysis. He's also a five-time Jeopardy champion!
