Safety Insurance Review [2024]
Safety Insurance serves residents in Massachusetts, Maine, and New Hampshire, providing reliable home, auto, and business insurance while maintaining solid financial stability and a commitment to excellent customer service.
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Safety Insurance
Average Monthly Rate For Good Drivers
$166A.M. Best Rating:
AComplaint Level:
LowPros
- A.M. Best rating of A and A+ rating from the Better Business Bureau.
- Positive customer reviews and lower-than-average complaint level.
- Personalized attention from agents.
- Affordable rates compared to competitors.
- Discounts and unique benefits are available.
Cons
- Limited availability in only three states (Massachusetts, Maine, and New Hampshire).
- Some negative reviews regarding the claims process.
- Safety Insurance serves a small area: Massachusetts, Maine, and New Hampshire
- The company sells car, home, business, commercial vehicle, umbrella, and boat insurance
- M. Best gives Safety an A, the Better Business Bureau an A+, and the company receives fewer complaints than average, according to the National Association of Insurance Commissioners
If you’re a resident of Massachusetts, Maine, or New Hampshire, the Safety Insurance company might have the coverage you need for your home, car, or business.
Founded in 1979, Safety Insurance has a reputation for excellent customer experiences for car or home insurance. Although they only sell in three states, customers typically enjoy getting personalized attention from their agents.
You should still consider other companies before calling the Safety Insurance phone number to sign up for a policy. Shopping around for quotes is the best way to ensure you get the lowest price possible for whatever insurance you need.
Safety Insurance quotes might be the cheapest for your needs, but plenty of other options are available to you. Enter your ZIP code into our free tool to see what quotes might look like for you.
What You Should Know About Safety Insurance Company
Safety Insurance receives an A from A.M. Best and an A+ from the Better Business Bureau. In general, customer reviews are positive, and it receives fewer complaints than average, according to the National Association of Insurance Commissioners.
Customers enjoy affordable Safety Insurance rates, stating that they tend to be lower than competitors in the area. People appreciate the easy Safety Insurance bill pay options and the friendly customer service representatives.
Negative reviews tend to focus on the Safety Insurance claims process. Some customers feel they were dealt with too slowly or that assessors inaccurately reported damage to their vehicle or home.
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Safety Insurance Company Insurance Coverage Options
Safety sells a variety of insurance products to residents of Maine, Massachusetts, and New Hampshire, including:
- Auto
- Home
- Business
- Umbrella
- Commercial car
- Boat
According to their website, Safety is committed to making buying and managing your insurance as easy as possible. True to its name, they also promote safe driving habits for teens and other drivers.
In fact, they have an entire section on the Safety website dedicated to providing safe driving resources to its customers. While it’s not the largest insurance provider, most customers report being happy with the service they receive.
Safety Auto Insurance
Auto insurance is Safety’s most popular product, and Safety offers the same traditional coverage as its competitors do. This includes:
- Liability. Liability coverage pays for damage you cause to other vehicles and property.
- Collision. While collision isn’t a legal requirement to drive, it provides invaluable protection if your car is damaged in an accident, regardless of who is at fault.
- Comprehensive. Comprehensive covers damage to your vehicle outside of accidents, including vandalism, theft, weather, and animal contact.
Safety also offers several unique plans with unique benefits to meet your auto insurance needs.
- Safety Shield. Available options vary by state, but this can include glass coverage, guaranteed replacement cost, personal belongings coverage, waiver of your collision deductible, and emergency travel expenses.
- Safety Shield Plus. This is an upgrade to the Safety Shield plan available to Massachusetts residents. If you purchase this, you’ll get accident forgiveness, seat belt coverage, pet coverage, and more coverage for your personal belongings.
- GAP coverage. If you finance a new car and something happens to it, you’ll likely owe more on the loan than your car is worth. GAP coverage will pay the difference between what your car is worth and how much is left on your loan in case your car is totaled.
While this isn’t the most comprehensive list of coverage options out there, Safety Insurance can cover most insurance needs.
Safety Home Insurance
As far as home insurance goes, Safety Insurance has relatively standard coverage for homes, apartments, and condos. If you live in Massachusetts or New Hampshire, you may also be eligible for cyber protection for your technological needs.
You can also buy additional coverage with Safety’s home insurance packages.
- Safety Supreme. This plan comes with more coverage for high-value items like jewelry, more liability coverage, ordinance/law coverage, and water and sewer backup coverage. It also comes with replacement cost coverage for your personal items.
- Safety Supreme Plus. On top of everything that the Safety Supreme plan offers, this comes with extra water backup protection. It also guarantees to rebuild your home, even if the damage costs more than the limit of your policy.
- Safety Complete. The ultimate Safety home insurance package, this comes with everything listed above as well as identity theft protection, more protection for water backup, and business coverage if you work from home. It also covers your appliances.
Like auto, you’ll need to speak to an agent to get a quote for homeowners insurance. However, Safety offers discounts to save you money:
- Customer loyalty
- Bundling
- New home
- Safety devices
In general, Safety receives positive customer reviews for their homeowners insurance. Customers appreciate fast response times and good customer service.
Other Insurance Products by Safety
With Safety, you can purchase insurance for various needs, including business owners, commercial car, and umbrella.
Safety’s business owner’s insurance covers apartments and condos, restaurants, office buildings, processing centers, wholesaling businesses, and trade contractors. Business policies include protection for your equipment, and additional coverages are available for purchase.
Commercial car insurance will cover vehicles used for business, including trucks, cars, vans, and tractor-trailers. Safety also offers fleet insurance if you have multiple business vehicles.
Umbrella insurance is additional coverage for your liability policies in either home or business insurance.
If someone is injured on your property and you’re determined to be at fault, your liability insurance might run out before your legal fees are covered. Umbrella insurance makes up for the difference.
While quotes are unavailable online, a simple Safety Insurance login can determine what policies you qualify for.
See if Safety Insurance is Right for You
If you are a Massachusetts, New Hampshire, or Maine resident, Safety Insurance might have the coverage you need. From home, auto, business, and many other products, Safety has a reputation for excellent customer service.
If you want to buy Safety Insurance, you should also shop other companies to get the lowest price possible. Enter your ZIP code into our free tool to see what quotes might look like for you.
Safety Insurance Company Insurance Rates Breakdown
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| Driver Profile | Safety Insurance | National Average |
|---|---|---|
| Clean Record | $83 | $119 |
| 1+ Ticket | $125 | $147 |
| 1+ Accident | $154 | $173 |
| DUI | $250 | $209 |
| Poor Credit | $143 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
While you need to speak with an agent to get a quote, Safety reviews generally state that its car insurance is comparable in price to other companies. Safety also offers a long list of discounts you can take advantage of to save money.
- Customer loyalty
- Multi-car
- Bundling
- Good student
- Accident-free
- Student away-from-home
- Defensive driver course
- Drive with Safety app
The Drive with Safety app monitors your driving habits such as hard braking, cell phone use while driving, speeding, and late-night driving.
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Safety Insurance Company Discounts Available
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| Discounts | Safety Insurance |
|---|---|
| Anti Theft | 8% |
| Good Student | 13% |
| Low Mileage | 10% |
| Paperless | 8% |
| Safe Driver | 18% |
| Senior Driver | 12% |
Safety Insurance provides various discounts to help customers save money on their insurance policies. These discounts cater to different factors and circumstances, allowing policyholders to benefit from reduced rates while maintaining quality coverage.
- Safe Driver Discount: Rewards policyholders who maintain a clean driving record without accidents or violations.
- Multi-Policy Discount: Provides savings for customers who bundle multiple insurance policies, such as auto and home insurance.
- Good Student Discount: Offers reduced rates for students who demonstrate strong academic performance.
- Anti-Theft Device Discount: Gives discounts to policyholders who install anti-theft devices in their vehicles for added security. (For more information, read our “Why You Should Get an Anti-Theft Device for Your Car“).
- Low Mileage Discount: Rewards customers who drive fewer miles than average, reducing their insurance premiums.
- Mature Driver Discount: Offers discounts to older drivers who complete recognized safe driving courses.
- Group Discounts: Provides reduced rates for certain professional groups or affiliations.
Safety Insurance offers a range of discounts that cater to various aspects, including driving behavior, policy bundling, security measures, and demographics. These discounts aim to incentivize safe practices and provide financial benefits to policyholders, encouraging responsible behavior and fostering customer satisfaction.
How Safety Insurance Company Ranks Among Providers
In the insurance landscape, Safety Insurance faces competition from several notable companies that offer similar coverage options and services. Understanding these competitors can help individuals make informed decisions when exploring insurance providers.
- GEICO: Known for competitive rates and a wide range of coverage options, GEICO offers auto, home, and other insurance products, often emphasizing affordability and user-friendly online tools.
- Progressive: Recognized for its innovative insurance offerings, Progressive provides auto, home, and other policies with a focus on technology-driven services, like Snapshot, which monitors driving habits to offer personalized rates.
- State Farm: One of the largest insurers in the U.S., State Farm offers various insurance products, including auto, home, and life insurance, along with a network of agents known for personalized customer service.
- Allstate: Known for its extensive network of agents and diverse insurance offerings, Allstate provides auto, home, and other policies, often highlighting comprehensive coverage options and various discounts.
- Liberty Mutual: Offers auto, home, and other insurance products with customizable coverage options and a strong emphasis on customer service and technological advancements.
Safety Insurance operates in a competitive market alongside major insurance providers like GEICO, Progressive, State Farm, Allstate, and Liberty Mutual. Each of these competitors has its own strengths and unique selling points, offering diverse coverage options and services to attract and retain customers.
Understanding the offerings of these competitors can aid individuals in comparing and selecting the most suitable insurance provider based on their needs and preferences.
Effortless Claims Processing at Safety Insurance
Ease of Filing a Claim
Safety Insurance offers multiple avenues for filing claims, including online, over the phone, and through mobile apps, ensuring flexibility for policyholders.
Average Claim Processing Time
While processing times can vary depending on individual cases, Safety Insurance generally aims for efficient and timely claim resolutions.
Customer Feedback on Claim Resolutions and Payouts
Customer reviews on claim resolutions and payouts vary. While many appreciate the smooth process and timely payouts, some express concerns regarding delays or inaccuracies in the assessment of damages to vehicles or properties.
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Embrace Technological Convenience With Safety Insurance
Mobile App Features and Functionality
The Safety Insurance mobile app offers user-friendly features, allowing policyholders to manage their accounts, file claims, access policy information, and make payments conveniently from their mobile devices.
Online Account Management Capabilities
Safety Insurance provides robust online account management capabilities, enabling policyholders to review policy details, track claims, and update information through a user-friendly online portal.
Digital Tools and Resources
The company’s digital platform offers resources such as safe driving resources, educational materials, and access to policy-related information, enhancing customers’ understanding and engagement with their insurance coverage.
Frequently Asked Questions
What regions does Safety Insurance serve?
Safety Insurance serves residents of Massachusetts, Maine, and New Hampshire, offering home, auto, and business insurance within these areas.
What are Safety Insurance’s financial ratings?
Safety Insurance holds an A rating from A.M. Best and an A+ rating from the Better Business Bureau, indicating strong financial stability.
What are the primary insurance coverage options provided by Safety Insurance?
Safety Insurance offers various coverage options, including auto insurance, home insurance for homes, apartments, and condos, as well as specialized insurance for businesses.
How does Safety Insurance compare to competitors in terms of customer satisfaction?
Safety Insurance generally receives positive customer reviews for affordable rates, easy bill payments, and good customer service. However, some negative feedback pertains to delays in the claims process.
What technological tools and resources does Safety Insurance offer to policyholders?
Safety Insurance provides a mobile app for managing accounts, filing claims, and accessing policy information. They also offer online account management capabilities and digital resources promoting safe driving habits.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Marianne_F
Avoid at all cost
Steph6727
Safety is good
Papa2012
Safety Insurance review
true12
general
Kathleen666
Low auto Insurance rates.
noshar
Good ezxperience overall
mopar
Claims
dt05
Disrespectful, cancelled without notification
Whitera637
Good company
Hennesseylaw1
Claim filed 6 months after alleged accident not investigated