Safety insurance review 2024

Our Safety Insurance review found that the company’s car insurance could be a good fit for Maine, Massachusetts and New Hampshire drivers who want the convenience of having a pre-built car insurance package. A big draw to Safety car insurance is its Safety Shield package, which includes additional coverage options like emergency towing, roadside assistance and more.

The package options differ slightly depending on the state. In Massachusetts, drivers may also purchase an expanded Safety Shield Plus to include accident forgiveness, expanded personal effects coverage, pet coverage, seat belt coverage and bail bonds coverage. Each package also comes with its own cost, so it might be helpful to request an auto insurance quote to see how much the additional coverage options might be.

Pros and cons of Safety car insurance

Safety car insurance could be a good choice for some, but no company is perfect. Here are some of the pros and cons of Safety’s car insurance product:

Safety home insurance is available in Maine, Massachusetts and New Hampshire and offers coverage for single-family homes as well as condominiums and apartments. The company offers standard coverage and has several endorsements available for added protection. This includes four packages with pre-selected endorsements: Safety Select, Safety Supreme, Supreme Plus and Safety Complete package. Each one comes with its own features and increased limits, but shared coverage options include replacement cost, sewer/water backup and increased liability amounts.

Pros and cons of Safety home insurance

Just like with its auto insurance, Safety home insurance has perks and drawbacks. When you are comparing home insurance quotes and looking for the best home insurance company for your needs, understanding each carrier’s strengths and weaknesses can be helpful.

Finding the best insurance company for your needs can often involve shopping around and comparing providers. If you’re interested in Safety, you may want to compare quotes from these similar carriers.

Safety might be a good company if you are looking for fairly standard coverage and you live in Maine, Massachusetts or New Hampshire. The company’s low rates and giveback programs are impressive given its size, but coverage offerings and discounts don’t particularly stand out when compared to its competitors. Additionally, Safety doesn’t have many third-party reviews, which makes it difficult to assess the overall level of service satisfaction. If you’re interested in Safety, comparing quotes from a few other carriers may help you decide if the company is right for you.

What are real-life customers saying about Safety?

To provide a clearer picture of the customer experience with Safety Insurance, we have sourced real-life takes from a regional Yelp page. Since Safety caters to a niche area of the U.S., reviews can be few and far between. However, the Yelp page offers valuable insights from over 100 reviews, reflecting customers' experiences with Safety's services, claims process and customer support. Below is some varying feedback from several customers:

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Safety company details

Here are a few ways to get in contact with Safety and the company's various departments:

• Service and claims: 1-800-951-2100
• Outside of MA and NH: 1-617-951-0600
• More information available at Safetyinsurance.com
• Corporate headquarters:
• Safety Insurance Company
  20 Custom House Street
  Boston, MA 02110
• Claims:
• Safety Insurance Company
  P.O. Box 55098
  Boston, MA 02205-5098
• Payments:
• Safety Insurance Company
  PO Box 371312
  Pittsburgh, PA 15250-7312
• Overnight payments:
• Safety Insurance Company
  Premium Accounting Dept. PAC-12
  20 Custom House St
  Boston, MA 02110

State availability

Safety insurance is only available in Massachusetts, New Hampshire and Maine.

Safety tools and benefits

Home and auto insurance aren’t the only insurance products Safety offers. The company also offers the following policy types and tools:

• Personal umbrella insurance: Individuals who want to extend the liability on their auto and homeowners policy can do so with an umbrella policy.
• Dwelling fire coverage: This coverage is available to non-owner-occupied residential properties, with either single-family or two-family occupancy.
• Commercial auto: If you have a vehicle that you use for business, you may need a commercial auto insurance policy to cover your needs and risk.
• Business owners insurance: This type of insurance from Safety is intended for small and medium-sized businesses, such as commercial owners of apartments and condominiums, stores, restaurants and more.
• Resource center: The Safety Insurance resource center features helpful articles on common insurance topics and risk mitigation.
• VIP Claims Centers: These centers are part of Safety's VIP Repair Program. Policyholders can drop their vehicle off following a covered claim and Safety will arrange the necessary repairs and make a rental vehicle available if requested.

Frequently asked questions about Safety

Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Home

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.