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Safety insurance review 2025

Updated Jan 17, 2025
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At a glance

3.9
Rating: 3.9 stars out of 5
Bankrate Score
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Auto

Rating: 3.9 stars out of 5

3.9

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Bankrate's take

Safety Insurance has received local and national recognition for its insurance technology, financial strength and company performance. Policies are only available in Maine, Massachusetts and New Hampshire, though, and discounts may be more limited than with larger carriers.

  • Strong Customer Service Recognition with the 2024 Deep Customer Connections Ease in Business Award
  • A (Excellent) financial strength rating from AM Best
  • 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

New

What’s new with Safety?
  • September 2023: The company’s customer service track record was acknowledged, when the company was given the 2024 Deep Customer Connections Ease in Business Award.
  • June 2023: Safety announced it will begin updating its customer service platform with the goal of offering instant claims payment through One Inc. One Inc will provide policyholders the option of receiving claims payouts through payment platforms like PayPal and Venmo.
  • December 2022: Safety finalized its acquisition of Northeast/Metrowest Insurance Agency after announcing plans to acquire the company in October 2022. This purchase absorbed the assets and operations of Northeast and Metrowest Insurance but left the company as a separate business.

Safety car insurance review

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:

Green circle with a checkmark inside

Pros

  • Safety Shield makes adding endorsements easy
  • Mobile app allows policyholders digital access to their coverage
  • Local agents available
Red circle with an X inside

Cons

  • Only available in three states
  • Discounts are limited
  • No online quotes
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Safety car insurance cost

Although average rates can help you get an idea of what you might pay for Safety car insurance, they are not available for 2024. Based on 2023 rates we analyzed from Quadrant Information Services, policyholders with Safety have historically paid below the national average, which, for 2024, is currently $2,685 per year for full coverage or $800 per year for minimum coverage. The best way to determine the exact rates you would pay is by requesting a quote from Safety.

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Answering a few quick questions to check your availability with Safety
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Safety home insurance review

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.

Green circle with a checkmark inside

Pros

  • Offers four coverage packages to simplify the shopping process
  • Local agents are likely familiar with the unique needs of New England homeowners
  • Online resource center offers helpful guides for homeowners
Red circle with an X inside

Cons

  • Only available in three states
  • Home Cyber Protection is not offered in Maine
  • Fewer discounts than many competitors
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Safety home insurance cost

The national average cost of homeowners insurance is $2,267 per year for a home with $300,000 in dwelling coverage. The table below shows Safety’s average premiums across a range of dwelling limits, but keep in mind that your rates will vary based on your unique combination of rating factors.

$150K dwelling
Safety average premium
$1,240
National average premium
$1,370
$300K dwelling
Safety average premium
$1,427
National average premium
$2,267
$350K dwelling
Safety average premium
$1,542
National average premium
$2,534
$450K dwelling
Safety average premium
$1,860
National average premium
$3,066
$750K dwelling
Safety average premium
$3,104
National average premium
$4,399
*All rates displayed are average annual rates.

Compare Safety homeowners insurance rates

Homeowners insurance rates can vary significantly based on various factors such as location, home value and coverage limits. Generally, Safety Insurance offers homeowners insurance rates that are typically lower than the national average and many larger insurance carriers. This affordability can make Safety a competitive option for homeowners looking for cost-effective coverage.

$1,427
- $840
$2,088
- $179
$2,206
- $61
$1,254
- $1,013
$2,129
- $138
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Answering a few quick questions to check your availability with Safety

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Compare Safety with other insurers

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.

Badge Icon Featured

Safety

Safety
Rating: 3.9 stars out of 5
3.9
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The Hanover

The Hanover
Rating: 3.4 stars out of 5
3.4
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Vermont Mutual

Vermont Mutual
Not scored
OVERVIEW
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The Hanover is a bigger company than Safety, providing coverage in 20 states — including Maine, Massachusetts and New Hampshire. The company could be a particularly good choice for clients with high-value homes, but its average rates are considerably higher than Safety's.
Read More
Vermont Mutual is another regional New England-based carrier, but it offers coverage in a few more states than Safety. Vermont Mutual’s mobile tools are fairly sparse, but it also has very low average home and auto rates.
Read More
STANDOUT FEATURES
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Loan Icon
Offers unique endorsements
Badge Icon
A (Excellent) from AM Best
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Low customer complaints
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Offers competitive rates
Briefcase Icon
Local agents
Congrats Icon
Low NAIC Complaint Index
AVG FULL COV. AUTO RATE
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$5,093 $1,733
J.D. POWER AUTO SCORE
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Not Scored Not Scored
AVG HOME RATE
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$2,873 $983
J.D. POWER HOME SCORE
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Not Scored Not Scored
AM BEST RATING
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A(Excellent) Not Scored
Bankrate logo

Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

78

years of industry experience

9

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

Is Safety a good insurance company?

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:

Yelp User 1*
Aug 21, 2014
Is Safety insurance reliable?
“Reading some of the other (negative) reviews gave me pause. But I must say, I had a positive experience with Safety Insurance. I have a Homeowner's policy with Safety and this past winter, the water pipes in my home froze while I was away. When I returned home, I discovered a water fall rushing from my upstairs bathroom, flowing through the upstairs floor, cascading into my downstairs kitchen. A water supply pipe to my upstairs bath had burst and flooded the house. The water may well have been running for days. A large portion of my small house was essentially wrecked. There wasn't a room that was untouched. It was truly a disaster. Reconstruction took nearly 5 months. However, Safety was there for me. They investigated the claim and the underlying cause -- which was traced to a faulty switch in my furnace. They appraised the damage and paid the full cost of replacement -- which was substantial. At the end of the day, reconstruction and temporary living costs approached six figures! Throughout the ordeal, my claims representative was patient, professional and responsive. I admit, there were some nervous moments early on, while I awaited the results of the claim investigation, but in the end, Safety came through and fulfilled their commitment.”
via Yelp
Yelp User 2*
Jun 6, 2023
Excels and lacks in certain areas
“We switched to safety insurance a few years ago through our agent. In some aspects, they have been very good. We had a terrible problem with our basement, flooding, tree roots blocking the drain. It was very expensive. We have been trying to reach the claims adjuster for weeks now and she doesn't answer her phone, We've left countless voicemails and she doesn't call back.”
via Yelp

*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

Methodology

Auto

Bankrate utilizes Quadrant Information Services to analyze April 2025 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. Quoted rates for our base profile are based on the following characteristics and coverage levels:

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

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

Home

Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:

User Icon
40 year old
Married male and female homeowners
Logo for Brand name
2017 build year
Primary home
Credit Good Icon
Good credit score
Home Insurance Guide Icon
Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

Additional profiles:

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

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

Overall rating

Pie chart with 5 slices.
End of interactive chart.
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%

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.

What policyholders are saying about Safety

CTA Safety has 48 reviews

Safety has 48 reviews

Dive into community reviews below and see what others think about Safety.

3.9 Star Icon
48 ratings
75% of consumers
recommend this insurer
Score breakdown
5 stars
31%
4 stars
44%
3 stars
15%
2 stars
6%
1 star
4%
Score by category
Overall rating 3.9 / 5
Original cost 4.0 / 5
Coverage 4.1 / 5
Customer Support 4.2 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about Safety.
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Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I switched because I wanted better customer service.
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They try their best to understand the customers and find the customer perfect needs and wants.
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I’m very happy with them and do not expect to switch
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I seen an ad on tv and also a friend recommended it to me
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Because they always look out for me and Ill always have love for them for doing what they did for me
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 2 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
The insurance company's coverage was great
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I feel they have reasonable rates and we have not had any issues in dealing with them
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I switched because my last company was slow with claim s
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They gave me the lowest quote for my car insurance
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
My policy price has remained stable over time.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 4 / 5
Coverage 4 / 5
Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor II, Insurance