Safety insurance review 2025
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At a glance
Score breakdown
Auto
3.9
Cost & ratings
4.3
Coverage
3.5
Support
3.6
About Bankrate Score
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
- 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:
Pros
- Safety Shield makes adding endorsements easy
- Mobile app allows policyholders digital access to their coverage
- Local agents available
Cons
- Only available in three states
- Discounts are limited
- No online quotes
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 $2,670 per year for full coverage or $773 per year for minimum coverage. The best way to determine the exact rates you would pay is by requesting a quote from Safety.
Safety customer satisfaction
Interpreting third-party ratings can be helpful when evaluating auto insurance companies. These ratings often reflect customer satisfaction, claims handling and financial stability. Although Safety Insurance is not featured in the 2023 U.S. Auto Claims Satisfaction Study, it is important to consider other available ratings. Safety Insurance did rank above average in the New England region of the 2024 J.D. Power Auto Insurance Study with a score of 663. Additionally, the company holds an A (Excellent) financial strength rating from AM Best, indicating its historical ability to pay claims reliably.
Safety auto insurance customer complaints
The National Association of Insurance Commissioners (NAIC) collects complaints filed against insurance companies and translates them into complaint indexes based on each carrier's market share. The baseline for NAIC company complaints is 1.0, with an index above 1.0 indicating more complaints than expected based on a carrier's size and vice versa. Over the past three years, Safety Insurance has shown remarkably low complaint index scores for its auto products.
Safety car insurance discounts
One of the ways to potentially save on car insurance is by taking advantage of the discounts you qualify for. Safety doesn’t offer as many discounts as some competitors, but there are a few ways you might save. Discount offerings vary by state, but here are a few that are offered in all three states:
- Multi-policy discount: Insuring your home, apartment, rental house, business or other products with Safety could earn you a discount on your auto insurance.
- Student discounts: Safety offers a good student discount and student away at school discount for young drivers.
- Loyalty discount: By staying with Safety for continuous years, you could receive up to a 4 percent discount off your auto insurance.
- E-customer discount: If you opt to manage your policy online instead of getting paper statements, you might be able to lower your car insurance rate.
- Early issuance discount: If you’re looking to switch insurance carriers, shopping in advance can save you up to 11 percent with Safety.
- Safe driver discounts: Various safe driver discounts, including a telematics program, may save you between 5 and 24 percent on your policy with Safety.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
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
Cons
- Only available in three states
- Home Cyber Protection is not offered in Maine
- Fewer discounts than many competitors
Safety home insurance cost
The national average cost of homeowners insurance is $2,258 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.
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$150K dwelling
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Safety average premium
$1,240
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National average premium
$1,388
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$300K dwelling
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Safety average premium
$1,427
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National average premium
$2,258
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$350K dwelling
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Safety average premium
$1,542
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National average premium
$2,517
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$450K dwelling
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Safety average premium
$1,860
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National average premium
$3,039
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$750K dwelling
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Safety average premium
$3,104
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National average premium
$4,333
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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.
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$1,427
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- $831 |
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$2,002
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- $256 |
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$2,574
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+ $316 |
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$1,232
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- $1,026 |
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$2,062
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- $196 |
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$1,881
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- $377 |
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$3,096
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+ $838 |
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$1,833
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- $425 |
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$2,580
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+ $322 |
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$1,729
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- $529 |
Safety customer satisfaction
Understanding third-party ratings for home insurance can help gauge an insurance company's overall satisfaction level and reliability. While Safety Insurance is not included in the 2024 J.D. Power U.S. Property Claims Satisfaction Study, it still holds an A (Excellent) financial strength rating from AM Best, which indicates its strong historical ability to pay claims. Although third-party ratings are limited for Safety's home insurance, these available ratings suggest a reliable performance in financial stability.
Safety home insurance customer complaints
The NAIC Homeowners Complaint Index provides a useful metric for understanding how often policyholders file complaints against their insurance companies. A score of 1.00 represents the industry average; scores below 1.00 indicate fewer complaints than expected for a company of its size, while scores above 1.00 indicate more complaints than expected. Safety Insurance has consistently performed well in this area. The scores below suggest that Safety Insurance receives fewer complaints than the industry average, indicating a relatively high level of customer satisfaction with its home insurance products.
Safety home insurance discounts
Similar to its auto insurance, Safety’s discount selections and details vary from state to state. Some key discount opportunities that may help you find cheaper home insurance include:
- New home credit discount: Whether you live in Maine, Massachusetts or New Hampshire, Safety may add a credit of up to 18 percent to your home insurance if it is a brand new home.
- Customer loyalty credit discount: In Maine and New Hampshire, you could earn a credit of up to 16 percent off your homeowners insurance policy
- Multi-policy discount: If your personal auto insurance is with Safety, you could earn up to a 20 percent discount on your homeowners insurance. This applies to all three states.
- Fire and burglar alarm discount: While the eligibility guidelines and discount levels for this vary by state, you might lower your Safety home insurance premium if you have fire and burglar alarms in your home.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Safety
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
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Featured
Safety
3.9
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.3Coverage 3.5Support 3.6 |
The Hanover
3.4
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.1Coverage 3.6Support 3.7 |
Vermont Mutual
Not scored
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Having earned national recognition for its insurance technology, financial strength, and company performance, this regional carrier offers prepackaged insurance at rates consistently lower than the national average.
Read More
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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
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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
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Local agents
A (Excellent) from AM Best
Innovative customer service tech
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Offers unique endorsements
A (Excellent) from AM Best
Low customer complaints
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Offers competitive rates
Local agents
Low NAIC Complaint Index
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| No rates available | $4,150 |
$2,025 |
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J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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Not Scored |
Not Scored | Not Scored |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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| $1,427 | $2,894 |
$989 |
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J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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Not Scored |
Not Scored | Not Scored |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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A(Excellent) |
A(Excellent) | Not Scored |
Why you can trust Bankrate
Read our full methodologyOur insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Safety insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
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:
*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 February 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:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
Home
Bankrate utilizes Quadrant Information Services to analyze February 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:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000Additional 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.
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Cost & ratings 50%
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Coverage & savings 30%
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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
Safety has 23 reviews
Dive into community reviews below and see what others think about Safety.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
recommend this insurer
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
