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Safety Insurance Review 2020

June 24, 2020
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Sarah Schlichter

Safety Insurance at a glance

  • Operates in Massachusetts, New Hampshire and Maine.
  • Gets fewer complaints to state regulators than other companies of similar size.
  • Quotes are provided by independent agents, not online.

Founded in 1979, the Boston-based Safety Insurance Company offers auto, homeowners and other insurance products to customers in select New England states. If you want the personal attention of an agent and you’re a resident of Massachusetts, New Hampshire or Maine, Safety Insurance might be right for you.

Safety auto insurance

4.0 NerdWallet rating

Safety auto insurance earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account details including pricing, discounts and ease of filing a claim. Other factors include website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.

» MORE: Compare car insurance rates

In addition to standard types of auto insurance such as comprehensive, collision and liability coverage, Safety also offers optional coverage including:

Safety Shield. The coverages in this package vary depending on your state but may include extras such as glass coverage, a waiver of the collision deductible, guaranteed replacement cost, emergency road travel expenses and coverage for personal belongings.

Safety Shield Plus. Available only in Massachusetts, this includes everything in the Safety Shield package plus accident forgiveness, additional coverage for your personal items, bail bonds and coverage for pets injured in an accident.

Gap coverage. This optional add-on will pay the difference between your car’s value and the balance on your lease or loan if your car is totaled or stolen. You’ll need to purchase comprehensive and collision coverage, which pay up only to the car’s value, to buy gap insurance.

Safety’s auto insurance discounts vary by state but may include:

  • Accident-free discount.
  • Multiple car discount.
  • Multiple line discount.
  • Good student discount.
  • Loyalty discount.
  • Discount for students away at school.
  • Discount for drivers who have their policy issued electronically.
  • Discount for drivers who take a crash-prevention course.
  • Discount for using the company’s Drive with Safety app.

» MORE: Car insurance quotes: What you need to know

Safety homeowners insurance

Safety Insurance offers standard coverage for homes, condos and apartments, including for damage due to fire, windstorms, theft and more.

Safety also offers home cyber protection, which covers damaged software, compromised data and other technological issues.

You can bolster your coverage with optional upgrade packages such as:

Safety Supreme includes higher limits for jewelry and silverware and an extra $100,000 of liability coverage. It also includes replacement cost coverage for your home and personal belongings, which pays to replace damaged or stolen items with new ones, rather than paying their estimated value.

Safety Supreme Plus includes everything in the Safety Supreme package, plus extra water and sewer backup coverage and service line coverage up to $10,000. This package also includes guaranteed replacement cost, which will pay the full price of rebuilding your home even if it’s above your policy limit.

Safety Supreme Complete includes everything in the Supreme Plus package along with identity theft reimbursement, increased limits for water and sewer backup and coverage for a business property on the premises. It’ll also pay up to $50,000 if appliances like your refrigerator or HVAC system break down.

Safety’s home insurance discounts include:

  • Multiple line discount.
  • Discount for homeowners who have their policy issued electronically.
  • New home credit.
  • Loyalty credit.
  • Credit for fire or burglar alarms.

» MORE: Homeowners insurance: What it is and what it covers

Safety Insurance complaints and customer satisfaction

For both homeowners and auto insurance, Safety receives fewer than the expected number of complaints for a company of its size, according to the National Association of Insurance Commissioners.

However, it was below average compared with other New England auto insurance carriers in a 2020 J.D. Power consumer satisfaction study.

More about Safety Insurance

Website: Users can log in to their accounts and file claims through the Safety Insurance website, but there’s no way to get an online quote — nor is coverage information on the site as robust as it could be. The website does have an agent search tool, information about discounts and answers to frequently asked questions.

Mobile: Safety’s customer app lets you file a claim, find an agent, view your insurance card, pay your bill and manage your account.

You can get a discount on your auto insurance by using the Drive with Safety app, which tracks driver behavior such as speeding, phone use and hard braking.

Other types of insurance from Safety

Beyond personal auto and homeowners insurance, Safety offers policies including:

  • Personal and commercial umbrella insurance.
  • Business owners insurance.
  • Dwelling fire insurance.
  • Boat insurance.
  • Commercial auto insurance.

Recap: Safety Insurance pros and cons

Gets fewer consumer complaints than expected for a company of its size for auto and home insuranceAvailable in only three states
Offers a variety of upgrade options for auto and home insuranceNo online quotes available
Lower-than-average customer satisfaction scores for auto insurance

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, website transparency and affordability. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Methodology: Insurer complaints

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2016-2018. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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