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 1980, 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
Safety auto insurance earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.
Based on these ratings, Safety is among NerdWallet’s Best Car Insurance Companies for 2021.
Common types of car insurance coverage
When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance to drive a vehicle, although minimum coverage requirements vary from state to state. This generally includes liability insurance and uninsured and underinsured motorist coverage.
If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy you can buy, but rather a combination of coverage types like liability, collision and comprehensive insurance.
Check out the most common types of car insurance coverage below to see how they work:
|Coverage type||What it pays for||Required?|
|Bodily injury and property damage liability||Costs for injuries, deaths or property damage from an accident you caused.||Typically required.|
|Uninsured or underinsured motorist coverage||Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.||Often required.|
|Collision coverage||Repair expenses from traffic-related accidents, regardless of who's at fault.||A car loan or lease may require it.|
|Comprehensive coverage||Repair costs from events outside your control — including weather events, hitting an animal while driving, theft and vandalism.||A car loan or lease may require it.|
In addition to standard types of auto insurance such as comprehensive, collision and liability coverage, Safety also offers optional coverage, including:
Safety Shield. The coverage in this package varies 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, seat belt coverage, 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-policy 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.
Auto insurance buying guide
Before you compare car insurance companies, you’ll need to collect basic information, such as the driving history of everyone on the policy and facts about your car, including safety features and annual mileage driven. You’ll also want to understand which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.
When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to decide based on price alone. Look at how many consumer complaints each company has, as high numbers can be a red flag about the quality of service you might receive.
Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.
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 protection for Massachusetts and New Hampshire residents, which covers damaged software, compromised data and other technology issues.
You can bolster 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 the 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 to rebuild 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 vary by state and may include:
- Multiple policy discount.
- Discount for homeowners who have their policy issued electronically.
- New home credit.
- Loyalty credit.
- Credit for fire or burglar alarms.
Safety Insurance complaints and customer satisfaction
For both homeowners and auto insurance, Safety received fewer than the expected number of complaints for a company of its size, according to the National Association of Insurance Commissioners.
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 not have an agent search tool, information about discounts or 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 Insurance include:|
|Personal and commercial umbrella insurance||Dwelling fire insurance|
|Business owners 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 insurance||Available in only three states|
|Offers a variety of upgrade options for auto and home insurance||No online quotes available|
Auto insurance ratings methodologyNerdWallet’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.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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.