Safety Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Safety Insurance Score
4.25 Stars
We award Safety Insurance a final rating of 4.25 stars. The carrier offers personal and business insurance products to customers in three states and has excellent official ratings from AM Best and the Better Business Bureau (BBB). The carrier also offers many coverage enhancements and endorsements. Numerous discounts are available to help keep premiums affordable.
Safety also provides a user-friendly experience for its customers, including 24/7 phone claims reporting and a mobile app. While we had to deduct a fraction of a point for not offering nationwide coverage, overall, we highly recommend looking into Safety Insurance with the help of your independent insurance agent to be your next trusted carrier.
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Safety Insurance Products by Type
Safety Insurance has grown and increased its product line to include a full range of property and casualty insurance products. However, not all products are available in each of the three states in which Safety Insurance sells its coverage (i.e., Massachusetts, Maine, and New Hampshire). The company caters to both individuals and businesses and offers the following types of coverage:
Vehicle & Auto Insurance
- Personal auto insurance
- Commercial auto insurance
Home & Property Insurance:
- Homeowners insurance
- Dwelling fire insurance
- Personal umbrella insurance
Business Insurance:
- Business owners insurance
- Commercial package policy
- Commercial umbrella insurance
Safety Insurance Auto Insurance
Safety Insurance offers all the basics you'd expect in an auto insurance policy, including bodily injury and personal property damage liability coverage. However, the carrier offers enhanced auto insurance coverage for customers in Massachusetts.
Enhanced coverage types, features, and benefits:
Safety Shield
Safety Insurance's Safety Shield enhanced auto insurance package, available in Massachusetts, offers various benefits on top of standard car coverage. Some of the features include a disappearing collision deductible, personal effects coverage, airbag mechanical failure coverage, guaranteed replacement cost coverage, rental vehicle loss of income coverage, emergency road travel expenses coverage, supplemental towing and labor coverage, and extended substitute transportation coverage for a vehicle rental.
Safety Shield Plus
Safety Insurance's Safety Shield Plus package includes all the perks of the Safety Shield package with a few extras. These include accident forgiveness coverage, pet coverage, bail bonds coverage, seat belt coverage, and expanded personal effects coverage.
Safety Insurance Auto Insurance Average Prices
Safety Insurance sells affordable auto insurance. While the national average cost of a six-month auto insurance policy is $1,093, the same amount of coverage from Safety Insurance is only about $721, on average. In the table below, we've broken down some averages by age group.
Safety Insurance Auto Insurance Premiums 2025
| Driver Age Group | Average Monthly Car Insurance Premium |
|---|---|
| Teenagers | $428 |
| 20s | $151 |
| 30s | $116 |
| 40s | $116 |
| 50s | $115 |
| 60s | $92 |
Safety Insurance Property Insurance
Safety Insurance offers all the standard coverage options you'd want in a complete home insurance policy, including dwelling coverage, contents coverage, additional living expenses or loss of use coverage, personal liability coverage, and additional structures coverage. The carrier also offers enhanced coverage options in the state of Massachusetts.
Enhanced coverage types, features, and benefits
Safety Insurance offers coverage enhancement endorsements to increase your protection for your home if you live in Massachusetts. The carrier offers several enhanced packages, including Safety Select, Supreme, Supreme Plus, and Complete. Safety Insurance also offers cyber liability coverage in its enhanced policies, called Safety's Home Cyber Protection.
Safety Insurance Homeowners Insurance Average Prices
Safety Insurance offers affordable home insurance. The current national average cost of home insurance is about $1,915 per year. A homeowners insurance policy from Safety Insurance averages just $1,065 per year in New Hampshire for a 40-year-old homeowner with good credit buying a policy with $300,000 in dwelling and liability coverage and a $1,000 deductible. However, while this is cheaper than the national average, it is a bit more expensive than the current state average of $1,000 annually.
Safety Insurance's home insurance policies average about $1,525 per year in Massachusetts, which is cheaper than the current state average of $1,545 annually. Safety Insurance did not readily provide cost data for its Maine home insurance policies.
What Discounts Does Safety Insurance Offer?
Safety Insurance offers many competitive discount programs for their customers, most notably for auto insurance. These discounts include the following:
- Excellent driver plus discount: Drivers who have had no accidents or incidents within the past six years can save up to 24%.
- Excellent driver discount: Drivers who have had no accidents or incidents within the past five years can save up to 10%.
- Group discount: Drivers who participate in the In-Control Crash Prevention Training can receive a group discount of up to 5%.
- Multi-policy discount: Offered to policyholders when bundling multiple policies where they can save up to 10%.
- Loyalty discount: Offered to customers who stay with Safety Insurance for a continuous time period (up to 4%).
- e-Customer discount: Customers can earn up to 7% off their bill when they meet the criteria for an account credit and select combined account billing with an electronic bill.
- Multi-car discount: Customers can save up to 10% on their premiums if they insure more than one vehicle through Safety.
- Good student discount: Customers with students who earn a B-average or better, or are on the Dean's List or Honor Roll can earn up to a 10% discount.
- Student away at school discount: Offered to customers who have students on their auto policies who are at least 100 miles away at school and don't have regular access to a vehicle.
An independent insurance agent can help you find even more discounts available through Safety Insurance.
Safety Insurance Customer Service
Safety Insurance allows customers to handle claims over the phone, on the Safety Mobile smartphone app, or via the website, 24/7.
- Phone
- Snail mail
- Mobile app
- Online claims reporting
- Safety Insurance’s department for customer service has the following hour restrictions:
| Days | Hours | ||
| Monday-Friday | 8:15 a.m. - 4:30 p.m. | ||
| Saturday | Closed | ||
| Sunday | Closed |
To ensure a great customer service experience, work with an independent insurance agent. Your agent can help handle claims and other insurance matters for you so you can enjoy your coverage.
Connect with a Safety Agent Today.
Shopping for insurance? Safety has you covered.
Safety Insurance FAQs
Safety Insurance allows customers to report claims over the phone 24/7. Customers can also submit claims and file reports online or with their smartphone at any time. However, the insurance company does not make an official claims response time frame promise on its website.
Safety Insurance's claims reporting hotline is available for customers 24/7, while the customer service department is available during typical business hours, Monday through Friday. Customers can also get in touch with the carrier via email, snail mail, online, or the smartphone app.
Customers have many choices when reporting claims through Safety Insurance. The carrier's official website doesn't detail a specific claims process, but an independent insurance agent can file claims directly for you. Your agent can also provide you with ETAs for each step of the process.
Safety Insurance's homeowners insurance costs an average of $1,065 per year in New Hampshire and about $1,525 per year in Massachusetts. These sample rates are based on a 40-year-old homeowner with good credit buying a policy with $300,000 in dwelling and liability coverage and a $1,000 deductible.
Safety Insurance has outstanding official ratings from AM Best and the BBB. The carrier offers several types of personal and business coverage and many enhancements and endorsements. Further, Safety provides plenty of discounts to help customers save money. Overall, it can certainly be said that Safety Insurance is a good carrier.
Customers can file claims, pay bills, check claims status, update policy information, and learn which types of coverage are available through the carrier's official website. The insurance company also has a presence social media presence on LinkedIn, Facebook, YouTube, and X. A mobile app is also available for easy claims reporting and policy management. Overall, Safety Insurance provides a highly user-friendly experience for its customers.
Safety Insurance offers a range of affordable coverage options and endorsements for businesses and individuals alike. Whether you're looking for business insurance, auto insurance, home insurance, or a combination, Safety Insurance might be the right choice for you.
https://www.safetyinsurance.com/
https://news.ambest.com/PR/PressContent.aspx?AltSrc=14&refnum=33458
https://www.bbb.org/us/ma/boston/profile/insurance-companies/safety-insurance-company-0021-4715
https://www.thezebra.com/insurance-companies/safety-insurance-reviews-coverage-options-and-ratings/
https://www.nerdwallet.com/p/reviews/insurance/safety-home-insurance
https://www.nerdwallet.com/article/insurance/average-homeowners-insurance-cost