How Much Does Safeco Car Insurance Cost?

Warning

Liberty Mutual announced that in 2026, they will retire the Safeco Insurance brand, which has served as its independent agent channel since Liberty Mutual acquired Safeco in 2008.

Choosing a car insurance provider can feel overwhelming. If you're considering Safeco, a subsidiary of Liberty Mutual, understanding what you'll actually pay can help you decide if it's the right fit. That said, we recommend gathering quotes from several providers to ensure you're getting the best deal if you want to save money on your car insurance.

Safeco car insurance pricing per month

Safeco charges $150 per month on average for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage pay an average of $91.

Keep in mind these are average figures. Your personal rate will fluctuate depending on factors like age, location, credit score, and driving history. While your actual Safeco rate may be different, these averages provide a useful benchmark when shopping around.

	Safeco average monthly cost	National average monthly cost
Full coverage	$150	$186
Liability-only	$91	$104

Safeco's rates versus other car insurance providers

Each company evaluates risk and applies discounts differently, which means pricing varies widely. Comparing quotes will show you how Safeco measures up for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
Safeco	$150	$91

Safeco's rates by age

Age plays a significant role in Safeco's pricing structure, as it does with most insurers. Car insurance for teen drivers runs highest, with full-coverage premiums averaging $334 per month.

Rates tend to decrease as you move into your 20s, where Safeco averages $173. Premiums continue declining through your 30s at $166 and into your 40s at $172.

The most affordable rates typically go to drivers in their 50s and 60s, with averages of $152 and $133 per month.

Once you reach your 70s, premiums tend to climb again to around $135 monthly. This pattern demonstrates how insurers price risk across different life stages.

Age group	Safeco average monthly full coverage cost	National average monthly cost
Teens	$334	$360
20s	$173	$242
30s	$166	$199
40s	$172	$191
50s	$152	$177
60s	$133	$159
70s	$135	$162

Safeco's rates for high-risk drivers

Traffic violations and accidents on your record will push your Safeco rates higher. High-risk drivers with a speeding ticket average $209 per month. An at-fault accident brings monthly costs to approximately $221.

DUI convictions result in the steepest increases, with monthly premiums averaging $252. Your actual rate will vary based on when the incident occurred and other individual rating factors, but these numbers show typical high-risk pricing.

Driving record	Safeco average monthly full coverage cost	National average monthly cost
Accident	$221	$249
Speeding ticket	$209	$241
DUI	$252	$275

How does your credit score affect your rate with Safeco?

Your credit score influences insurance rates in all states except four: California, Hawaii, Massachusetts, and Michigan.

Where credit matters, Safeco adjusts pricing according to your credit tier. Drivers with excellent credit average $136 per month. Good credit brings slightly higher premiums at $144.

Monthly costs rise to $164 for those with average credit. Poor credit results in the highest premiums, averaging $184 per month.

Your credit tier can significantly impact what you pay, though your final rate also reflects other personal variables.

Credit score	Safeco average monthly cost of full coverage	National average monthly cost
Excellent	$136	$164
Good	$144	$179
Average	$164	$194
Poor	$184	$228

FAQs

How does Safeco's Claims-Free Cash Back program work?

Safeco's unique Claims-Free Cash Back program automatically returns up to 5% of your premium annually if you avoid filing at-fault claims. You'll receive a check worth 2.5% of your policy premium for every six-month period you remain claims-free. This differs from traditional loyalty discounts because Safeco proactively sends you money back rather than requiring you to request a discount or renewal credit.

Can I get a Safeco car insurance quote online?

Safeco does not offer online quoting through their website. You must work directly with an independent insurance agent to receive a personalized quote and purchase coverage. You can use Safeco's agent locator tool on their website to find a local agent in your area.

Does Safeco offer accident forgiveness?

Safeco provides accident forgiveness for eligible drivers who maintain a clean driving record for several years with the company. Your first at-fault accident could be forgiven, meaning it won't cause your rates to increase. However, availability varies by state, and this benefit is not offered in California.

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Bottom line

Should you choose Safeco as your car insurance company? Getting quotes from Safeco and other insurers lets you compare both pricing and service to make the best choice.

Data throughout provided by Insurify.

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