Car Insurance

Customize a policy

Customized to meet your needs

For more than 85 years, Safeco has delivered new and better ways to protect cars and drivers with auto insurance. If you drive a sedan, hybrid, minivan, station wagon, SUV, pickup truck or anything in between.

Car insurance coverage options

With Safeco’s broad array of coverage options, we can tailor your policy to fit your needs and budget.

Protecting yourself

Liability Coverage

If someone is hurt or their property is damaged in an accident, Safeco will help pay for covered damages and expenses, including court costs if you are sued.

Medical Payments Coverage

Safeco will cover accident-related medical expenses up to the policy limits for anyone injured while in your car, regardless of who’s at fault. In some states, this coverage may be known as Personal Injury Protection and may cover additional expenses, like loss of wages, while you’re recovering from an accident.

Uninsured/Underinsured Motorists

If you’re injured in an accident caused by someone with minimal or no insurance, Safeco will protect you and any passengers in your vehicle.

Protecting your car


This coverage protects your car if it’s damaged from hitting another vehicle or object.


This coverage protects your car from theft, vandalism, fire, or severe weather events such as windstorms, hail, or earthquakes.

Optional coverages

New Vehicle Replacement

If you’re the original owner of a car less than one year old and fewer than 15,000 miles that has been totaled or stolen, we'll pay you the value of a comparable new car.

Loan/Lease coverage

For new vehicles that have not been previously titled, Safeco will cover any unpaid amount on the loan
or lease minus the actual cash value of the vehicle.

Save money with Safeco’s safe driving rewards

Claims-Free Cash Back™ (1)

Drive claims-free over the six-month review period and Safeco® will automatically mail you a check for 2.5% of your annual premium (up to 5% each year).

Single-Loss Deductible (4)

Available with a Safeco Package. If you experience a significant loss that is covered by your Safeco Home Policy, and have other Safeco polices that are affected, like your auto, Safeco will waive all other deductibles after the home policy deductible is paid.

Diminishing Deductible (2)

The collision deductible will decrease at every renewal if there are no claims filed against your policy. The deductible will continue to decrease for up to five years or until the $500 maximum
is reached.

Accident Forgiveness (3)

The first accident on your policy is waived after a set number of years with Safeco without an at-fault collision or violation.

Discounts and savings opportunities

  • Safeco Package
  • RightTrack®
  • Low Mileage
  • Billing Plan
  • Specialty Policy
  • Good Student
  • Advance Quote
  • Accident-Free
  • Violation-Free
  • Anti-Theft
  • Preferred Payment Methods

RightTrack® Discount

1. Enroll

Make sure you sign up for RightTrack when you purchase your Safeco Auto policy

2. Download

Simply download the Safeco RightTrack app from the iTunes App Store or the Google Play Store and follow the steps to register.

3. Drive

You'll drive with the program for 90 days. At any time, you can check your progress and performance in the app.

4. Save

Your final discount will be applied to your premium once we've reviewed your results. You could see savings up to $513 per year on your premium.*

Protection when you need it most

When you have a claim

If you have an accident, Safeco promises to help you get back on the road as soon as possible. Should you ever need to file a claim, help is just a click away at or on the mobile app, or by calling Safeco Claims at 1-800-332-3226. Safeco’s claims service is fast, hassle-free, and available to assist you 24/7.

Call Now for your Free Quotes

(833) 7SAFECO

1Safeco will review policies twice a year. In order to receive the reward, customers must have no AT-FAULT claims reported to the Safeco policy system in the prior six months. For the purposes of this review, we will not consider the following: Claims for which you are not at fault, as determined by us; at-fault claims that fall under the current threshold for surcharging; and Comprehensive-only claims. Customers with a late payment that is outstanding on the day the policy is reviewed will not receive the reward. Cash back amount is calculated based on policy term written premium as measured at the time of the claims-free review. Available to 12-month Superior and Ultra Safeco auto policies. 2Diminishing Deductible available only with certain coverage endorsements when collision coverage applies to your policy. Limitations apply. Not available in all states. 3Accident Forgiveness is subject to terms and conditions of Safeco’s eligibility guidelines. Not available in CA, and may vary by state. 4Not available in all states.