Safety Insurance Review: Coverage Types and Options Explained
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Mar 24, 2022
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Here’s the Scoop
Safety Insurance is only available in three states
You can’t get a Safety Insurance quote online
Safety Insurance sells a wide range of insurance products
If you’ve just moved to Maine, Massachusetts, or New Hampshire and need a new insurance company, Safety Insurance may be able to help you protect your car, home, or business. In business for over 40 years, Safety Insurance is a reputable company with high ratings.
Keep reading this Safety Insurance review to learn more about this company and discover if Safety Insurance can get you the coverage you need.
What is Safety Insurance?
Founded in 1979, Safety Insurance is now led by CEO George M. Murphy. This company has high ratings, too. A.M. Best gave it an A-rating, and the Better Business Bureau gave Safety Insurance an A+ rating.
You can only purchase insurance from Safety Insurance if you live in one of these three states:
Massachusetts
Maine
New Hampshire
Safety Insurance products can only be purchased through independent agents. This relationship means that you won’t be able to get a quote directly from the company’s website, but you won’t have to waste your time conducting an internet search for “Safety Insurance agents near me.”
The corporate headquarters for Safety is located at 20 Custom House St., Boston, Mass. 02110.
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What insurance products does Safety Insurance offer?
If you’re looking to bundle all your insurance products with one company, Safety Insurance may be able to help you. This company provides a wide range of products, which include:
Auto insurance
Homeowners insurance
Dwelling fire insurance
Personal umbrella
Commercial auto
Business owners insurance
Commercial umbrella
While Safety is nearly a one-stop shop for insurance, not all products by Safety Insurance are offered in all three states that the company provides coverage to, and you can’t purchase any type of life insurance through Safety. If you need life insurance, you can shop online to find a company that can provide you with the necessary coverage.
Are Safety Insurance’s car insurance rates affordable?
You’ll need to contact an agent who sells Safety Insurance to determine how much you may pay for coverage, but you can use the data table below to discover the average cost of comprehensive car insurance in your home state:
Average Monthly Comprehensive Car Insurance Rates by State
StatesAverage Monthly Comprehensive Rates
*Industry Average$157
Alabama$135
Alaska$93
Arizona$139
Arkansas$108
California$172
Colorado$168
Connecticut$149
Delaware$148
District of Columbia$155
Florida$164
Georgia$165
Hawaii$99
Idaho$78
Illinois$93
Indiana$105
Iowa$105
Kansas$147
Kentucky$170
Louisiana$227
Maine$86
Maryland$172
Massachusetts$102
Michigan$192
Minnesota$99
Mississippi$158
Missouri$138
Montana$167
Nebraska$139
Nevada$134
New Hampshire$106
New Jersey$146
New Mexico$140
New York$193
North Carolina$110
North Dakota$143
Ohio$92
Oklahoma$121
Oregon$154
Pennsylvania$128
Rhode Island$229
South Carolina$112
South Dakota$137
Tennessee$103
Texas$152
Utah$138
Vermont$92
Virginia$109
Washington$123
West Virginia$116
Wisconsin$106
Wyoming$146
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As illustrated above, different states carry very different rates for insurance. Remember that your rates may vary from those shown as insurance companies take more than just your location into account when calculating rates. When requesting quotes, you must be prepared to share your full name, car type, and driver’s license number so insurance companies can determine how much of a risk you pose to insure.
Is it easy to file a claim with Safety Insurance?
Thankfully, Safety Insurance makes filing a claim simple. You can call 800-951-2100 to file a claim at any time, contact your local agent, or file a claim online. Remember that when filing a collision or comprehensive claim, you will need to pay a deductible. Some companies offer a $0 deductible, but you will need to review your Safety Insurance quote to see if this option is available.
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Does Safety Insurance have a mobile app?
You can manage your account from the Safety Insurance website and access a robust customer support system online as well. You can also use the Safety mobile app to:
Make your insurance payment
Report a claim
View your Safety auto insurance card
Access your agent’s contact information
View your claims history
Set alerts for upcoming payments or expiration dates for your license, registration, or inspection
With easy-to-use tools, Safety Insurance puts client convenience first and allows you to review your policy whenever you have time to do so.
What You Need to Know About Safety Insurance
While Safety Insurance doesn’t share sample rates on its website, this company does provide consumers with tools like a mobile app that puts them in control of their policy. You will need to contact an independent agent to get a quote, though, which could be too time-consuming for individuals who are always on the move.
Safety Insurance also doesn’t sell life insurance, so if you are looking for final expense coverage or want to grow your wealth, you’ll need to look elsewhere. If you live outside Safety Insurance’s coverage areas or need an insurance product that Safety Insurance doesn’t provide, you can shop online to find an insurance company that can cater to your needs.
