Safeway Car Insurance Review (With Quotes, 2023)

For nearly 65 years, Safeway Insurance company has provided auto insurance for drivers. The average cost of a car insurance policy with Safeway is $106 per month. While it offers policies in 12 states throughout the U.S., the insurance company does not provide online quoting or immediate coverage through its website, making it a little inconvenient for insurance shoppers.

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Safeway Industry Rankings and Scorecard

One thing to consider is how well an insurance company rates among competitors in its industry. Safeway Insurance Group gets an A rating from A.M. Best. It also earned an A+ rating from the Better Business Bureau (BBB). However, the company doesn’t have ratings from J.D. Power.

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Safeway Car Insurance Quotes by Driver History

Safeway auto insurance rates vary based on driver history. Drivers with a clean record typically pay less than people who have past accidents, speeding tickets, or DUIs. Rates also reflect the experience of the driver (age), location, and credit score. Older motorists who live in lower-risk areas with good credit pay the lowest car insurance rates.

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Safeway Car Insurance Quotes by State

Safeway car insurance is headquartered on Pasquinelli Drive in Westmont, Illinois. However, it sells policies in 12 states. Rates will vary by state. Some states pose higher risks for drivers, such as natural disasters or different state insurance requirements.

Safeway Car Insurance Pros and Cons

Safeway Car Insurance has competitive premiums compared to other insurers, but not for every type of driver. For example, Safeway cannot accommodate people who prefer to bundle insurance and buy home, auto, and other policies in one place. But if you prefer working with the same agent each year, Safeway relies primarily on local agents for sales and claim notices.

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Safeway Car Insurance Discounts

Safeway car insurance does not list auto policy discount options on its website. However, you may discover discounts that apply to your situation by contacting an insurance agent who sells Safeway policies.

Driver-Based Discounts

Strangely, unlike most insurance companies, Safeway does not advertise discounts they offer policyholders. Some common discounts from other insurance companies include safe driving, multi-vehicle, good student, or homeowners discounts that may be available to policyholders.

Policy-Based Discounts

Although discounts aren’t listed on Safeway Car Insurance’s website, you may discover policy-based savings by contacting an insurance agent with the company. Ask about discounts for online quotes, paperless documents, paid-in-full, or automatic payments.

Bundling Discounts

Combining home insurance and renters insurance can be an easy way to lower your premium. But Safeway only offers auto insurance. Because it doesn’t sell additional policies, bundling discounts may not be available to policyholders. If you’re looking to save on car insurance and are a homeowner or renter, you should consider another company that will offer you a discount.

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Safeway Car Insurance Coverage Options

Safeway’s website does not include details about their car insurance coverage options. However, other reviews point out that Safeway sells standard coverage without unique coverage offerings, like rental car reimbursement or roadside assistance.

Liability Insurance

Safeway insurance includes standard liability protection if you cause property damage to someone else’s belongings. Liability insurance helps cover the cost to repair or replace another driver’s vehicle or other property like a mailbox or fence. Bodily injury coverage pays for the other driver’s or passenger’s medical expenses.

Personal Injury Protection (PIP)

Personal injury protection (PIP) helps cover the medical bills for you and your passengers after an accident. In addition, PIP can reimburse you for other expenses, like lost wages.

Full Coverage

Collision and comprehensive coverage can pay to repair your vehicle after an incident. Collision insurance includes damage to your car due to collision with another vehicle, road hazard, or losing control of the car. Comprehensive insurance repairs your vehicle after incidents involving animals, natural disasters, vandalism, or theft.

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Safeway Car Insurance Reputation

Third parties like J.D. Power don’t offer ratings for Safeway, making it difficult to determine an objective reputation for the company. However, current and past Safeway car insurance customers give the company mixed reviews.

Safeway Customer Service

Safeway insurance reviews vary between praising the company for having helpful customer service and stating it’s difficult to reach someone to discuss the policy. However, customers who contact an independent agent with a phone number tend to have the smoothest experience.

Safeway Claims Filing Process

Customers can make an account at MySafeway to start and manage a claim. However, many online reviews point out they have faced delays and denials to valid claims. Typically, even comments that praise Safeway note that communication is difficult.

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Safeway: Is it right for you?

Some motorists may find the best prices with Safeway. However, since it does not provide quotes on its website, the easiest way to find the best rate for car insurance is to use Insurify. Insurify uses cutting-edge software to give you dozens of car insurance quotes to compare in less time than it takes to make a cup of coffee.

Frequently Asked Questions