Auto Insurance
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Get to know your auto coverage options
We understand that insurance can feel complicated. Learn more about your coverage options below, then contact a local agent to discuss the right coverage for you and your vehicle(s).
Coverage
Real-life scenario
Standard
Optional
Medical Payments
You've been hurt in a car accident and are taken to the hospital in an ambulance. This will help cover the cost.1
Property Damage
You back out of your driveway and hit your neighbor's fence. The cost to repair the fence can be covered.2
Collision
You get in an old-fashioned fender bender with another vehicle, or collide with another object on the road.
Comprehensive
You wake up to find your car has been stolen. Don't sweat it — Comprehensive will pay for the theft.
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.3
Rental Car Reimbursement
Get help paying for the cost of renting a car while yours is in the shop being repaired after a covered loss.4
We offer so many more coverage options at Safeco. Connect with a licensed independent agent to determine the best coverage options for you and your vehicle, or view additional insurance coverages below to learn more.
Save money with Safeco's safe driving rewards
Accident Forgiveness
The first accident on your policy is waived after a set number of years with Safeco without an at-fault collision or violation.5
Claims-Free Cash Back
If you were claims-free over a six-month review period, we'll mail you a check for 2.5% of your policy premium (up to 5% each year) — automatically.6
Diminishing Deductible
Our 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.7
Get rewarded for safe driving with RightTrack®
With RightTrack, we'll recognize the safe choices you're making on the road and reward you for them. Some specific behaviors observed by RightTrack include braking, acceleration, nighttime driving, and how many miles you drive. The program could save you up to $513 per year, a discount you'll keep for the life of your policy. We even guarantee a discount just for signing up and participating.8 Learn more about RightTrack
Already a Safeco customer? Download the mobile app
Download and log in to the app with TouchID or FaceID to: 
- Obtain ID cards9
- Pay your bill
- View policy documents
- Get roadside help when you need it
Common auto insurance questions
Looking for answers? Browse the most frequently asked questions below, or contact an agent with your auto insurance questions today.
- Your age, where you live, the kind of car you drive, and your driving history all work together to help determine your auto insurance rate (also called your premium, or more simply your price).
That said, when it comes to your car insurance rate not everything is in your control. An increase in distracted driving incidents, higher medical and/or auto repair costs, and more drivers on the road can all contribute to generally higher rates. - We offer a variety of auto insurance discounts to help you save. Safe drivers specifically can save the most: Accident-free drivers, those that take an accident prevention course, and vehicles with specific safety features included may all be eligible for a discount.
We also offer additional discounts for bundling your auto, home, and other policies with Safeco. Be sure to connect with your agent to understand what additional discounts you may be eligible for when you insure through Safeco. - We sell Safeco insurance exclusively through our network of independent agents. Why? Because we believe that our agents provide customers with expert advice that ensures you have the most appropriate coverage for you and your vehicle.
Beyond the point of purchase, agents are also an excellent advocate to have if and when you file a claim. They'll help you understand the claims process, including when and how to file, while providing peace of mind knowing that you have an insurance professional in your corner. So what do you have to lose? Connect with a local Safeco agent today.
1Coverage requirements vary by state.
2Minimum requirements vary by state.
3Optional endorsement. Applies to a covered total loss. Your car must be less than one year old, have fewer than 15,000 miles, and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Availability may vary by state.
4Rental Car Reimbursement is provided under the Loss of Use optional coverage. Elected rental car coverage daily limits will apply. Damage must be a covered loss. Payment will be limited to that period of time reasonably required to repair or replace the auto (or your policy limit, whichever comes first). May vary by state.
5Accident Forgiveness is subject to terms and conditions of Safeco's eligibility guidelines. Not available in CA, and may vary by state.
6Safeco 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. Not available in all states. Terms and conditions apply.
7Diminishing Deductible available only with certain coverage endorsements when collision coverage applies to your policy. Limitations apply. Not available in all states.
8The RightTrack®discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Safeco Insurance Company of America and/or its affiliates, 175 Berkeley Street, Boston, MA 02116. © 2025 Liberty Mutual Insurance
9Insurance ID cards are permitted in most states; however, some states do not permit the use of Mobile Insurance ID cards as proof of insurance.