Father laughs with his daughter in front of their car.

Car insurance coverages

Keeping you covered wherever you're going

Father laughs with his daughter in front of their car.

Standard coverage that protects you



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

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.

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.

Your auto insurance coverage options

With Safeco's broad array of auto insurance coverage options and features, your independent agent can tailor your policy to fit your needs and budget.

What we offer
What it does
Claims Free Cash Back
If you were claims-free over the six-month review period, we'll mail you a check for 2.5% of your policy premium (up to 5% each year) — automatically.1
Diminishing Deductible
When you maintain a clean driving record, your deductible will be reduced by $50 for a six-month auto policy or $100 for an annual auto policy—at every renewal, up to a maximum of 5 years or $500.2
Guaranteed Repair Network
Select a Guaranteed Repair Network shop for your car, get an estimate, get it fixed, and get back on the road. If anything goes wrong from there, you're covered with Safeco's President's Guarantee™.3
New Vehicle Replacement
If you're the original owner of a car less than one year old that has been totaled or stolen, we'll pay you the value of a comparable new car.4
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.5
24-Hour Roadside Assistance
Covers towing to the nearest qualified repair shop and other basic emergency services. Safeco Roadside Assistance will help you change a flat tire, deliver gas, oil, or other essential fluids, and send out a locksmith if you're locked out of your car.6

We offer so many more coverage options at Safeco. Connect with a licensed independent agent near you to determine the best coverage options for you and your vehicle.

Start with a quote — finish with an agent

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.7
Learn more about RightTrack
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. Not available in all states. Terms and conditions apply.
2Diminishing Deductible available only with certain coverage endorsements when collision coverage applies to your policy. Limitations apply. Not available in all states.
3Guaranteed Repair Network not available in Rhode Island or Massachusetts. In these states we offer you our Superior Service Program (SSP), which is similar to the Guaranteed Repair Network. However, the estimate is completed by a Safeco Insurance appraiser. For more information, speak with your Safeco Insurance Claims Representative.
4Optional 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.
5Rental 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.
6Optional coverage. Roadside Assistance package includes towing to a qualified facility or location within 15 miles, delivery of fuel or fluid (costs of these items not included), and changing of flat tires only with Safeco's insured's inflated spare. May vary by state.
7The 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. © 2024 Liberty Mutual Insurance