More than 300,000 customers have bought their car insurance coverage from Illinois-based Safeway Insurance. This guide offers a close look Safeway Insurance reviews, cost, customer service, and financial strength, so you can decide if it’s the right insurer for your vehicle.
If you are new to car insurance shopping, you can also explore more provider options in our review of the best car insurance companies in the market. You can use the tool above to see what’s available in your state and compare quotes.
About Safeway Insurance
Founded in 1959, Safeway Insurance is the largest, privately owned, family-owned insurance company in the U.S. and sells auto insurance in Alabama, Arizona, Arkansas, Illinois, California, Texas, Tennessee, New Mexico, Mississippi, Louisiana, Georgia, and Colorado.
Safeway Insurance Group has a financial strength rating of A (Excellent) from AM Best and is comprised of four members: Safeway Insurance Company, Safeway Insurance Company of Alabama, Inc., Safeway Insurance Company of Georgia, and Safeway Insurance Company of Louisiana.
While Safeway Insurance previously sold home insurance, auto insurance is its only line of business today and is sold through a network of more than 3,000 independent agents. The company is headquartered in Westmont, Illinois, and has regional offices in all the serviced states.
In 2018, the Safeway Insurance Group wrote over $272 million in total private passenger auto premiums.
Safeway Auto Insurance Coverage
Safeway Insurance provides standard auto insurance options and ensures you comply with state laws. The main types of coverage offered are:
- Liability coverage
- Collision coverage
- Comprehensive insurance
- Personal injury protection
- Medical payments
- Uninsured motorist coverage
While Safeway offers only the basic types of auto insurance, these options should suit the needs of most drivers.
How Much Does Safeway Auto Insurance Cost?
Every company has its own pricing strategy, but in general, you can expect the following factors to determine your final insurance cost:
- Your age, gender, and marital status
- Where you live
- Your driving habits, driving record, and insurance history
- The vehicle you drive
- The type of coverage and limits you choose
According to data from Quadrant Information Services, the average annual rate estimate of a Safeway Auto Insurance premium in Louisiana is $3,281. This estimate was based on the profile of a 35-year-old with good credit and a clean driving record. The national annual rate estimate for car insurance was $1,732 on average, so Safeway Insurance promises car insurance at a great value.
While Safeway provides coverage for all drivers, its offerings appear to be targeted toward drivers looking for no-frills coverage at the cheapest rates. If you belong to this category, we recommend comparing your Safeway Auto Insurance quote with quotes from other specialized non-insurance providers to see if you are getting a good rate.
Safeway Insurance Discounts
Insurance discounts are a huge selling point for most insurance companies, but Safeway Insurance doesn’t list any available discounts. If you decide to buy Safeway Auto Insurance, do not forget to ask your agent if you would be eligible for any special discounts. Customers can usually find lower rates for paying in full, setting up automatic discounts, or having a student away at school.
Safeway Insurance Reviews
Being a multi-location business, Safeway Insurance has more than 15 listings on the Better Business Bureau. Some of the Safeway car insurance locations are accredited with BBB while others are not. The ratings for these listings vary widely from A+ to F to Not Rated.
Many of the Safeway Insurance reviews on BBB are negative and filed by people who were in accidents with drivers insured by Safeway Insurance. We also found a few reviews submitted by Safeway Auto Insurance customers who were unhappy with the lack of communication during the claims process.
We suggest looking up customer reviews for your Safeway Auto Insurance office location to get an accurate picture of the local customer service quality.
Positive Safeway Insurance Reviews
I’ve had Safeway for auto insurance for my vehicle and my two children’s vehicles for several years and I have never had an issue with them. I recently had an accident – my first in decades – and it was handled very professionally and very efficiently.
– Jan M. via Yelp
Negative Safeway Insurance Reviews
[The] worst company I’ve ever had to deal with their claims adjusters have absolutely no knowledge of what the laws of insurance are and refuse to pay out claims.
– Sheena L. via Yelp
[H]ad a fender bender with one of their customers, I have State Farm […] The other driver admitted fault and was understanding. From Tuesday afternoon [until] Friday, [I have] been calling Safeway [and] and wasn’t able to get a hold of them until Monday.
– Alex M. via BBB
Safeway Insurance Customer Complaint History
If you look at the National Association of Insurance Commissioners (NAIC) complaint index for Safeway Insurance companies in 2020, Safeway Insurance Company scores 3.94, Safeway Insurance Company of Georgia scores 2.86, Safeway Insurance Company of Alabama scores 0.0, and Safeway Insurance Company of Los Angeles scores 4.88.
The NAIC complaint index is calculated by dividing the company’s complaint share by the company’s premium share. The national complaint index is 1.0, meaning that Safeway’s 3.94 score indicates 4 times as many complaints as expected from an insurer of its size.
Many people like having an online portal or a mobile app that can help them manage their insurance policies from their homes, which is why we look into these factors in our reviews. While Safeway Insurance doesn’t have an app, customers can use their MySafeway accounts to make online payments, print their insurance ID cards, and check claims status on the website.
Safeway Auto Insurance Rating: 3.0 Stars
We rated Safeway Auto Insurance 3.0 out of 5.0 stars due to a lack of consistency in its customer service experience across different locations. If you live in any of the 11 serviced states and are looking for basic car insurance coverage, you might consider getting a quote from Safeway Insurance.
If you plan to get Safeway Auto Insurance, we believe it would be a good idea to discuss your policy needs with an agent to find out if the company can match up to its promises in terms of coverage and price.
Safeway Insurance Pros And Cons
Safeway Insurance doesn’t offer insurance quotes over the phone or online. The only way to get a quote for your policy is from an agent. If you do prefer an online experience, we recommend using this quick tool to get matched with free, personalized quotes in your area.
Our Recommended Providers
Getting multiple quotes is always the best way to ensure you get the most affordable rates for your coverage. You can use our recent best auto insurance company reviews to look for a company that ticks all the right checkboxes, whether it is coverage, cost, customer service, or financial stability.
If you are a military family, you can’t find a better provider than USAA car insurance. Our team gives USAA a rating of 4.8 out of 5.0. It is affordable, available nationwide, and has outstanding customer service. It offers basic coverage as well as roadside assistance, rental reimbursement, accident forgiveness, glass coverage, guaranteed asset protection, and car replacement assistance. For more information, read our USAA auto insurance review.
With a 4.6 rating out of 5.0, Geico was ranked Best Overall insurance company in our review. Competitive pricing, wide coverages that go beyond the basic options, excellent financial stability, and strong customer service make this company a great choice for all customers. For more, read our Geico review.
Progressive car insurance, which also won a spot in our top three insurance providers with a 4.6 rating out of 5.0, is another company known for its great discount options, wide coverages, and strong financial stability. Also, its prices are very competitive, even if you have a DUI on your record. For more information, read our Progressive insurance review.
FAQ: Safeway Insurance Reviews
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.