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Safeway Auto: Offering Automotive Insurance Coverage in 13 States

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Safeway can trace its start all the way back to 1959. Today, it is the self-professed largest privately held and family owned insurance company in the US. They have spotty coverage across Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Illinois, Louisiana, Mississippi, New Mexico, Tennessee, and Texas with over 3,000 agents underwriting policies across the country. Because coverage isn’t available in all states, or in all major cities in their operating states, you’ll have to get in touch with a local agent to confirm that Safeway coverage is available in your area.

Safeway Auto Insurance Review

On the surface, it seems as through Safeway has some positive ratings. They have earned an A+ from the Better Business Bureau, and also an A rating of “excellent” from AM Best with regard to their financial strength. However, it should be noted that AM Best goes on to say that the predicted outlook for Safeway auto is “negative”. And on their BBB website listing, 14 of their 24 recorded complaints have all be filed within the last 12 months.

Rating’s Agency Rating
AM Best Financial Rating (2016) A (Excellent)
Safeway NAIC Complaint Index (2012, Average) 2.88
NAIC Median Industry Complaint Index (2012) 1.31
BBB (2016) A+

Safeway Auto Insurance Discounts

Safeway doesn’t exactly advertise all of their available discounts, or how much you can expect to save with their discounts. This may be due to the fact that state laws vary so much when it comes to insurance coverage, so not all discounts may be available in all areas. Or they might not offer the same amount of savings from one state to another. But if you get in touch with a Safeway agent, be sure to ask them what discounts are available in your area, in addition to the discounts below:

Discount Type Discount Amount
Prior Proof of Insurance 5%
Multi-Car Policy 12%

Safeway Auto Auto Insurance Options

Strangely, Safeway doesn’t advertise their available coverage options either. They only vaguely hint at their policies being able to protect your vehicle under the following circumstances:

  • If your vehicle needs repairs
  • If you have medical expenses as a result of an automobile accident
  • If you need the bare minimum coverage necessary to comply with state law

But you do have additional coverage options with Safeway. If you have the money and wish to purchase more coverage, you can add the following to your policy:

  • Uninsured Motorist coverage
  • Coverage that protects against auto theft
  • Coverage for legal actions/expenses resulting from an accident

In order to make a well-informed decision, it’s a good idea to get in touch with a local Safeway agent near you and ask them to explain the difference between their available coverage options, and the types of coverage that automobile insurance companies usually offer.

Comparing Safeway Auto Insurance Quotes

Because of Safeway’s business model, which is dedicated to personal customer service, it can be difficult to get a quote from them without first divulging lots of personal information. That being said, if you do decide to request a Safeway quote, make sure you compare it to what other companies are offering in your area:

Average Auto Insurance Quote Comparison Legend: Allstate State Farm Mercury Average Rate Illinois Average California Average Texas Average Florida Average New York Average 50 100 150 200 250 300 350 $52 $34 $89 $34 $146 $139 $88 $64 $71 $89 $260 $105 $147 $230 $353 $126 $72 $93 $231 $93

 
The estimated quotes in the chart above can give you a good idea of what you should be paying based on where you live and what most providers tend to offer. However, your personal circumstances will alter what you might be expected to pay, so making sure that you compare accurate quotes based on your personal circumstances is very important.

Pros and Cons of Safeway Auto Insurance

Pro Con
Dedicated to personal customer service No national coverage, and spotty regional coverage
Lack of information on their website and inconsistent responses from agents / representatives

If Safeway offers automotive policies in your area, and you’re thinking about switching companies, it can’t hurt to compare quotes from Safeway with other local providers near you. However, keep in mind that they do seem to have issues with customer satisfaction, and that their financial strength outlook is predicted to be negative. But if they quote you a competitively-priced monthly premium, and you don’t anticipate getting into any serious accidents any time soon, Safeway might be the more affordable option for you.

Corporate Headquarters
790 Pasquinelli Drive
Westmont, IL 60559
www.safewayinsurance.com
Phone: 630-887-8300
Fax: 630-887-9101
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