Safety Auto Insurance Review for 2024

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

UPDATED: Jun 20, 2022

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Safety Insurance has been around since the very late 1970’s. During that time, they have grown to offer commercial auto, business owner insurance, homeowner’s, fire, and umbrella insurance; but their most popular insurance coverage is their personal automotive insurance coverage. As a matter of fact, more than two-thirds of their profits come from underwriting car insurance policies in New Hampshire and Massachusetts.

Safety Insurance Review

The ratings for Safety Insurance are strong in some areas, but could use some improvement in others. Their financial strength, according to AM Best, is stable enough to earn the company an A rating. This means that, should you need to file a claim, you won’t have to worry about them denying your claim due to lack of company funds. As far as customer satisfaction goes, some sources rate them highly, while others have a significant number of customer complaints on file.

Ratings Agency Rating
AM Best (2016) A
Better Business Bureau (2016) A+
BBB Composite Score (2016) 3.76/5 stars
NAIC Complaint Index (2012) 0.31 (Better than Average)
JD Power & Associates Auto Insurance Study (2013) 2 / 5 (Below Average)

Safety Insurance Discounts

It’s difficult to find an automotive insurance company who doesn’t offer unique discount options these days. But because state laws differ between MA and NH, not all discounts may be available in all areas. Likewise, the maximum possible savings you might qualify for may not be exactly the same as advertised on their website. Your best bet is to contact a Safety Insurance agent near you for more specific details:

Discount Amount Maximum Possible Savings
Excellent Driver Discount 10 – 24%
Control Crash Prevention Program / Safe Roads Alliance 5%
Multi-Policy Discount 6 – 10%
Good Student (B, Dean’s List, Honor Roll) 10%
Student Driver Away from Home 10%
Hybrid Vehicle 5%
Electronic Billing Customer 7%
Safety Loyalty Customer 4%

(* 2016)

Safety Insurance Auto Insurance Options

The insurance coverage options available to you will depend on whether you live in Massachusetts or New Hampshire. Regardless of your state, though, Safety insurance policies include Liability coverage (property damage and bodily injury) and Collision coverage. Massachusetts policies also include no-fault Personal Injury Protection as per state law. Beyond that, you can add the following options to your policy if you live in New Hampshire:

  • Safety Shield Coverage – includes Collision Deductible Waiver, Full Glass Coverage, Emergency Road Travel Expenses, Airbag Mechanical Failure Coverage, and Extended Substitute Transportation (rental car) Coverage
  • Auto Loan/Lease Gap Coverage – if you suffer a total loss on a leased or financed vehicle, Safety pays the total cost of a replacement vehicle

In Massachusetts, your coverage options are a little more extensive. You can choose between Safety Shield Coverage, and Safety Shield Plus. The MA Safety Shield coverage includes:

  • Disappearing Collision Deductible
  • Rental Vehicle Loss of Income Coverage
  • Guaranteed Replacement Cost
  • Personal Effects
  • Emergency Road Travel Expenses
  • Supplemental Towing and Labor
  • Air bag mechanical failure
  • Extended Substitute Transportation (vehicle rental)

While the Safety Shield Plus coverage includes everything in the Safety Shield package and adds:

  • Accident Forgiveness
  • Expanded Personal Effects Coverage
  • Pet Coverage
  • Seat Belt Coverage
  • Bail Bonds

Drivers in Massachusetts also have the option of adding Auto Loan/Lease Gap Coverage to their policy.

Comparing Safety Insurance Quotes

Any automotive insurance company can claim to offer the most competitive rates in your area. And sometimes they may be telling the truth – for certain types of drivers, that is:

Safety Auto Insurance Quote ComparisonLegend: Safety Young Driver < 25Single RenterMarried HomeownersMarried Senior Couple 255075100125150175200225250$73$73$268$114

Young Driver < 25
Single Renter
Married Homeowners
Married Senior Couple






Knowing how much your prospective insurer might charge you based on your personal circumstances can help you make a more well-informed decision. Oddly enough, young drivers and single drivers who don’t own their own home are offered some pretty competitive premiums, based on the estimated quotes in the chart above. Likewise, older drivers are rewarded for their years of experience behind the wheel with favorable rates too. Conversely, married homeowners might end up paying some of the highest premiums that Safety can charge.

Pros and Cons of Safety Insurance

Pro Con
VIP Claims Centers help expedite the claims settlement process Auto insurance not available outside of Massachusetts or New Hampshire
Local expertise in Massachusetts and New Hampshire Some customers complain of a difficult claims resolution process

Drivers in New Hampshire and Massachusetts who are thinking about switching their car insurance carrier might want to consider comparing a Safety Insurance quote to other providers in their area. This is especially true if your driving profile falls into a higher risk category which most providers charge more for. But if you fall into a lower risk category, there’s a chance that Safety might not be the most affordable company in your area. And even a low rate might not be worth the headache of their claims resolution process, according to complaints from some former customers.

Corporate Headquarters
20 Custom House Street
Boston, MA 02110
Phone: 617-951-0600
Fax: 617-261-0005

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