Safeco Insurance Reviews 

AVOID! They put their bottom line before the safety of their customers. They are forcing me to drive a vehicle that has a 3 inch crack (center of driver side) in the windshield because it doesn't meet their 6 inch criteria.... even though an attempt to fill it failed. Why is that these types of decisions in other industries sends people to jail, but insurance agencies can get away with it? I'm switching ASAP, even if it's more expensive.

While Safeco initially appeared to be a suitable choice, I encountered
significant challenges with their customer service. The staff seemed
undertrained and were not particularly helpful. Consequently, I decided to
cancel my car insurance policy before its end date. Although I initiated a stop
payment request, Safeco issued a refund that was $2 less than expected.

Their customer service and billing departments were not clear in explaining the
discrepancy, attributing it to a "service account fee" despite the policy not
being renewed. After my bank approved the stop payment, I requested that the
refunded amount be reversed. Instead of resolving the issue, Safeco sent me a
bill for the full amount plus $2, making it an extra $4 for their service fee. I
highlighted that even credit card companies do not charge service fees when no
balance is due; however, this point was ignored.

Overall, I found Safeco's employees lacked competence, and their policies were
challenging. Despite a potentially higher cost, it may be worthwhile to opt for
an insurance provider that demonstrates reliability and effective customer
support. I recommend exercising caution when considering Safeco as a service
provider.

Safeco has increased my homeowner insurance X 2 in five years. Absolute ripoff. Look elsewhere.

Bogus company.. Stay away from them
I canceled my policy & was charged 35% shorting penalty. Just had the policy for 25 days in the 2nd term of the 6 month part annual and was charged $300. Paid $930 and received only $630 when I canceled in just 25 days. When asked about the formula how they prorated 25 days & what was the penalty, the customer care has no details, tried 3 times their customer care, they told me we don't know the formula and it is called shorting, one of the customer agent ridiculously asked me to Google the details about what's percentage and how it is calcuated.
It is like tomorrow they can deduct any money from someone else canceling the policy and just telling them it is shorting penalty.

Whatever amount Safeco want to penalize, I am fine with it but at least provide the details to customer how much was penalty and how much was pro rated charge for holding my policy for 25 days. How did it come $300 penalty.

The home insurance price was also insanely increased from $1999 to $3300 this year. Checked the market and got my home insured for just $1669 with more added benefits compared to Safeco. Clearly they are behaving greedy now, so get yourself a favor and stay away from this company.

We have been with these people for 8 years. We have time and time again asked if there was anything we could do to reduce the monthly cost of our insurance. Finally I asked for an itemized list of charges. Come to find out, we were paying for instead couldn’t even use because our cars didn’t even qualify for the benefit. When asked to have the money back, they refused. Years of wasted monthly charges. What a POS company.

Would give 0 stars if I could. They started an auto policy in error and are impossible to communicate with. Automated phone lines just run you in circles with no way to contact them.

Incredibly harsh scoring. Excellent scores are nearly unachievable. You will fight just to get your default 10% discount back. On top of that, the app gave me phantom events (14 in a single short trip). Customer support just reminds you that you confirmed the trip so it's your own fault. I think they are trained in apathy. If you ask for a manager, you eventually get an emotionless, self-assured email saying the same thing and promising they will do nothing to respond to your concerns.

LIVID!!!!!! I should be able to cancel my policy without going through my agent. If you can continue to change my policy every other month; I should be able to speak with a live representative and cancel my policy at anytime. The customer service line is nothing but an automated line that never transfers you to a live agent. I'm furious and hate this insurance company. This company is a fraud and is stealing money from the policy holders. At no point should my policy continue to increase every other month within a 6mon policy. What I purchased initially should remain until it's time to renew the policy. This is by far the worst insurance company I've ever dealt with. I would never recommend this company to my worst enemy. This company is the epitomy of trash. If ratings would start with a zero I would definitely rate it as such. Rating it as a 1 is giving too much credit for the lack of respect this company gives to it's policy holders.

My insurance was transferred from StateAuto to SafeCo through a company merger. They didn't notify me about the new policy in any way but instead doubled my premium and notified my mortgage bank. When I finally found out and called them, they had an address in my profile that was completely not mine. SafeCo should not be allowed to run a business because it lacks basic integrity and honesty.

People really like to post negative reviews, and I am sure there can be some validity to them and sometimes not as we dont know all of the reasons and they might not either. But for me, granted they had some rate increase the past year and a half like everyone, but 2025 Jan 20th on the home and Feb 1st on the auto no rate increases in Michigan, which is awesome. And the times I have had claims, they were able to be dealt with online and via the phone.

I wish I could give zero stars to Safeco Insurance. We moved to Texas three years ago and were referred to a local Safeco insurance agent through our realtor. Initially, we paid nearly $3,900 a year for home insurance in 2023. In 2024, Safeco jacked up our rate to $5,050, which somehow missed our notice. And now, starting 2025, with **no claims whatsoever**, they raised our homeowners insurance to over **$8,600**!

We were absolutely shocked by this outrageous increase. I spent all day yesterday shopping for new insurance and shared our story with other agents, all of whom were equally appalled. Thankfully, we switched to Geico, which brought our homeowners insurance down to $3,570 per year—less than half of Safeco’s new rate! To top it off, they lowered our car insurance (also with Safeco) from $3,000 to just $1,400 annually.

Safeco's pricing practices are simply unacceptable. If you’re considering them, **think twice**. There are far better options out there that won’t gouge you with massive, unexplained rate hikes.

They delayed and delayed making payment to a body shop for a repair that was minimal Making me wait 5 weeks to get my vehicle back. I informed them that I would be out of town on a certain day due to a medical condition and I could not cancel the appointment that took me months to get. As luck would have it, the vehicle was ready to be picked up on the day I had to leave town and coincidentally it was the last day that they would pay for the rental. And of course, it was a Friday. The body shop is closed over the weekend. Safeco refused to cover the cost of the rental for two more days. The delays were their fault and I am stunned at the lack of compassion this company has. They demanded they I pick the vehicle up or I would be charged for the rental. Furthermore they notified me in the middle of the day that the vehicle would be ready that day. I was already en route to my appointment. I’m going to cancel my auto and homeowners insurance first thing. This company is awful

Got in an accident. The worst part is that "someone" (ahem, the other party) conveniently hacked the Safeco website and back-end system by using the information they obtained at the scene when we publicly traded our insurance and driver's license. They then used my info to "create" a new account emailing himself a new log-in, logged into my account and took ALL of my data including my policy limits and then got an attorney and tried to SUE for more. It was difficult to get Safeco to admit that they allowed someone to bypass any security questions I had set up, and use just my policy # and other public info to obtain access to my account. To support THEMSELVES as a company, the DID use the "hacking" evidence to successfully only pay the other party $5k, which means they didn't get away with that much in "fraud" however, what completely sucks is that the didn't support ME, their client, and didn't want to fess up that they had been hacked.

Finally, they canceled my homeowners policy without notifying me, and I only found out because I called about my auto accident only to be told that my auto policy would also not be renewed due to the fact that Liberty Mutual and SafeCo no longer want to operate in the state of California. Insurance fraud costs ALL of us more in premiums. They KNEW I was hacked and admitted that it was probably an insurance scam, and THEY PAID IT ANYWAY. Unreal.

We discovered a water leak on September 9, 2024, resulting in severe mold in our kitchen, bathroom, and laundry room. We have Extended Replacement Cost Coverage. Safeco sent 3 different people out to quote mold remediation. They did not remove the mold until November 11, 2024 because they didn't like any of the quotes from the people they sent out. My family had to breathe in black mold for 2 months. Everyone was sick in this timeframe with respiratory issues. Safeco would not pay for fans to dry anything out. We now have had the kitchen, bathroom, and laundry room ripped out from the mold remediation - meaning they are not useable. We are a family of 6 without laundry and kitchen facilities since November 11th. Safeco will not return our calls or emails to order the materials needed to repair and begin the restoration work. We are now headed into the holidays and have no way to cook. Several of the materials we need to restore the demo have lead times of 4+ months. They have provided zero guidance on what's reimbursable and what they are going to pay for. There is zero communication, despite my husband and I phoning and emailing every single day.

I got a notice letter of non-renewal from Safeco for my Safeco investment property insurance. I wanted to talk with Safeco to get more detailed photos of their claim. I called Safeco customer service and after 30 min of dialing through their phone system nearly trying every possible combination - I finally got a human! Who subsequently told me to contact my agent!
Safeco's customer service number is completely useless. It is obvious they don't care about their customers and just waste your time. And by the looks of things, they set standards higher than what is industry norm. Their rates may be low but good luck if you have any claims or try to reach customer service ! ! !

Check your computer! My agent and I have called over 15x each, all because your company could not collaborate with Key Bank to get my home insurance payment that is taken out of our mortgage received by your billing dept.

Not one person there in your customer service department took any accountabilty for ongoing comedy of errors and fixed the internal problem, instead you blame me. As if that wasn't enough, you are now threatening collections even though none of which happened with your account payable dept was our fault.

You will see many more negative reviews from me, so get use to it!

Safeco canceled my nearly 80 year old mother’s policy after she paid her premiums on time for many years. They flew a drone over her house citing mold on her roof which has never been substantiated. They did not allow her any reasonable means for remediation over this alleged issue. Instead, they targeted my elderly mother for other supposed violations. This included making accusations that her jacuzzi was empty of water and falling apart. Not true! Safeco also said her deductible would jump from $500 to $7000 which is price gouging if these issues were “resolved.” How can my 80 year old mother afford this price increase? Please do not use Cynthia C. in Orange as an agent. She is condescending and will treat you like an infant

Poor customer service. I been a loyal customer for over 20 years. Not only did they raise my premiums almost 30% for no reason on my part they would not assist me in cancelling my policy as they kept stating only my agent could do it. I also explained to Safeco Insurance via telephone that my agent failed to process my insurance requests in a timely manner over the past year and I needed to do follow up. In addition, my agent has not returned my call as promised since August 5. I informed Safeco Insurance that my agent’s customer service has been poor lately and I do not believe my written request will be handled and processed. Still Safeco Insurance refused to assist me directly.

I've been a customer for +10 years, bought my insurance through with Agent - Trieu Tod Ta, the customer service has been good until recently when I had to cancel my policy. I had to call a total of 15 times from July 24 until July 31 just to close my account ! Tod's employees were passing the work around, kept telling me to call back and that they will take care of it but they never did! And since they canceled my policy @5pm on July 31, the effective date was dragged to August 1st which then made me pay for that extra day. I reached out to get this issue resolved but they refused to acknowledge it, never apologized and now not responding to both my emails and my phone calls. Until now, I'm still fighting to get my money back; if you don't want to go through this whole experience, at least go to a different agent !

I didn't need to use my policy in the years that I had it, but they were very easy to communicate with from start to finish. Just cancelled, but I would absolutely consider going back with them if I needed to extend my policies beyond the insurer that I've consolidated them on.