Safety Car and Home Insurance Review
- Cheapest full coverage car insurance in New Hampshire
- Cheap home insurance in Massachusetts
- Excellent complaint scores
- Only available in Massachusetts, New Hampshire and Maine
- High home insurance rates in New Hampshire
Is Safety a good insurance company?
Safety is a good company for cheap car insurance in Massachusetts, New Hampshire and Maine.
Its car and home insurance rates are both less than the state averages in Massachusetts, which can make it a good deal for bundling
The company also has the cheapest full coverage car insurance in New Hampshire, although there, the higher home rates can reduce some of the potential savings for bundlers.
Safety gets excellent complaint scores for car and home insurance from the National Association of Insurance Commissioners (NAIC)
Safety’s overall customer satisfaction
Safety insurance ratings
| Complaint rating (auto)* | Complaint rating (home)* | JD Power rating (auto)* | |
|---|---|---|---|
| Safety | 0.2 (Excellent) | 0.2 (Excellent) | 617 (Below average) |
| Concord Group | 0.7 | 0 | Not rated |
| Plymouth Rock | 0.9 | 0.2 | 601 |
| Amica | 0.5 | 0.2 | 735 |
| U.S. average | 1.0 | 1.0 | 625 |
Safety does not offer online quotes, but its website can help you find an independent agent near you for help. The independent agents who work with Safety can usually get you quotes from other companies, too.
How much is Safety car insurance?
Safety charges an average of $105 a month for full coverage
Safety auto insurance rate comparison
| Company | Full coverage (monthly) | Minimum coverage (monthly) | |
|---|---|---|---|
| Safety | $105 | $54 |
 | Concord Group | $108 | $42 |
 | Travelers | $135 | $59 |
 | Plymouth Rock | $140 | $67 |
 | Progressive | $160 | $69 |
 | Geico | $173 | $65 |
 | Amica | $235 | $107 |
 | Allstate | $248 | $104 |
 | Farmers | $258 | $101 |
| U.S. average | $177 | $68 |
Your actual rate depends on factors like your location and vehicle. Each company treats these factors differently, so it’s worth it to compare car insurance quotes from a few companies to find the cheapest rate.
Safety car insurance rates by state
Safety has especially cheap car insurance in New Hampshire, where its full coverage rate ($86 a month) is 24% less than the state average. In Massachusetts, its full coverage rate ($124 a month) beats the state average by 18%.
Safety full coverage vs. state averages
| Full coverage (monthly) | State average (monthly) | Difference | |
|---|---|---|---|
| Massachusetts | $124 | $152 | -18% |
| New Hampshire | $86 | $113 | -24% |
Average rates for Maine not available.
Is Safety car insurance cheap for a bad driving record?
You can usually get cheap car insurance quotes from Safety with a bad driving record. For example, the company’s full coverage rate only goes up to $123 a month after a speeding ticket. This is 44% less than the national average of $219 a month after a ticket.
An at-fault accident increases Safety’s rate to $181 a month, which is 31% less than the national average. Safety charges 28% less than the average after a DUI (driving under the influence) conviction.
Safety auto insurance rates by driving record
| Driving record | Safety (monthly) | U.S. average (monthly) | Difference |
|---|---|---|---|
| Clean record | $105 | $177 | -41% |
| Speeding ticket | $123 | $219 | -44% |
| At-fault accident | $181 | $263 | -31% |
| DUI | $238 | $329 | -28% |
Does Safety have cheap car insurance for teens?
Safety’s car insurance rates for teens are just average. It charges young drivers $202 a month for minimum coverage. This is just a few dollars less than the national average of $208 a month.
Safety’s full coverage rate of $401 a month is 19% less than the national average for young drivers. Even so, Concord Group, Geico and other companies have cheaper full coverage for teens.
Safety auto insurance comparison for teens
| Company | Minimum coverage (monthly) | Full coverage (monthly) |
|---|---|---|
| Concord Group | $90 | $202 |
| Geico | $181 | $444 |
| Travelers | $200 | $441 |
| Safety | $202 | $401 |
| Progressive | $241 | $601 |
| Allstate | $297 | $679 |
| Farmers | $364 | $827 |
| Plymouth Rock | $374 | $720 |
| Amica | $401 | $842 |
Which car insurance discounts does Safety offer?
Safety offers a few car insurance discounts that help make its low rates cheaper. These include discounts for:
- Bundling your car insurance with another policy
- Getting your documents electronically, or going paperless
Safety also offers a loyalty discount based on how long you’ve been insured by the company. Young drivers can save by getting good grades. Parents can save when a young driver on the policy goes off to college without a car.
In Massachusetts, Safety gives you a good driver discount after six years of incident-free driving.
Unlike some other companies, Safety doesn’t have discounts for owning your home or driving a new car.
Safety car insurance discount comparison
| Discount | Safety | Concord | Travelers | Progressive |
|---|---|---|---|---|
| Bundling | ||||
| Paperless | ||||
| Good student | ||||
| Distant student | ||||
| New car | ||||
| Homeownership | ||||
| Good driver |
The names and availability of each discount vary by company and state. It’s good to ask about these and others when you get your quotes.
What does Safety car insurance cover?
Safety offers a combination of basic car insurance coverage and a few useful extras. The basics include:
-
Liability
Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state.
-
Collision
Collision covers damage to your car from a collision with another vehicle or object.
-
Comprehensive
Comprehensive covers your car for theft and damage from non-collision causes, like fire, flood and vandalism.
-
Uninsured motorist
Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance. It’s required in about 20 states and optional everywhere else.
-
Personal injury protection
PIP covers injuries to you and your passengers, whether you or another driver causes the accident. It also covers lost wages and certain other expenses.
Safety offers gap insurance
For example, Safety’s substitute transportation
How much does Safety charge for homeowners insurance?
Safety charges an average of $1,584 a year for homeowners insurance, or $132 a month. This is 40% less than the national average of $2,636. However, Concord is 35% cheaper than Safety, at $1,024 a year.
Safety home insurance comparison
| Company | Annual rate | Monthly rate | LT score | |
|---|---|---|---|---|
| Concord Group | $1,024 | $85 |  |
| Safety | $1,584 | $132 |  |
| Amica | $1,707 | $142 | |
| Plymouth Rock | $2,179 | $182 |  |
| Allstate | $2,352 | $196 | |
| Farmers | $2,895 | $241 | |
| Progressive | $3,084 | $257 | |
| Travelers | $3,216 | $268 | |
As with car insurance, home insurance rates vary by customer. The price you get depends on factors like your home’s location and construction features.
Comparing home insurance quotes from a few companies helps you find the cheapest rate. If you plan to bundle, it’s good to get quotes for your home and auto policies at the same time.
Safety homeowners insurance rates by state
Safety’s home insurance rate of $1,354 a year in New Hampshire is 18% higher than the state average. Its home insurance is a better deal in Massachusetts, where its rate of $1,813 a year is 3% less than the state average.
Safety home insurance vs. state averages
| Annual rate | State average | Difference | |
|---|---|---|---|
| Massachusetts | $1,813 | $1,875 | -3% |
| New Hampshire | $1,354 | $1,150 | +18% |
Average rates for Maine not available.
Which home insurance discounts can I get from Safety?
Safety has about a half dozen home insurance discounts that can make its low rates more affordable.
You can knock about 20% off your rate just by bundling your homeowners policy with your car insurance. Safety also offers home insurance discounts for:
- Having a new home
- Having protective devices like fire and burglar alarms
- Going paperless
What does Safety homeowners insurance cover?
Safety offers a combination of basic homeowners insurance coverage and useful extras. The basics include coverage for:
-
Your dwelling and other structures on your property
Dwelling coverage pays to repair or rebuild the structure of your home if a fire, hail or other event damages or destroys it.
-
Your personal property
Covers your belongings for theft or damage from a covered cause.
-
Loss of use
Helps cover temporary housing and other living expenses while your home is being repaired or rebuilt.
-
Personal liability
Personal liability covers injuries to other people and damage to their property.
-
Guest medical expenses
Covers medical treatment for a guest injured on your property, regardless of fault.
As is common for home insurance, Safety’s standard policies don’t cover floods. You need a separate flood insurance policy for protection from this risk.
Safety also offers a few extra coverages on their own. These include service line coverage
Most of its other protections are grouped together in a package of coverages. You have to upgrade to its Supreme Plus package to get coverage for water and sewer backups.
Other coverages in a Supreme Plus package include:
-
Extended building cost coverage
Provides extra coverage if the cost of rebuilding your home exceeds your dwelling limit.
-
All risks coverage for your belongings
Standard policies cover your belongings for risks named in your policy, including fire and theft. This add-on expands this to any risk not specifically excluded by your policy. This means more coverage.
-
Personal injury liability
Covers legal costs that can arise if you’re accused of libel, slander, wrongful eviction or other non-bodily injury to someone else.
Most of the coverages in a Supreme Plus package are good to have. However, you have to pay for all of them, even if you only need two or three.
Safety home coverage comparison
| Coverage | Safety | Concord | Amica** | Plymouth Rock |
|---|---|---|---|---|
| Extended building* | ||||
| Personal injury* | ||||
| Water backup* | ||||
| Service line | ||||
| Watercraft | ||||
| Home systems |
**Note: Amica’s extended building coverage requires purchase of Amica Platinum Choice.
Safety vs. other companies
Safety vs. Concord Group
Like Safety, Concord is a regional company with affordable car and home insurance. Concord’s cheap home insurance can make it a better deal for bundlers than Safety. It’s good to get quotes from both companies when their average rates are this close. The independent agents who work with Safety can often also get you Concord quotes.
Unlike Safety, Concord doesn’t offer substitute transportation coverage. Concord does let you add extras like water backup coverage to your policy individually. It also offers packaged home and auto add-ons for more protection.
Safety vs. Plymouth Rock
Plymouth Rock is another regional insurance company that offers quotes through independent insurance agents. Safety is usually cheaper for car and home insurance than Plymouth Rock. However, Plymouth Rock can be cheaper under some circumstances. Safety also has a better satisfaction rating than Plymouth Rock from J.D. Power.
Although both companies have similar discounts and coverages, Plymouth Rock does not offer substitute transportation coverage. You may like Plymouth Rock better if you’re a sports fan, since it offers discounts on tickets and merchandise for Boston-area teams.
Safety vs. Progressive
Safety has cheaper home and auto insurance than Progressive. However, Progressive offers more discounts, which can make it nearly as cheap or cheaper than Safety. These include easy-to-earn discounts for getting a quote online and setting up automatic payments.
Progressive offers its optional add-ons individually. You don’t need to upgrade to a package just to get substitute transportation coverage. Progressive doesn’t have equipment breakdown coverage for homeowners. However, it does offer water backup coverage on a standalone basis.
Methodology
How we obtained car and home insurance rates
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of insurance quotes for typical drivers and homeowners. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Car insurance coverage limits
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
Home insurance coverage limits
Homeowners insurance rates are based on policies with the following coverage and deductible amounts:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
How we evaluated Safety and other insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
Read our editorial guidelines here.