When it comes to choosing an insurance provider, you need more than just a catchy name—you need reliability, affordability, and strong customer service. Safety Insurance, a regional insurer serving Maine, Massachusetts, and New Hampshire, has been in the game long enough to earn national recognition for its financial strength and customer-focused service. But is it the best fit for your insurance needs in 2025? Let’s break it down.
Quick Overview: Pros & Cons of Safety Insurance
✅ What Works Well
- Pre-Built Coverage Packages: Offers streamlined auto and home insurance plans with valuable add-ons.
- Strong Customer Service Reputation: Recognized with the 2024 Deep Customer Connections Ease in Business Award.
- Local Agents: Personalized service from professionals familiar with New England’s unique insurance needs.
- Competitive Pricing: Home and auto insurance rates tend to be below the national average.
❌ Where It Falls Short
- Limited State Availability: If you’re outside of Maine, Massachusetts, or New Hampshire, you’re out of luck.
- Fewer Discounts: Larger insurers typically offer a wider range of savings opportunities.
- No Online Quotes: You’ll have to go through an agent for pricing—no instant online estimates.
Safety Auto Insurance: Coverage & Cost Analysis
Key Features
Safety Insurance makes bundling coverages easier with its Safety Shield packages, which include benefits like:
- Emergency towing
- Roadside assistance
- Accident forgiveness (in Massachusetts)
- Pet injury protection
- Expanded personal effects coverage
How Much Does Safety Car Insurance Cost?
While Safety’s 2024 auto insurance rates aren’t yet available, 2023 data suggests that policyholders historically paid below the national average ($2,670/year for full coverage, $773/year for minimum coverage).
For comparison, larger insurers’ average annual rates:
- State Farm: $1,916
- Allstate: $2,487
- USAA: $1,289 (for eligible military families)
To get the most accurate pricing, you’ll need to request a personalized quote from a Safety agent.
Discounts & Savings
Unlike national giants that offer hefty discounts for everything from good grades to vehicle tracking devices, Safety’s discount options are more limited. However, you may still save by bundling policies or maintaining a good driving record.
Safety Home Insurance: Coverage & Cost Breakdown
Coverage Options
Safety Insurance offers four tiered home insurance packages:
- Safety Select
- Safety Supreme
- Supreme Plus
- Safety Complete
Each package includes standard protections plus optional endorsements like sewer/water backup coverage, replacement cost coverage, and increased liability limits.
Cost Comparison
Here’s how Safety’s homeowners insurance rates compare to national averages:
| Dwelling Coverage Limit | Safety Average Premium | National Average |
|---|---|---|
| $150K | $1,223 | $1,344 |
| $300K | $1,407 | $2,181 |
| $350K | $1,520 | $2,430 |
| $450K | $1,834 | $2,934 |
| $750K | $3,060 | $4,189 |
Safety consistently undercuts national averages, making it an attractive option for cost-conscious homeowners in its service areas.
Potential Downsides
- No Home Cyber Protection in Maine: A notable gap for homeowners concerned about digital threats.
- Fewer Discounts: Competitors may offer more ways to save on home insurance.
Customer Experience: What Policyholders Are Saying
Reviews on platforms like Yelp and Trustpilot indicate a mixed but generally positive experience with Safety Insurance.
⭐ Positive Feedback
- “Great claims process. My water damage claim was handled professionally, and they covered everything.”
- “Rates are good, and customer service is responsive.”
- “Local agents understand the insurance needs of our area.”
⚠️ Common Complaints
- “Tough to reach claims adjusters at times.”
- “Limited discounts mean it’s not always the cheapest option.”
- “Lack of online quoting makes shopping around more difficult.”
While Safety doesn’t have as many third-party ratings as bigger brands, its reputation remains solid, especially for homeowners and drivers looking for affordable, straightforward coverage.
How Safety Stacks Up Against Competitors
If you’re considering Safety, it’s wise to compare it to similar insurers.
| Insurer | Avg. Annual Home Rate | Coverage Area | Standout Features |
|---|---|---|---|
| Safety | $1,407 | 3 states | Local agents, strong customer service |
| The Hanover | $2,788 | 20 states | Best for high-value homes |
| Vermont Mutual | $978 | 5+ states | Low rates, but limited digital tools |
Who Should Consider Safety?
- New England residents seeking cost-effective home and auto coverage.
- Those who prefer working with a local agent rather than dealing with a massive corporation.
- Homeowners who want pre-packaged insurance options that simplify the buying process.
Who Might Want to Look Elsewhere?
- People outside of Maine, Massachusetts, or New Hampshire (Safety doesn’t operate elsewhere).
- Tech-savvy shoppers who prefer a fully online quoting and policy management experience.
- Drivers looking for maximum discounts—big-name insurers may offer more ways to save.
Final Verdict: Is Safety Insurance Right for You?
Safety Insurance is a solid choice for homeowners and drivers in New England who value affordability, reliable claims handling, and local agent support. While it doesn’t have the expansive reach or deep discounts of national brands, its rates are competitive, and its customer service gets good marks.
Before making a decision, consider comparing Safety with other top-rated insurers to ensure you’re getting the best coverage at the best price. If you live in its service area and prefer regional expertise over big-brand bureaucracy, Safety could be your best bet.
Next Steps
- Get a quote from a Safety Insurance agent.
- Compare rates with competitors like State Farm, USAA, and The Hanover.
- Read more customer reviews to gauge real-world experiences.
For more information, visit Safety Insurance’s official website or check out authoritative resources like the National Association of Insurance Commissioners (NAIC) for insurer complaint data.