Safeway Insurance Review (2024)

Safeway Insurance company considers itself to be the oldest privately-held and family-owned insurance company in the country.

It currently sells both standard and non-standard car insurance policies in 12 states.

Since all policies are not created equal, keep reading this Safeway Insurance review to learn how to request a quote, compare financial and customer ratings, and read about the claims process to determine if this company can offer you affordable car insurance rates.

After learning about Safeway auto insurance claims, quotes, and more below, remember to enter your ZIP code into our free rate comparison tool above to receive quotes from the best companies active in your region.

What is Safeway Insurance?

Safeway Insurance is headquartered in Illinois and sells standard and non-standard car insurance policies in 12 states. High-risk drivers, people with poor driving records, bad credit, and folks needing SR-22 insurance may consider Safeway for affordable coverage.

However, you must live in Alabama, Arizona, Arkansas, California, Colorado, Georgia, Illinois, Louisiana, Mississippi, New Mexico, Tennessee, or Texas to buy a Safeway car insurance policy.

Of the different types of car insurance coverages, you can purchase traditional liability, comprehensive, and collision insurance from Safeway.

The company also provides medical payments (MedPay) coverage and underinsured and uninsured motorist protection in certain states.

As optional policy add-ons, consumers can purchase rental car coverage and towing and labor insurance. However, you may be required to also invest in collision and comprehensive insurance to qualify.

While the website appears outdated, consumers can use a separate page called MySafeway to create a Safeway auto insurance login.

In the portal, drivers can access their ID cards, make policy changes, file and track claims, and more. There is also a MySafeway mobile app compatible with most Apple and Android devices with the same features as the online user portal.

Customers can submit Safeway Insurance payments through the website, the MySafeway user portal, or in the mobile app of the same name. There are also specific payment and billing information phone numbers associated with each physical Safeway office.

Read more: Tennessee Car Insurance

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How do you request Safeway Insurance quotes?

You can get Safeway car insurance quotes on the company website, through the mobile app, or by contacting a local agent near you.

But even if you request your Safeway Insurance quote on the website or app, you still must contact one of the independent agents to finalize the purchase of your policy.

You may wonder, how do I locate Safeway Insurance near me?

After completing the form with your personal information, you’ll be given an estimated rate plus contact information for the physical offices closest to you. The quote tool also informs you what coverage types are available based on where you live and mentions potential discounts you might earn.

As permitted by law, after you call the ​​Safeway auto insurance phone number associated with your local branch, your rate is subject to change based on information gathered from consumer reports. (For more information, read our “Can you drive by yourself with a permit?“).

How much does Safeway Insurance cost on average?

Many different factors affect the price of car insurance. But some sources suggest the average Safeway Insurance rates for a basic policy are $60 per month or $720 annually. Full coverage policies cost $125 per month or $1,500 annually on average.

If you get a quote from Safeway Insurance, consider comparing it to the average cost of car insurance in the state where you live.

The table below shows the average annual car insurance expenditures in the 12 states where Safeway Insurance operates, as recorded by the Insurance Information Institute (III).

Overall, your Safeway Insurance rates depend on variables like your age, ZIP code, coverage needs, and driving record. But there’s more to look for in a good policy besides cheap rates.

You’ll also want to purchase coverage levels that adequately protect you and your property.

We recommend comparing your Safeway rates to quotes from other top car insurance companies to verify you’re getting the proper coverage levels for the right cost.

How do you submit car insurance claims with Safeway Insurance?

Customers can submit Safeway car insurance claims through the website, in the MySafeway mobile app or customer portal, or by contacting a local agent.

To submit a claim online, you must create a MySafeway profile.

You will also typically still need to contact the Safeway Insurance office nearest you. Safeway Insurance recommends keeping the contact information for the claims representative assigned to your case on your person for convenient communication throughout the process.

When liability claims are filed, the company contacts you within 48 hours of filing the accident report.

But Safeway Insurance does not provide a timeline for how long other claims take to close on average.

Unfortunately, some customers rate the Safeway Insurance claims departments poorly, stating the process may be slow and the adjusters are at times unresponsive.

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What car insurance discounts does Safeway Insurance provide?

Safeway Insurance does not give information about available car insurance discounts on the company website.

However, when you fill out the online quote form, it asks if you qualify as a good student, homeowner, or veteran. Depending on the details of your vehicle, it also recommends an anti-theft discount.

The local agent you connect with will most likely inform you about the various discounts you may qualify for.

Common rate reductions to ask for include group discounts, anti-theft and safety discounts for your vehicle, paperless discounts, and safe driver discounts. However, expect availability and savings amounts to vary by state.

What are the Safeway Insurance ratings and reviews?

Analyzing evaluations from leading credit rating agencies helps you determine if an insurance company is financially reliable before buying a policy. Similarly, online consumer reviews provide you with a snapshot of what your experience may be like as a Safeway Insurance customer.

Fortunately, Safeway Insurance holds an A rating from A.M. Best, meaning it can follow through on its obligations to policyholders.

How do real Safeway Insurance customers feel about the company?

Despite not being accredited by the Better Business Bureau (BBB), Safeway Insurance has an A+ rating. This means the BBB believes the company interacts positively with its drivers. However, out of five possible stars, the company earned just one star based on 11 online reviews.

According to the National Association of Insurance Commissioners (NAIC), the complaint index ratio for Safeway Insurance is also higher than the median, which is always set to 1.00.

The company’s ratio is currently 3.96, which means it received almost four times more complaints from consumers than the median. The negative online reviews primarily reference mediocre customer service, increasing rates, and slow or unresponsive claims adjusters.

Keep these financial reviews and customer experiences in mind while shopping for coverage and considering Safeway Insurance.

What other insurance products does Safeway Insurance sell?

Some sources suggest that Safeway Insurance underwrote homeowners insurance policies in the past. However, the company now only sells car insurance policies.

It provides traditional coverages for safe drivers and non-standard policies for higher-risk individuals.

The company does not plan to expand beyond the 12 states it currently operates in.

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What is the history of Safeway Insurance?

Headquartered in Westmont, Illinois and founded in 1959, Safeway Insurance calls itself the largest family-owned, privately-held insurance company in America.

Safeway Insurance promises to provide consumers with affordable, straightforward car insurance policies and access to a helpful car insurance advisor. It has a network of over 3,000 independent agents located across 12 states, with physical offices available in all locations where it operates.

Today, it still believes in providing a personal touch with all car insurance policies and underwrites coverage for drivers with any driving background or credit history.

Safeway Insurance: The Bottom Line

With over 50 years in the car insurance industry, Safeway Insurance is a financially reliable company ideal for people who prefer interacting with their insurance company face-to-face. It’s also a good option for high-risk drivers who may struggle to find coverage from a traditional insurer.

However, this company is not available in every state. Plus, it does not offer as many optional coverages as other top car insurance companies, like roadside assistance or GAP insurance.

Safe drivers may secure more coverage for a similar or lower rate elsewhere.

For many drivers, it’s worth comparing quotes from multiple companies beyond Safeway Insurance.

Now that you’ve read about the Safeway Insurance phone number, claims, costs, and more, enter your ZIP code into our free quote comparison tool below to receive rates from the top active companies near you.