Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Just the Basics

  • Safety Insurance offers car insurance coverage to Massachusetts, New Hampshire, and Maine drivers
  • A partnership with Safe Roads Alliance means customers can access real-time data concerning many dangerous driving situations
  • An extensive array of discounts, including loyalty and electronic policy issuance, makes policy rates more affordable

Finding affordable car insurance is a challenge for many drivers. Luckily, we are here to uncomplicate the insurance buying process by giving you the information you need to find the most affordable policy for your vehicle.

Founded in 1979, Safety Insurance is located in Boston, Massachusetts, and provides auto insurance to drivers in three states in New England. This review covers key topics about the company’s offerings, from policy and supplemental coverage options to discounts on rates and the claims process. It also gives information on Safety’s customer satisfaction ratings. Use this overview to help you choose the best insurance coverage for your family or business.

Safety Insurance Car Insurance Coverage

Safety Insurance provides automotive coverage to individuals living in Massachusetts, New Hampshire, and Maine. Based in Massachusetts, the company offers private car insurance, commercial auto coverage, and homeowners insurance. Safety has an established partnership with Safe Roads Alliance, giving customers real-time data so they can handle a variety of dangerous driving situations.

Safety Insurance offers coverage to meet your state’s minimum requirements as well as supplemental options. Learn more about these insurance options below.

Liability Coverage

Vehicle liability coverage is required in two of the states where Safety operates, and in some situations in New Hampshire. The company offers both bodily injury and property damage liability coverage. Massachusetts and Maine motorists must purchase a policy with minimum coverage to legally register and operate a vehicle. You can select a policy to meet your state’s minimum requirements, or you can increase your accident coverage for more protection.

Uninsured Driver Coverage

Most states require motorists to carry uninsured or underinsured motorist coverage. This type of insurance provides financial compensation if you are involved in a crash with a motorist who does not have adequate insurance to repair your vehicle. Uninsured motorist coverage from Safety can also help pay for medical payments if you are injured in the accident.

Comprehensive Coverage 

Most states do not require motorists to carry comprehensive coverage. This type of insurance covers damage to your car from non-crash events, including weather elements, theft, and vandalism. Comprehensive coverage may pay to fix or replace your vehicle if it is damaged in a covered accident. When choosing your coverage levels, most comprehensive policies come with a deductible, so ask your Safety representative about your deductible amount.

Collision Coverage

Safety collision coverage provides protection if you crash with another car or hit another object such as a fence, barrier, or tree. This type of coverage is typically optional, but many car finance companies require it.

Medical Payments Coverage

Safety auto policies can include medical payment coverage to help pay for hospital bills if you or a passenger are injured in an accident. Depending on your injuries, this type of coverage may pay for hospital stays, surgical procedures, doctor’s visitors, and medications.

Supplemental Insurance Options

Safety Insurance offers a range of add-on insurance options for motorists who want more coverage. Depending on your location, the following supplemental insurance options may be available:

  • Rental vehicle loss of income coverage
  • Personal effects coverage
  • Emergency road travel expenses coverage
  • Vehicle rental coverage
  • Accident forgiveness
  • Expanded personal effects coverage
  • Seat belt coverage
  • GAP insurance 

Adding supplemental coverage can increase your rates but provides more protection if you are involved in a collision.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What car insurance discounts are available?

Safety Insurance offers several discounts and financial incentives to keep rates affordable for customers. Depending on your area, you may access the following discounts:

  • Good driver discount: Motorists who have had no accidents for five years save up to 10% on their rates
  • Multipolicy discounts: Save up to 10% if you bundle your Safety auto insurance with your homeowners coverage 
  • Multivehicle discount: Safety offers a discount of up to 10% for those with multiple cars on their policy
  • Good grades discount: Student drivers who maintain a “B” grade point average or better are eligible for up to a 10% percent discount
  • Electronic discount: Safety offers a 7% discount for customers who select electronic policy issuance
  • Loyalty insurance: Customers who have been with the company for more than four years can save up to 4% on their rates
  • Crash prevention course: Safety offers a 5% discount on motorists who complete a crash-prevention course
  • Safety app: Drivers who download and use the Drive with Safety app are eligible for a discount

There are also discounts available for students who attend school more than 100 miles from home.

What states does Safety Insurance offer coverage in? 

Safety currently offers car insurance in Massachusetts, New Hampshire, and Maine. While there may be options for drivers who live in other states through partner organizations, coverage may be limited.

How To File a Safety Auto Insurance Claim

Being involved in a car crash is a scary experience, and you need to know where to turn if you need financial assistance for car repair bills or medical payments. While driving a reliable vehicle and driving safely can decrease your risk of being in a collision, you should know how to file a claim if you are involved in a car crash.

The Safety Insurance claims process is relatively straightforward. You can file a claim on the following platforms:

  • On the phone
  • Via Safety’s website
  • On the mobile application 

An insurance adjuster will contact you after you submit a claim. Your adjuster is employed by Safety and will ask you questions and gather evidence to determine how much you will receive in financial compensation. You should collect the following information before you talk to your adjuster to streamline the process:

  • Contact and car information for people involved in the collision
  • Crash specifics, including date, weather conditions, and time 
  • Pictures of car damage sustained if available
  • Information for police officers who responded to the crash

You should also obtain a copy of the official crash report filed by the police department, if available.

Customer service is vital during the claims process, and Safety Insurance has consistently ranked above average regarding customer satisfaction when rated by J.D. Power. It also has far fewer customer complaints than other similarly sized auto insurance companies.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Does Safety offer other types of insurance?

Safety also offers other types of insurance to customers. Depending on your location, the following coverage may be available:

  • Homeowners 
  • Dwelling fire
  • Business owners 
  • Commercial umbrella
  • Renters insurance
  • Boat insurance 
  • Cyber home protection

Safety Insurance offers discounts if you bundle your auto insurance policy with another type of coverage. You can optimize this discount by bundling three or more policies. The company also gives loyal customers the option to upgrade their home or auto insurance for a reduced price.

Safety Insurance: Final Thoughts 

Safety auto insurance is available in Massachusetts, New Hampshire, and Maine. Policy options include basic coverage plus more comprehensive protection, including collision, personal injury, and GAP insurance, and it offers several discounts to policyholders who meet specific criteria. With this detailed guide, you have the info you need to choose an insurance company with affordable monthly car insurance rates for your situation.