Safeway Car Insurance Review for 2025 [Real User Experiences Shared]

Our Safeway car insurance review found it has great add-on options and provides some of the best car insurance discounts for good drivers and bundling auto and home policies.

However, the company’s rates are higher than those of competitors like State Farm, and customer satisfaction is mixed, with complaints about unresponsiveness during claims.

Safeway Car Insurance Rating

Rating Criteria
Overall Score	2.8
Business Reviews	2.0
Claim Processing	2.0
Company Reputation	2.0
Coverage Availability	2.1
Coverage Value	2.6
Customer Satisfaction	3.5
Digital Experience	2.0
Discounts Available	4.7
Insurance Cost	3.7
Plan Personalization	2.0
Policy Options	2.5
Savings Potential	4.0

Safeway is best suited for drivers with clean records who value add-ons and discounts but may not be the best choice for those seeking the lowest rates and great customer service. Be sure to compare multiple insurance quotes to find the best deal.

Safeway Car Insurance Rates

How much is Safeway insurance? Most customers want coverage at an affordable price, but many factors affect how much you’ll pay for Safeway Insurance coverage, such as your age and gender (Learn More: Average Car Insurance Rates by Age and Gender).

Safeway Car Insurance Monthly Rates by Age, Gender & Coverage Level

Safeway Insurance car insurance rates will also depend on a driver’s record. Rates will be the cheapest for drivers with no accidents, tickets, or DUIs in their history.

While minimum coverage seems like the economical choice at Safeway Insurance, it offers barely any protection to drivers. If you cause an accident or crash into a fence, for example, none of your costs will be covered unless you have full coverage.

Unless your vehicle is ancient and no longer worth much, we recommend purchasing Safeway full coverage if you can afford it.

Safeway Car Insurance Rates vs. the Competition

Looking at Safeway auto insurance rates by themselves gives us just one part of the picture, so it is crucial to see how Safeway compares to other companies to determine its true affordability.

Safeway Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	45-Year-Old Female	45-Year-Old Male
	$162	$160
	$115	$117
	$139	$139
	$80	$80
	$171	$174
	$113	$115
	$112	$105
	$125	$130
	$86	$86
	$98	$99

Other companies, such as Allstate and Farmers, are pricier than Safeway Insurance, but Safeway is still one of the more expensive companies. You will likely find a better deal at companies like State Farm or Progressive if you are a good driver.

Because driving records also play a big role in your auto insurance rates, see how Safeway Insurance compares to other companies based on tickets, accidents, and DUIs.

Monthly Car Insurance Rates by Driving Record: Safeway vs. Competitors

Insurance Company	Clean Record	One Accident	One DUI	One Ticket
	$130	$165	$200	$155
	$120	$150	$185	$145
	$125	$155	$195	$150
	$100	$135	$170	$120
	$140	$175	$210	$165
	$115	$145	$180	$135
	$115	$155	$190	$140
	$125	$160	$185	$150
	$110	$145	$180	$135
	$120	$150	$190	$140

Once again, Safeway is not the most expensive company for drivers with driving infractions, but it is also not the cheapest (Read More: Best Car Insurance for a Bad Driving Record).

Car Insurance Coverages at Safeway

Safeway car insurance company sells coverages that meet your state’s requirements and a few extras for those who want more coverage.

Safeway Car Insurance Coverage Options

Safeway offers some great add-ons like roadside assistance and custom equipment coverage. However, Safeway doesn’t offer gap coverage, which can be a great way to protect new vehicles for the first year or two of ownership.

Learn More: Compare Car Insurance by Coverage Type

Safeway Car Insurance Discounts

One way to save on your Safeway insurance payment online is to apply for discounts at the company. The two biggest discounts Safeway offers are a good driver discount and a bundling discount, which is available when you buy both auto and home or renters insurance.

Safeway Car Insurance Discounts

You can also take advantage of a few other small discounts, such as installing an anti-theft device in your car (Read More: Best Anti-Theft Car Insurance Discounts).

Customer Reviews of Safeway

Seeing what customers say about Safeway is important, as negative reviews could point to issues with customer service and more.

Reviews of Safeway are mixed, and there are multiple complaints from drivers who were hit by a Safeway customer having issues with a third-party claim, such as in the Reddit review below.

Was rear-ended by driver with Safeway Insurance earlier this year. Safeway won’t answer their phones or return my calls. What are my options at this point?
byu/secretgoose inInsurance

A recurring theme in negative Safeway reviews seems to be issues with unresponsiveness on the Safeway insurance phone number during the claim process. Some drivers have also stated that they filed a Safeway insurance lawsuit because of denied claims.

Read More: How do you file a claim on someone else’s car insurance?

Business Ratings of Safeway Car Insurance Company

Business ratings of Safeway Insurance Group are mixed, as you can see in the table of Safeway business ratings below.

Safeway Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 815 / 1,000 Avg. Satisfaction
	Score: B Fair Business Practices
	Score: 68/100 Avg. Customer Feedback
	Score: 1.22 More Complaints Than Avg.
	Score: A- Good Financial Strength

Compare RatesStart Now →

How do customer satisfaction ratings affect car insurance companies? Safeway has a higher-than-average number of complaints filed against it with the NAIC, and it only has average customer satisfaction scores with J.D. Power and Consumer Reports.

J.D. Power rates car insurance companies based on customer satisfaction, evaluating claims experience, pricing, policy offerings, and customer service to help consumers make informed decisions.

Laura Berry Former Licensed Insurance Producer

While Safeway does have an A- from A.M. Best for financial strength, it only has a B rating from the BBB for business practices.

Safeway Car Insurance Pros and Cons

We’ve covered quite a bit in our review, so we want to take a moment to recap the most important pros and cons of Safeway Insurance. We found that the main pros of Safeway are:

• Discount Options: Safeway customers can apply for several discounts, making coverage more affordable.
• Add-On Options: Safeway has roadside assistance, rental car reimbursement, and custom equipment coverage for modified cars (Learn More: Best Car Insurance for Modified Cars).
• Financial Strength: Safeway has a decent rating from A.M. Best.

While these pros are great, we found some cons that may give potential customers pause. Consider the following before buying Safeway car insurance:

• Customer Satisfaction: Safeway has just average ratings for satisfaction and more complaints than the average.
• Higher Rates: Safeway is not the cheapest for car insurance, as several other providers are offering better deals.

If Safeway had better customer and business ratings, the higher cost would have been justified, but Safeway doesn’t stand out in terms of customer service or price.

Choosing Safeway as Your Car Insurance Provider

Our Safeway car insurance review found Safeway’s valuable add-on options like roadside assistance and custom equipment coverage and a strong financial rating of A- from A.M. Best. However, a major con is its higher-than-average rates compared to competitors.

Safeway also has poor reviews from customers and multiple complaints. If you’re considering Safeway but want to stop overpaying for car insurance, make sure to compare multiple insurance companies online to ensure you find the best policy for your needs. Enter your ZIP in our free tool to get started.