Safeway Car Insurance Review (2023)

Safeway auto insurance company sells traditional and non-standard car insurance policies in 12 states. It refers to itself as one of America’s largest privately held and family-owned insurance companies.

In this Safeway Insurance review, learn how to request a quote, compare possible car insurance costs, and analyze customer and financial ratings to determine if this company can offer you cheap car insurance.

After reading about the Safeway Insurance company below, remember to enter your ZIP code into our free quote comparison tool above to receive rates from the top active companies available near you.

What is Safeway Insurance?

Safeway Insurance sells car insurance policies in these states:

• Alabama
• Arizona
• Arkansas
• California
• Colorado
• Georgia
• Illinois
• Louisiana
• Mississippi
• New Mexico
• Tennessee
• Texas

This company underwrites standard and non-standard car insurance policies. And it’s worth looking into Safeway Insurance further if you need cheap car insurance for high-risk drivers.

You can purchase the basic types of car insurance from Safeway Insurance, like liability, comprehensive, and collision coverage. This company also offers uninsured and underinsured motorist protection and medical payments (MedPay) coverage.

Policy add-ons include rental car coverage and towing and labor insurance. But in some cases, you must purchase both comprehensive and collision coverage to qualify for these add-ons.

The company website is somewhat outdated, but a separate website called MySafeway acts as a user portal.

Once logged in, drivers can access ID cards, find local agents, pay their bill, make policy changes, and more.

There is also a MySafeway mobile app compatible with most Apple and Android devices that offers the same features as the customer portal.

Customers can submit Safeway Insurance payments on the company website, by visiting the MySafeway consumer webpage, or by calling the payment and billing information phone number associated with the nearest Safeway Insurance office.

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How do you get Safeway Insurance quotes?

To request Safeway car insurance quotes, you can enter your ZIP code into the quote box on the company website or contact a local Safeway Insurance agent near you.

But if you use the online quote tool, you still must contact a local agent to finalize the purchase of the policy.

Completing the form shows your estimated quote and provides you with a list of agencies close to your location. Your final rate is subject to change based on additional information obtained from consumer reports, as permitted by law.

The online quote form also shows the coverages available to you based on the state you live in and suggests some possible discounts you may qualify for.

What are the average Safeway Insurance rates?

Safeway Insurance rates vary based on variables like your age, ZIP code, coverage needs, and driving record. On average, sources suggest a basic policy costs $60 per month or $720 annually from Safeway Insurance, while full coverage policies cost around $125 per month or $1,500 per year.

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, according to the Insurance Information Institute (III).

Low prices are not the only thing that makes a car insurance policy good. You also want to ensure you have the right amount of coverage to protect yourself, your passengers, your vehicle, and your other property.

We suggest comparing your Safeway Insurance quote to policies from other top car insurance companies to ensure you’re getting your best possible coverage.

How do you submit a car insurance claim with Safeway Insurance?

You can submit Safeway Insurance claims on the company website, in your MySafeway account online, through the mobile app, or by contacting your local agent.

You must create a MySafeway profile to submit claims online.

Even if you use the website or app for your claim, you typically still need to contact the Safeway Insurance office closest to you. Safeway Insurance recommends keeping the phone number of your claims representative on you at all times for more accessible communication throughout the process.

If a liability claim is filed, Safeway Insurance will contact you within 48 hours of the accident report.

Otherwise, the company does not provide a clear timeline for how long it may take to close your claim.

Know that some negative online reviews from Safeway Insurance consumers say the claims department may be slow or unresponsive.

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Does Safeway Insurance offer any car insurance discounts?

Unfortunately, Safeway Insurance does not provide any information about available car insurance discounts on their company website.

But when you fill out the quote application online, the form asks if you qualify as a good student, veteran, or homeowner. It also suggests other deals, like anti-theft discounts, based on the information you provide. So, the local agent you work with after completing the application may offer you more saving opportunities.

However, discount availability and rate reductions vary based on regional laws and the state you live in. Common saving opportunities to ask about include:

• Anti-theft or safety discounts based on the technology in your vehicle
• Safe driver discounts
• Group or affiliation discounts
• Military discounts

How are the Safeway Insurance ratings and reviews?

Looking at an insurance company’s financial evaluations helps you determine if the company is sound enough to follow through on its obligations to policyholders before you purchase a policy.

Safeway Insurance currently has an A rating from A.M. Best, one of America’s top credit rating agencies, implying robust financial stability.

But how do real customers rate their experience using Safeway Insurance?

This company is not accredited by the Better Business Bureau (BBB) but has an A+ rating, meaning the BBB believes it interacts well with its customers. However, out of 11 online customer reviews, the company earned just 1 out of 5 possible stars.

Safeway Insurance also has a complaint index of 3.96, according to the National Association of Insurance Commissioners (NAIC). The median complaint ratio is always set to 1.00, but lower scores are better than higher scores.

Overall, the 3.96 rating means Safeway Insurance received almost four times more customer complaints than the median of 1.00.

Most negative online consumer reviews for Safeway Insurance mention mediocre customer service interactions, slow and unresponsive claims, and increasing insurance costs.

Keep these driver experiences in mind while considering Safeway Insurance as your car insurance company.

Does Safeway Insurance sell other insurance products?

Safeway Insurance company only sells car insurance policies. It provides traditional and non-standard coverage for people with any driving background.

However, sources suggest that it previously underwrote homeowners insurance policies.

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What is the history of Safeway Insurance?

Safeway Insurance was founded in 1959 and claims to be the largest privately held and family-owned insurance company in America.

The company is headquartered in Westmont, Illinois, but has regional offices in all states where it operates.

Quotes are provided to interested consumers by a network of over 3,000 independent agents. Some sources say it previously sold homeowners insurance, but now the company only sells car insurance policies.

This company also covers high-risk drivers, like people with poor driving records, bad credit, or folks in need of SR-22 insurance.

From the onset, Safeway Insurance believed in the personal touch. Today, Safeway Insurance offers a two-part commitment to its customers – affordable, straightforward car insurance policies and access to a helpful advisor.

Safeway Auto Insurance: The Bottom Line

Overall, Safeway Insurance is a financially stable car insurance company with over 50 years of experience in the industry. Drivers who prefer interacting with their insurance company face to face may enjoy accessing the regional offices and connecting with a local agent.

It’s also an option for high-risk drivers who require non-standard car insurance.

However, the company is regionally limited and only underwrites policies in 12 states. It also does not provide many optional policy add-ons, like roadside assistance, GAP insurance, or accident forgiveness.

Safe drivers may secure cheaper rates with more coverage options from some of the other best car insurance companies.

You’ve learned about Safeway Insurance payments, claims, and customer reviews, now enter your ZIP code into our free rate tool below to compare quotes from some of the reliable companies active in your region.

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