Updated: September 26, 2025
Advertising & Editorial Disclosure
Safeway Insurance ranks 31st for full coverage affordability and 33rd for minimum liability coverage with average monthly rates of $165 and $95, respectively.
Safeway Insurance earns 19th place nationwide for customer satisfaction, showing solid performance through consistent agent service and positive forum reviews from policyholders.
Safeway Insurance claims the 12th spot for coverage variety, providing specialized options like accident forgiveness programs and new car replacement coverage for total losses.
Safeway Insurance ranks 29th overall nationally, placing it outside the top tier of best car insurance companies. The company shows strength in coverage options, ranking 12th in this category, but struggles with affordability and customer experience.
This ranking reflects quotes for a 40-year-old male driver with good credit and no driving violations, so the company's ranking for you will depend on your profile and coverage needs.
| Overall Score | 3.91 | 29 |
| Customer Experience | 4.29 | 19 |
| Coverage | 2.50 | 12 |
| Affordability | 3.96 | 29 |
Safeway Insurance works best for drivers with bad credit, those with a DUI, drivers with an accident and those with speeding tickets. However, you shouldn't consider Safeway if you drive a newer car or you're a senior driver.
Below, you can compare how Safeway Insurance stacks up for your unique profile.
| Overall Score | 4.23 | 17 |
Safeway Insurance doesn't rank within the top five companies in any of the 51 states and territories across the United States. The company hasn't achieved the number one position in any state for overall insurance provider performance.
| Alabama | 0.19 | 11 |
| Arizona | 0.20 | 9 |
| Georgia | 0.20 | 9 |
| Louisiana | 0.21 | 7 |
| Mississippi | 0.20 | 6 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
Safeway Insurance car insurance costs range from $94 to $712 monthly, depending on your specific situation. We've analyzed national costs across age groups, gender, coverage types, credit scores and driving records to help you find the best rates for your profile.
| $225 | $2,703 | -18% | 13 |
Safeway Insurance will be much more expensive on average for most drivers, including young drivers, seniors and those with accidents or violations. You can review how the company's affordability compares with other regional providers.
| Adult Drivers | $77 | $134 | 24% | 29 |
| Drivers With A DUI | $99 | $174 | -15% | 12 |
| Drivers With An Accident | $94 | $165 | 8% | 21 |
| Drivers With A Speeding Ticket | $81 | $139 | 6% | 22 |
| Drivers With Bad Credit | $86 | $152 | -31% | 12 |
| Drivers With Low Income | $86 | $152 | 10% | 24 |
| Drivers With Newer Cars | $125 | $224 | 53% | 32 |
| Drivers With Old Cars | $74 | $129 | 35% | 31 |
| Senior Drivers | $105 | $174 | 33% | 30 |
| Young Drivers | $174 | $312 | 28% | 27 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, Adults 26 to 64, and seniors 65 and older. Older vehicles change the vehicle age to 2007, and newer vehicles change it to 2025.
Safeway Insurance's monthly rates range from $55 to $173 across different states. The company ranks among the top 5 most affordable insurers in just 2 out of 51 states and territories. Below you can review Safeway Insurance's affordability and pricing for your area.
| Alabama | $68 | $114 | 16% | 8 |
| Arizona | $56 | $126 | -10% | 6 |
| Georgia | $97 | $136 | 10% | 8 |
| Louisiana | $105 | $173 | -17% | 3 |
| Mississippi | $55 | $119 | -3% | 4 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
Safeway Insurance offers nine car insurance discounts whose savings depend on your particular situation. Check out its offerings:
Multi-Car | Variable | Insuring more than one vehicle with Safeway | Available in all operating states |
Safe Driver | Variable | Clean driving record for 3+ years, no traffic tickets or claims | Available in all operating states |
Good Student | Variable | Young drivers maintaining minimum GPA requirements | Available in all operating states |
Homeowner | Variable | Owning your home (even if insured with different company) | Available in all operating states |
Transfer/New Customer | Variable | Switching to Safeway from another insurance company | Available in all operating states |
Anti-Theft Device | Variable | Vehicle equipped with qualifying anti-theft devices | Available in all operating states |
Defensive Driver | Variable | Completion of approved defensive driving course | Available in all operating states |
Pay-in-Full | Variable | Paying premium in full rather than monthly installments | Available in all operating states |
Continuous Coverage | Variable | Proof of prior insurance coverage without lapses | Available in all operating states |
Safeway Insurance earned 19th place for customer experience in MoneyGeek's comprehensive customer satisfaction study.
Customer feedback shows the company receives praise for helpful agent interactions and user-friendly online tools, though claim processing generates more complaints than other service areas. Below, we break down the buying, policy management and claims process experiences based on our research.
Safeway Insurance positions itself as a budget-friendly option for high-risk drivers and those with less-than-perfect records, offering competitive pricing and basic liability coverage. The company has been serving customers since 1959 and specializes in minimum required coverage across 12 states.
However, customers report limited coverage options with no add-ons like roadside assistance or rental car coverage, and the application process can be challenging with poor communication about policy requirements and payment schedules.
Safeway offers online policy management through MySafeway portal with secure payment processing accepting Visa, MasterCard, and Discover cards. Customers can contact support at (800) 344-1947 or (888) 575-3590 for billing, though many report difficulty reaching representatives and long hold times averaging over 30 minutes.
The company provides limited digital services with no mobile app, and customers frequently experience communication gaps regarding policy changes and payment notifications.
Safeway’s claims process is often criticized by customers. Despite the company’s promise of “helpful advisors” who will handle claims quickly and courteously, policyholders report problems such as unresponsive adjusters, long delays, and difficulty getting updates.
Many customers describe having to file BBB complaints to get responses, with adjusters frequently not returning calls and claims being denied or underpaid despite clear fault determinations.
Safeway Insurance ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Safeway Insurance's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Excellent ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | a | aaa to d | Good credit quality (outlook revised to stable from negative in 2019) |
S&P Global Financial Strength | NR (Not Rated) | AAA to D | No S&P Global rating available for this regional insurer |
Moody's Financial Strength | NR (Not Rated) | Aaa to C | No Moody's rating available for this regional insurer |
J.D. Power Auto Claims Satisfaction | NR (Not Rated) | 1,000-point scale | Not included in J.D. Power national studies (regional/non-standard insurer) |
J.D. Power Digital Service Experience | NR (Not Rated) | 1,000-point scale | Not included in J.D. Power national studies (regional/non-standard insurer) |
J.D. Power Auto Insurance Shopping Study | NR (Not Rated) | Out of 1,000 | Not included in J.D. Power national studies (regional/non-standard insurer) |
J.D. Power Overall Customer Satisfaction | NR (Not Rated) | Out of 1,000 | Not included in J.D. Power national studies (regional/non-standard insurer) |
NAIC Auto Complaints | 2.27 | 1.00 is average | Far more complaints than expected (127% above industry average) |
Reddit and forum users often share frustrations about the company's claims process and customer service. Although some drivers are drawn to its low initial premiums, many say the trouble starts once a claim is filed. Customers frequently call the process a “nightmare” and warn others to avoid the insurer.
Common complaints include Safeway Insurance taking premium payments but refusing to pay claims, unresponsive adjusters, unauthorized withdrawals after policy cancellations, and aggressive tactics to minimize payouts.
The National Association of Insurance Commissioners shows Safeway has a complaint ratio of 2.27, meaning far more complaints than average competitors.
Here's what real customers are saying about their experiences on forums:
Initial pricing attracts customers, but value disappears when claims need to be filed:
"Safeway Insurance has been horrendous. I cancelled my policy on May 8, 2024. Five days later, they made an unauthorized withdrawal from my bank account for a policy that had legally been cancelled and was not in effect. I made several calls and visits to my agent, each time Safeway informed the agent to relay to me that 'the check is in the mail.' As of today, June 3, 2023, I have not received my money back."
"I've been with a few companies, but Safeway tops them all. The General is as awful as Progressive. They are the best so far. In my experience, Progressive's prices are ridiculous."
"Safeway offers great premiums on multiple vehicles. The company should consider not charging two renewal down payments within a 12-month duration."
Most customers report severe problems with claims handling, often describing complete breakdowns in service:
"I'm taking y'all to court this insurance is a scam !!! Y'all don't need any stars or customers y'all need to close down y'all literally playing with people everyday lives and that's not cool at all me and my daughter almost died because my car caught on fire and it wasn't my fault."
"I'm a customer and they are the WORST. I will be switching companies ASAP. My car was stolen and damaged and they don't want to cover all the repairs. They even have the nerve to ask me to cover half of certain parts of the car that need to be repaired. They have made this experience a literal nightmare. RUUUUUN from this insurance company."
"Safeway Insurance Company of Louisiana is one of the worst insurance companies I am left with an injury to my neck after a wreck that wasn't my fault and they refused to fix this problem. I am left with a lifelong neck injury I called the Louisiana state Insurance Commissioner and made a complaint against this company."
Customer service experiences are overwhelmingly negative, with widespread reports of unresponsive representatives:
"I have reported a claim with Safeway insurance for an accident I was involved in. The claim representative I had working on my case was not very helpful. Anytime I was frustrated he just argued with me about how I was in the wrong and I will not get any help with my car. He also stated that I can take it to court but I will lose the case."
"I was in an auto accident with someone with Safeway insurance in which they were at fault and I have not received any phone calls back from Safeway insurance in response to my phone calls."
"We kept getting told it'll be tomorrow or a couple more days and now we can't even get a call back or an email answered and they are ignoring our calls and just sending us to voicemails."
Limited feedback on digital services, but account access issues are reported:
"My account is locked out. It's saying I can unlock it online but it's still saying same thing. Can't find the account. The customer service number is no help."
"They are not very good as they don't inform you when you need to pay on your policy."
Trust issues are pervasive, with customers frequently describing Safeway as a "scam" operation:
"Stay as far away from this company as you possibly can!!!!! They happily take your money and then when you need Safeway to take care of your car or the person you hit, they look for any and every way they can screw their customer. I've been paying them religiously for years then when I had an accident they said [policy issues]."
"I was rear ended by a vehicle that was insured by Safeway. They've been non responsive to myself as well as my insurance company. They don't respond to emails or phone calls and try to run the clock until it times out. Very sad to see such little ethic."
"Worst insurance company. If you are a piece of crap and don't own up to wrong doing in your own life than this company is for you. It's been over 3 months and they still haven't reviewed all of our claim."
Basic coverage is available but limited compared to competitors:
"At Safeway, you can buy standard coverages like liability, comprehensive, and collision coverage, but not add-ons like rental car reimbursement, accident forgiveness, or emergency roadside services."
"I HIT A 50 pound Deer in TUPELO MS I HAVE FULL COVERAGE INSURANCE W/A $500.00 DEDUCTABLE ON COLLISION... SAFEWAY SCREWED ME UP ONE SIDE AND DOWN THE OTHER PUTTING LKQ (LIKE KIND QUALITY/USED BUMPER)... IS A POS COMPANY!!"
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Safeway Insurance provides standard coverages like other major insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons:
Rental Car Reimbursement | Covers the cost of rental car while your vehicle is being repaired after a covered accident | May require collision and comprehensive coverage to qualify |
Towing and Labor | Covers the cost of towing and roadside labor when your vehicle is disabled | May require collision and comprehensive coverage to qualify |
Here are insurance options beyond auto coverage you can bundle or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Safeway Insurance (Directly Offered) | Auto insurance (personal and commercial), homeowners insurance, renters insurance, condominium insurance, mobile home insurance |
Third-Party Partner | No third-party partnerships identified in available information |
Safeway Insurance shows strength in coverage options and ranks decently for customer experience, but affordability remains a weakness compared to competitors. It ranked 28th overall for full coverage and 34th for minimum coverage. However, we recommend you compare insurance quotes, do your own research and decide on coverage needs before buying to get the best deal.
Below are MoneyGeek's expert answers to frequently asked questions about Safeway Insurance car insurance:
Yes, Safeway Insurance is a legitimate car insurance company that earned 29th place in our comprehensive car insurance provider rankings. The insurer particularly stands out for its coverage options, which ranked 12th among all providers we evaluated.
Safeway Insurance isn't a top option for any state it's rated in, but it is in the top ten in most of them.
Safeway Insurance charges adults an average of $1,135 annually for state minimum coverage and $1,956 for full coverage. Annual premiums range from $1,125 to $3,674 for minimum and $1,937 to $6,834 for full coverage.
Customer feedback suggests Safeway Insurance faces criticism for claim denials, with policyholders reporting rejections for legitimate incidents and frustrating appeals processes. However, comprehensive data on their claim handling practices remains limited.
Note: This represents limited information based primarily on forum reviews.
Yes, Safeway Insurance works well for certain high-risk drivers. It ranks 12th overall for drivers with bad credit and 12th for drivers with a DUI, making it an affordable choice for these groups.
Yes, Safeway Insurance raises rates over time due to inflation impacting repair and medical expenses, higher claim frequencies from distracted driving and severe weather, plus increasing vehicle technology costs. Rate adjustments also reflect updated regional risk assessments, regulatory changes, and personal factors like credit score shifts or age-related risk categories.
Safeway isn't the best choice for young drivers. The company ranks 14th for affordability among the insurers we reviewed, making it expensive for an age group that already pays high premiums.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
