Safety Insurance

Based in Boston, Safety Insurance Group has been providing coverage since 1979.

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About Safety Insurance

Since 1979 when Safety Insurance was founded, the company has grown and expanded to become one of the leading providers of a full range of property and casualty insurance products in Massachusetts, New Hampshire and Maine.

Safety Insurance Facts & Ratings

Year Founded1979
Financial StrengthExcellent
BBBA+
A.M Best RatingA

Safety Insurance Mobile App Rating

iOS
     2.48 user reviews
Android
     3.5153 user reviews

The Safety Insurance Mobile app allows access to your policy, 24 hours a day, 7 days a week. You can use it to report a claim, schedule an inspection or submit photos of the damages and/or claim scene. You can also access claim information and view copies of vehicle appraisals.

Pros & Cons of Safety Insurance

  • Great resources for driver safety.
  • Many discounts for young drivers.
  • Safety Insurance only writes insurance in Massachusetts, Maine, and New Hampshire.

Common Questions about Safety Insurance

Is Safety Insurance nationwide?

No Safety Insurance only covers the states of Maine, Massachusetts and New Hampshire.

Who owns safety insurance?

George M. Murphy is President and CEO of Safety Insurance.

How much are Multi-Policy discounts by Safety Insurance?

You can get 6 to 10% in account credits and up to 10% for a multi-car discount in Massachusetts. In New Hampshire and Maine, you can get up to 15% off on your auto insurance policy with a multi-policy discount.

Does Safety Insurance cover rental cars after an accident?

You are covered if you bought Substitute Transportation coverage. Also known as rental coverage, this protection will entitle you to rent a vehicle up to limits while your vehicle is being repaired. If the car is a total loss, you will be covered for a rental vehicle until the settlement offer has been made.

What does Safety Shield cover for auto insurance?

Safety Shield is a broad coverage enhancement endorsement that includes collision waiver of deductible, full-glass coverage, emergency road travel expenses, airbag coverage, transportation expenses, lock-in value (guaranteed replacement cost), rental vehicle loss of income coverage, supplemental towing and labor, airbag mechanical failure, extended substitute transportation, and more. Not all benefits are available in each state.

Does Safety Insurance have accident forgiveness?

Massachusetts’ Safety Shield Plus coverage includes accident forgiveness.

What is Safety Insurance gap coverage?

Gap coverage pays the remaining balance if you still have payments on a car that’s declared a total loss.

Does Safety Insurance offer discounts for young drivers?

Yes, Safety Insurance offers a Good Student Discount and an Away at School Discount.

What is the Safety Insurance cancellation fee?

If you stop making payments without cancelling by phone or in writing you will be charged a fee

How to report an accident to Safety Auto Insurance:

Call with your account number and be very detailed about what happened. Give the agent as much information about the other driver and witnesses as possible. If you haven’t done so, get a police record, which you will need to file a claim for damages.

What does Safety home insurance cover?

As with most standard home insurance policy’s Safety Insurance offers coverage for damage caused by covered perils, dwelling structure damage, contents (damaged or stolen), liability, other structures, and lodging expenses if your home becomes uninhabitable.

How can I save by bundling policies with Safety Insurance?

If you have a policy, you can get a 10% account credit when you purchase a businessowners, commercial auto, commercial package, commercial umbrella, dwelling fire, homeowners or personal umbrella policy.

What discounts Safety Insurance offers to homeowners?

When you buy homeowners insurance from Safety Insurance, you qualify for these discounts: multi-policy discount (20% with auto), 5% discount on personal umbrella policy if you buy auto insurance, 5% discount on dwelling fire policy if you buy auto insurance. You also get a 5% ecustomer discount if you opt for electronic policy issuance. Other discounts include New home credit up to 18%, loss-free credits up to 16% on homeowners and fire and burglar alarm credit up to 16%.

Safety Insurance Products

Auto InsuranceHomeowners Insurance
Dwelling Fire InsurancePersonal Umbrella Insurance
Commercial Auto InsuranceBusiness Owners Insurance
Commercial Package PolicyCommercial Umbrella
Renters Insurance

Safety Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Loan/Lease Gap Coverage

If you have a total loss, Pure will pay the difference if you still owe money on the totaled car.

Safety Shield

Is a broad coverage enhancement endorsement that includes collision waiver of deductible, full-glass coverage, emergency road travel expenses, airbag coverage, transportation expenses, lock-in value (guaranteed replacement cost), rental vehicle loss of income coverage, supplemental towing and labor, airbag mechanical failure, extended substitute transportation, and more. Not all benefits are available in each state.

Safety Shield Plus (Massachusetts only)

All coverages that apply to Massachusetts’ Safety Shield are included here as well as accident forgiveness, expanded personal effects coverage, pet coverage, seat belt coverage, and bail bonds.

Substitute Transportation

Also known as rental coverage will entitle you to rent a vehicle up to limits while your vehicle is being repaired. If the car is a total loss, you will be covered for a rental vehicle until the settlement offer has been made.

Discounts

Safe Driving DiscountMulti-policy Discounts
Student Discountse-Customer Discount
Loyalty DiscountsNew Home Credit
Loss Free Credits

Safety Group Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Safety Group. On average, Safety Group charges approximately $133.55 per month. The cheapest state average is New Hampshire at $107.54 per month followed by Massachusetts at $137.47 per month. The most expensive state average is Massachusetts at $137.47 per month.

State Avg monthly rate
MA $137.47
NH $107.54
State Avg monthly rate

Safety Group Auto Insurance Rates by Vehicle

Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Safety Group charges for drivers who have more than 1 vehicle.

Number of Vehicles Avg Monthly Rate
1 Vehicle $129.79
2 Vehicles $155.50

Safety Group Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Safety Group charges $109.22 per month for drivers who own their home and $141.12 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $109.22
Rent $141.12

Safety Insurance Contact Info

Address 20 Custom House Street, Boston, MA 02110
Phone1 (800) 951-2100
Websitehttps://www.safetyinsurance.com/
Facebookhttps://www.facebook.com/safetyinsurance/
Youtubehttps://www.youtube.com/channel/UCcSbxDPCiLjpXSu-Y67aRvQ
Twitter https://twitter.com/safetyins
Linkedin https://www.linkedin.com/company/safety-insurance/

Methodology

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.


How Does Safety Group Compare to Other Car Insurance Companies?

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