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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 Founded | 1979 |
| Financial Strength | Excellent |
| BBB | A+ |
Safety Insurance Mobile App Rating
| iOS | 2.4 | 8 user reviews |
| Android | 3.5 | 153 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 Insurance | Homeowners Insurance |
| Dwelling Fire Insurance | Personal Umbrella Insurance |
| Commercial Auto Insurance | Business Owners Insurance |
| Commercial Package Policy | Commercial 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 Discount | Multi-policy Discounts |
| Student Discounts | e-Customer Discount |
| Loyalty Discounts | New Home Credit |
| Loss Free Credits |
Safety Group Auto Insurance Rates by State
Safety Group Auto Insurance Rates by Vehicle
| Number of Vehicles | Avg Monthly Rate |
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Safety Group Auto Insurance Rates by Homeownership
| Own/Rent | Avg Monthly Rate |
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Safety Insurance Contact Info
| Address | 20 Custom House Street, Boston, MA 02110 |
| Phone | 1 (800) 951-2100 |
| Website | https://www.safetyinsurance.com/ |
| https://www.facebook.com/safetyinsurance/ | |
| Youtube | https://www.youtube.com/channel/UCcSbxDPCiLjpXSu-Y67aRvQ |
| https://twitter.com/safetyins | |
| 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?
| Safety vs Pemco | Safety vs Meemic |
| Safety vs Hartford | Safety vs Arbella |
| Safety vs Metlife | Safety vs National General |
| Safety vs Plymouth Rock | Safety vs Utica National |
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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