What is Safeco now called?
Safeco Insurance officially retired its brand name and transitioned all personal lines products to Liberty Mutual as of April 25, 2026.
What This Means for Policyholders
- No policy changes: Your coverage limits, terms, deductibles, and premiums are not affected by the rebrand.
- Same independent agent: You keep your existing relationship with your local independent insurance agent.
- No action required: You do not need to sign new paperwork, update your payment methods, or request new auto ID cards manually.
- Billing and apps: Automatic payments continue uninterrupted. Future bills and renewal documents will feature the Liberty Mutual name and logo.
Why is Safeco changing to Liberty Mutual?
Safeco is changing to Liberty Mutual because parent company Liberty Mutual Insurance retired the Safeco brand name to unify all personal lines products under a single master brand.
Why the Rebrand Happened
- Single Brand Strategy: Liberty Mutual acquired Safeco in 2008 but kept it as a separate name for independent agents.
- Resource Sharing: Combining operations lets the company put all technology, marketing, and financial support behind one name.
What It Means for You
- No Policy Changes: Your coverage limits, deductibles, and premium amounts stay the same.
- Same Agent: You keep your current independent insurance agent and local support.
- Paperwork Update: You will see the Liberty Mutual logo instead of Safeco on your bills and ID cards at your next renewal.
What is happening with Safeco Insurance?
Liberty Mutual Insurance officially retired the Safeco Insurance brand name, completing a transition to market all personal lines solely under the Liberty Mutual name.
What the Rebrand Means
- No Policy Changes: Your coverage limits, terms, deductibles, and premium rates stay completely the same.
- Same Agent: You keep your current local independent insurance agent and primary point of contact.
- Automatic Updates: New ID cards with Liberty Mutual branding arrive automatically at your next policy renewal.
- Billing and Claims: Existing automatic payments, claims adjusters, and claim numbers continue without any interruption or delay.
Is Safeco a part of Allstate?
No, Safeco is not part of Allstate.
Ownership Details
- Safeco is a subsidiary of Liberty Mutual Insurance, which acquired the company in 2008.
- Allstate is a completely separate, publicly held personal lines insurer and operates its own family of brands (such as National General).
Did Safeco get bought out?
Safeco was acquired by Liberty Mutual Insurance in 2008, and Liberty Mutual officially retired the Safeco brand name on April 25, 2026.
What the Change Means
- Rebranding: All personal auto, property, and specialty products are now sold and marketed solely under the Liberty Mutual name.
- Policies: Your current coverage levels, rates, deductibles, and billing remain completely unchanged by this transition.
- Agents: You keep your existing relationship with your independent insurance agent.
- Agent Opinions: Opinions are mixed on the InsuranceAgent subreddit, where some agents welcomed the strong brand recognition of Liberty Mutual while others worried about commission or direct-marketing impacts.
JenesisNow - Liberty Mutual (formally Safeco) has been added to J-Rate for NC
Is Safeco a good insurance provider?
Safeco is a solid insurance provider for good drivers who want customizable coverage and safe-driving perks, but customer service and satisfaction ratings are mixed.
The Pros of Safeco
- Strong Financial Backing: Safeco holds an AM Best financial strength rating of "A" (Excellent) and is a subsidiary of Liberty Mutual, ensuring high stability and a strong ability to pay out legitimate claims.
- Perks for Good Drivers: Policyholders can benefit from accident forgiveness, a diminishing deductible (reducing your deductible for every six months without an accident), and a claims-free cash back program.
- Diverse Coverage Options: Beyond standard auto and home insurance, they offer specialized policies for classic cars, watercraft, RVs, and pet health.
The Cons of Safeco
- Mixed Customer Satisfaction: While financial and claims ratings score well on some platforms, Safeco has historically drawn a higher-than-average volume of consumer complaints regarding customer service and unexpected rate hikes relative to its size.
- Agent Requirement: You cannot buy policies directly online without a middleman; Safeco sells exclusively through independent local agents.
You can read a detailed analysis on WalletHub or compare provider perks directly on NerdWallet.
What are the top 5 worst homeowners insurance companies?
Based on recent industry surveys like J.D. Power's property and satisfaction studies, the lowest-ranking homeowners insurance companies for customer satisfaction and claims include Universal Direct, Tower Hill Insurance, National General, Homesite, and Foremost.
Lowest-Ranking Home Insurers
- Universal Direct: Ranks at the very bottom of major customer satisfaction and claims surveys due to slow response times and service issues.
- Tower Hill Insurance: Frequently scores near the bottom for overall customer experience and policyholder satisfaction.
- National General: Scores poorly on consumer satisfaction metrics regarding communication and payout handling.
- Homesite: Routinely lands at the bottom of J.D. Power claims satisfaction rankings for property coverage.
- Foremost: Receives below-average customer satisfaction scores for handling claims and policy value.
What insurance is better than Safeco?
Major insurance companies like State Farm, GEICO, and Progressive often surpass Safeco in average rates, customer service ratings, and claims satisfaction.
Top Competitors vs. Safeco
- State Farm: Ranks higher than Safeco for customer service and claims satisfaction in J.D. Power studies, often offering lower average premiums.
- GEICO: Frequently provides lower average rates for minimum and full coverage, backed by higher customer satisfaction scores.
- Progressive: Offers a wider variety of specialized coverage options (such as classic car and commercial auto) and competitive multi-vehicle discounts.
- USAA: Consistently rates as one of the best overall insurers for customer satisfaction and pricing, though eligibility is restricted to military members, veterans, and their families.
What's the worst auto insurance company?
There is no single "worst" auto insurance company, but major carriers like Allstate, Liberty Mutual, and Progressive frequently rank poorly in customer satisfaction and claim-handling reviews.
Major Insurers with Frequent Complaints
- Allstate: Often criticized by consumer advocates and attorneys for using strict claim-evaluation software (like Colossus) that can delay or lower payout offers.
- Liberty Mutual: Frequently scores low in consumer satisfaction surveys due to high rates of disputed claims and sudden rate increases.
- Progressive: Regularly cited by customers and repair shops for lowball vehicle damage evaluations and pushing for cheaper or repaired parts over replacements.
- State Farm: While massive in market share, it often lands in lower consumer tiers for aggressive claim-denial strategies.
Budget and Regional Insurers to Watch
- Low-Cost Non-Standard Insurers: Companies like Ocean Harbor, Direct General, and United Auto often rank lowest among personal injury attorneys because they offer very cheap rates but aggressively deny or contest valid claims.
- Bottom-Scoring Regional Brands: In annual satisfaction studies like J.D. Power's Auto Insurance Shopping Study, brands like Safeco and Mercury routinely score at the bottom.
Does Safeco Insurance still exist?
No, the Safeco Insurance brand name no longer exists as an independent name because Liberty Mutual Insurance officially retired the brand on April 25, 2026.
What This Means for Your Policy
- Same Coverage: Your policy limits, deductibles, and coverages do not change.
- Same Agent: You keep the same independent insurance agent you used under Safeco.
- New Name on Paperwork: Your bills, documents, and ID cards will feature the Liberty Mutual name and logo at your next renewal.
- No Action Needed: You do not need to call anyone or switch policies. Your billing and active claims continue without interruption.