Safeway Insurance Review

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Claims Process
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Financial Strength
Products  |  Price  |  Claims  |  Complaints  |  Financials  |  Bottom Line

Safeway Insurance Summary

Safeway Insurance was founded in 1959 in Westmont, Illinois, where it is currently headquartered. It is the largest privately-held, family-owned insurance company (rather than a mutual firm or stock company) in the country.

The company primarily sells auto insurance for individuals, but it also provides individual property policies for homes, rentals, condominiums, and mobile homes

Safeway uses the agency model to sell its policies. Online quotes are not available, but you can use the website to find the closest agent’s office and begin the process of obtaining coverage.

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Insurance Products

Auto Insurance

You can purchase a full-coverage policy or liability-only insurance, depending on your needs. Liability insurance is necessary in order to comply with state laws. It generally consists of property damage and bodily injury liability. Full-coverage policies add collision, comprehensive, first-party medical coverage and other similar protections for the driver’s vehicle.

Discount information is not available on the Safeway website, but it’s reasonable to assume that safe drivers will generally pay lower rates than those with a history of accidents. The website does mention that options are available for drivers who may have difficulty obtaining coverage from other providers due to their driving record, so some higher-risk policies are available through the company.

Home Insurance

Safeway offers personal property insurance products for homeowners and renters. These policies protect the structure and its contents from certain named perils, such as fire or vandalism. Additional perils may be added to the basic policy to increase the overall protection.

Renter’s insurance protects the individual’s belongings and liability that arises in the residence, not the structure of the home or apartment. Personal property may still be insured even if it is not inside the dwelling at the time of the loss, however, the loss must have been caused by a named peril on the policy.

Safeway Insurance also sells homeowners coverage for mobile and manufactured homes. Because of the unique risks associated with mobile homes, many insurance companies choose not to cover them.

Aside from property insurance, Safeway also sells personal liability coverage as part of its homeowners line. This coverage helps to protect you from lawsuits if someone is injured on your property, such as being bitten by your pet.

Safeway Insurance Rates

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Policies are only sold through licensed agents, therefore, anyone looking for pricing information should consult a local agency to find out more. There is no online option for quotes.


Safeway Insurance claims must be filed through your local agent’s office. There is no contact number or online claims form listed on the company website. Instead, the agency will take down your basic information and get you in contact with a claims representative who will walk you through the rest of the process.

Before contacting your agent, you will need to gather basic information about the loss as well as your policy number and contact information. If a police report was filed for the incident, you will want to bring that to your agent’s office as well so that it can be forwarded to the claims department.

After the initial claim has been filed, you will be provided with an adjuster who will investigate the loss and make payment arrangements for your settlement.

Consumer Research and Complaints

Safeway Insurance has been accredited with the Better Business Bureau since 1997 and has an “A” rating on the BBB website. In the last three years, 27 complaints have been posted on the site; four were closed in the last year. Of these, most are listed as problems with a product or service, with some common complaints involving damage estimates that were lower than desired.

It’s worth noting that Safeway Insurance also has several poor reviews on consumer sites like PissedOffConsumer and CreditKarma. A repeated complaint across these sites is that the adjusters are slow to respond to claims and that they do not value repairs high enough when writing estimates.

Financial Strength

Rating CompanyGradeFinancial Outlook
AM BestAStable

Bottom Line

There is nothing that really jumps out showing Safeway as a great choice for insurance. They have a lot of complaints, their claims process is a bit behind the times (only reporting to an agent), and their financial strength is just slightly above average.

If you have other options for insurance, you probably want to explore those.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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  1. Briana says

    First time dealing with a car accident. First of all it has been horrible. Second of all the lady I am dealing that works at the insurance place has a horrible attitude. Myself and my friend who was in the accident, have had nothing but stress dealing with [Redacted]. I understand that car accidents are stressful to begin with but having to add more stress with your own insurance is the last thing we need. As soon as this is all over I will never use safeway insurance again. All I needed was a few answers and all I got was a bad attitude from someone who clearly hates her job. I advise nobody to use Safeway insurance.

  2. Ashley says

    Boyfriend has safeway and his car was stolen in July. Took them almost 3 wks to finally complete the claim because their computer system was supposedly down for days and the agent never returned calls. Finally got an answer but only to tell us they won’t cover his car that was stolen, wrecked, and gotten back. They left the totalled car on the street in front of our house leaving us to deal with moving it.
    They said there was a clause in the contract that if there isn’t any signs of forcible entry they don’t have to cover.
    We’ve contacted a lawyer because this just isn’t right. We pay for insurance for a reason!

  3. Melba says

    This the worst insurance company ever. They do not honor its obligations. They give you the run around and do everything possible to prevent paying claims. They ask for the same information over and over again instead of settling the claim. They do not return phone calls. Do not do business with this company. They are absolutely horrible!!!!

  4. lisa says

    I don’t like this insurance company at all. Reported incident 3 weeks ago still haven’t gotten my car fixed. The claims rep is never in. When I actually got a chance to talk to her she is giving me the run around as used she doesn’t know what she is doing. Asking question as if I’m not sure or lying. I feel very dishonored as if this company doesn’t respect their customers. I don’t recommend to anyone

  5. Cori says

    Worst insurance company ever!!! 4 months claim still not resolved!! Won’t return phone calls, get an attorney if dealing with this company!! Safeway insurance is horrible!!

  6. Brooke says

    I would NEVER recommend this insurance to anybody!! Absolutely awful. Took 3 months for them to send me a check for an accident. The lady really played stupid and didn’t know anything to be a representative. Pitiful.

    • tnb says

      All of them are rude!!! I told them I was tired of bad customer service. They were mad because AAA was giving me a better rate and GOOD discounts and perks. I just wanted to get in my flesh and go off just a few moments ago. And how dare they charge a cancellation fee because someone offers lower and better coverage. Not to mention the local agent in town was rude to the AAA agent because I was switching, then had the audacity to lie like my coverage had lapsed. Well how is that when they just got my money 3 days prior to me getting a 2nd vehicle. I wouldn’t recommend this insurance to any of my haters…sad but true

  7. Desiree Arnold says

    This company has the worst customer service ever. I was involved in an accident with a Safeway policyholder and everything from getting the vehicle in the shop to renting a car was a task and a nightmare. The claims representative did not answer his phone or return my calls. After calling for four days I had to delay getting my vehicle fixed by one day because he was the person responsible for reserving a rental car. [Redacted] finally made the reservations, however, he reserved a compact car. I drive a 3 seat SUV (Chevy Trailblazer EXT). In an attempt to rectify this problem I tried to contact him and continued to receive a voicemail until I pressed 0 and spoke with an operator. The operator transferred me to [Redacted]. She was very rude and argumentative and wanted to know what I needed an SUV for. She continued to be uncooperative even when speaking with my husband who advised her that my part-time weekend business requires me to carry tables, mannequins, and other displays to and from home parties. [Redacted] stated she could only upgrade us to a Chevy Cruze which is still not large enough for me host my party this weekend and I was forced to cancel. This company has shown me no compassion for being in an accident at the fault of their client and their rude representative is quite opposite from their website claim of friendly representatives.

    Safeway gets an F. Do not support this company.

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