Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key Takeaways

  • Safeco Insurance roadside assistance costs $8 to $10 annually on average
  • With Safeco roadside assistance, you get towing services, lockout services, fluid refills, tire replacements, and battery maintenance
  • Roadside assistance through Safeco Insurance is available by phone or in the mobile app any time and day of the week

Safeco Insurance roadside assistance costs less than $1 per month on average and can be added to your policy by speaking with your local agent.

Keep reading this review of Safeco roadside assistance to learn precisely what benefits you get by adding this coverage to your policy. We’ll also look at costs, roadside assistance claims, and real customer reviews to help you determine if this is the right roadside assistance program for you.

What is Safeco Insurance roadside assistance?

Safeco Insurance, a Liberty Mutual subsidiary, offers roadside assistance to policyholders for less than $1 per month on average.

Roadside assistance services provide you with protection if you experience a mechanical breakdown.

It’s a common optional policy add-on offered by most major car insurance companies.

In the table below, view details about exactly what benefits you gain by adding Safeco’s roadside assistance package to your car insurance policy.

Safeco Roadside Assistance Details
Roadside Assistance PerkDetails
Battery serviceSafeco sends a crew to jumpstart your car if your battery fails.
Flat tireA crew will fill your tires with air or replace a flat tire if you have an inflated spare.
Fuel and fluidsA crew will deliver radiator fluid, brake fluid, gas, or other essential liquids as long as you pay for the cost of the items.
LockoutIf you lose your keys or lock them in the car, a locksmith is sent to help you. Additional fees may apply.
TowingIn the event of a breakdown, Safeco tows your vehicle to the nearest qualified service station within 15 miles.
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Safeco Insurance roadside assistance protects you from things like running out of gas, losing your car keys, or getting a flat tire. Understand that if you require fuel or fluid, your insurance does not cover the cost of the items. Similarly, the company only covers changing your tire if you already have an inflated spare.

These are relatively standard practices in the insurance industry.

You also must purchase the coverage prior to any mechanical breakdowns for the occurrence to be covered by your policy.

A phone line is available to request assistance at any time or day of the week. Users can also contact roadside assistance support through the generic Safeco mobile app compatible with most Android and Apple devices.

There is no separate Safeco roadside assistance app to worry about.

If you’re a new customer, you may have the option to add roadside assistance to your policy while selecting from the various available coverages. However, you must speak with your local independent agent to add roadside assistance to your Safeco car insurance policy as a current customer.

Beyond traditional roadside assistance, Safeco also offers motorcycle roadside help. Trip interruption benefits are included as part of this coverage.

However, according to the website, Safeco roadside assistance availability and offerings may vary by state.

Speak with a local agent to determine if Safeco offers this optional coverage where you live.

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How much does Safeco roadside assistance cost?

Your Safeco roadside assistance rates vary depending on where you live and what type of car you drive.

Sources suggest that Safeco roadside assistance costs $8 to $10 annually on average, or less than $1 per month.

This is lower than the average cost of roadside assistance from other top car insurance companies, which typically costs between $12 to $50.

Depending on the company you use and where you live, you may be required to purchase both comprehensive coverage and collision insurance to qualify for roadside assistance services. These are optional policy add-ons that are not required by state laws.

Adding them to your policy will cause your car insurance rates to increase.

But what are the average annual collision and comprehensive car insurance expenditures? According to the Insurance Information Institute (III), collision insurance costs $377.62 annually, and comprehensive coverage costs $167.91 annually on average.

So, depending on regional laws where you live, you may also need to also account for the cost of these additional coverages on top of the price of the roadside assistance services.

How do I contact Safeco roadside assistance?

Fortunately, contacting the Safeco roadside assistance services is easy and convenient. Consumers can contact Safeco roadside assistance directly through the mobile app or over the phone.

The Safeco Insurance roadside assistance phone number is 1-877-762-3101.

According to the website, the phone line is active at all hours of the day, seven days a week. For efficiency’s sake, it is separate from the Safeco Insurance customer service phone number, 1-800-332-3226.

The website does not provide any information about common wait times for service. However, the company’s mobile app is highly rated by real customers. Based on online consumer reviews, requesting roadside assistance through the mobile app appears to be the preferred method for most Safeco drivers.

How does Safeco roadside assistance compare to other companies?

Let’s compare the Safeco roadside assistance services to the same coverage offered by other top car insurance companies.

Averaging just $8 to $10 annually, the Safeco roadside assistance package is one of the cheaper options available to drivers.

The table below shows the average cost of roadside assistance from other top companies.

Average Annual Roadside Assistance Costs by Company
CompanyAverage Annual Cost of Roadside Assistance
AAA$59
Allstate$25
GEICO$14
Nationwide$23
Progressive$23
State Farm$48
USAA$16
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Companies like Progressive, Allstate, and State Farm charge almost $10 more per year for very similar roadside assistance packages.

However, the Safeco website does not mention winching services, which other top companies provide as part of the roadside assistance package.

Similarly, the website does not mention any on-site mechanics or labor coverage. Other companies, including GEICO and Progressive, offer up to one hour of on-site maintenance as a roadside assistance benefit.

If we look at Safeco roadside assistance versus AAA, the price difference is even more significant. However, this is because AAA is a motor club that provides additional benefits beyond roadside assistance services, accounting for the higher price.

Fortunately, Safeco roadside assistance reviews from real users are also primarily positive. People like the convenient mobile app and access to help at any time of day.

Some customers say Safeco provides cheaper rates than other companies if you have a teen driver on your policy. So if you are the parent or guardian of a new driver, add Safeco to your list of companies to compare.

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Is roadside assistance worth it?

Roadside assistance services are worthwhile investments for most drivers. But it really depends on how often you drive, and what you use your car for.

If you drive regularly, commute to work, and use your car for travel and leisure purposes, consider getting roadside assistance. This coverage keeps you safe on the road, so if you ever experience a mechanical breakdown or emergency, you’ll know reliable help is on the way and covered by your car insurance.

Typically, buying roadside assistance services is cheaper through a car insurance company.

But understand that the coverage only follows the specific vehicle, not you, the policyholder.

So, if you’re driving someone else’s vehicle, and it breaks down, do not expect your Safeco roadside assistance coverage to apply.

Safeco Insurance Roadside Assistance: The Bottom Line

Overall, the Safeco Insurance roadside assistance package is affordable and offers a decent range of protection.

If you’re already a Safeco customer and are satisfied with your coverage, consider adding roadside assistance to your policy.

Safeco is not active or available in all states. As a result, in some regions, the quotes are much higher than other companies, mitigating the lower than average cost of roadside assistance services. Some drivers may have better luck securing cheaper coverage with roadside assistance services from other top car insurance companies.

Similarly, the Safeco roadside assistance coverage does not include winching services or on-site mechanic or labor costs. Some drivers may want a more well-rounded program that provides these convenient perks.