Safeco rating: 3.5 out of 5 stars Safeco auto insurance, a Liberty Mutual subsidiary, isn’t the flashiest. But it might quietly reward you more than most if you stick around. Drivers who go multiple years without an accident or violation can unlock deeper discounts, deductible reductions, and even receive cash back twice a year. Plus, Safeco’s auto insurance rates are close to average. If you’re the type to stay with the same insurer for years (and you’ve got a clean driving record), Safeco could be a goo ...