Safeco Insurance in Minnesota

Safeco, founded in 1923 and headquartered in Seattle, Washington, offers auto, home, renters, motorcycle, boat, and umbrella insurance. Safeco was Liberty Mutual's independent-agent brand for auto, home, renters, motorcycle, and boat coverage. Liberty Mutual retired the Safeco brand on April 25, 2026. Its personal lines are now marketed and sold as Liberty Mutual, and existing policies keep their agent relationships.

In Minnesota, drivers are required to carry minimum auto liability coverage of 30/60/10 + PIP. Minnesota is a no-fault state. Harsh winters and severe storms impact both auto and home insurance. The average auto insurance rate in Minnesota is $1,592 per year, though your actual rate with Safeco may be higher or lower depending on your driving record, vehicle, and coverage level.

Safeco is built for drivers who buy through independent agents. Comparing several carriers side by side is the surest way to find the best rate in Minnesota, whether you need basic liability or full coverage.

Minnesota also faces elevated tornadoes and severe-storm hail exposure, which affects how carriers price coverage here. When evaluating Safeco in Minnesota, pay attention to deductibles for wind, hail, or wildfire — they can vary significantly between carriers and meaningfully change your out-of-pocket cost after a claim.