Safety Insurance Group, an auto, car and home insurer based in Boston, has reported second-quarter net income of $20.9 million, compared to $22.9 million for the same period last year, an 8.7 percent decrease.

Year-to-date, net income was $40 million, compared to $47.6 million for the comparable 2007 period. Direct written premiums for the quarter ended June 30 decreased by $6.7 million, or 4.3 percent, to $151.8 million from $158.5 million for the same period last year.