diff --git a/changelog/fix_safe_navigator_for_skips_model_validation.md b/changelog/fix_safe_navigator_for_skips_model_validation.md
new file mode 100644
index 0000000000..c253c12619
--- /dev/null
+++ b/changelog/fix_safe_navigator_for_skips_model_validation.md
@@ -0,0 +1 @@
+* [#1278](https://github.com/rubocop/rubocop-rails/issues/1278): Fix a false positive for `Rails/SkipsModelValidations` when using `insert` with a safe navigator. ([@tldn0718][])
diff --git a/lib/rubocop/cop/rails/skips_model_validations.rb b/lib/rubocop/cop/rails/skips_model_validations.rb
index de92ef30c5..c89cc13422 100644
--- a/lib/rubocop/cop/rails/skips_model_validations.rb
+++ b/lib/rubocop/cop/rails/skips_model_validations.rb
@@ -63,7 +63,7 @@ class SkipsModelValidations < Base
         PATTERN
 
         def_node_matcher :good_insert?, <<~PATTERN
-          (send _ {:insert :insert!} _ {
+          (call _ {:insert :insert!} _ {
             !(hash ...)
             (hash <(pair (sym !{:returning :unique_by}) _) ...>)
           } ...)
diff --git a/spec/rubocop/cop/rails/skips_model_validations_spec.rb b/spec/rubocop/cop/rails/skips_model_validations_spec.rb
index 4e430f23c4..3ab96881dd 100644
--- a/spec/rubocop/cop/rails/skips_model_validations_spec.rb
+++ b/spec/rubocop/cop/rails/skips_model_validations_spec.rb
@@ -57,12 +57,14 @@
       it "does not register an offense for #{method} that looks like String#insert" do
         expect_no_offenses(<<~RUBY)
           string.#{method}(0, 'b')
+          string&.#{method}(0, 'b')
         RUBY
       end
 
       it "does not register an offense for #{method} that looks like Array#insert" do
         expect_no_offenses(<<~RUBY)
           array.#{method}(1, :a, :b)
+          array&.#{method}(1, :a, :b)
         RUBY
       end