Consequently, this makes SafeAuto Insurance a non-standard insurer, which is one of the reasons the major rating agencies haven’t rated it.
In this review, you will find SafeAuto’s coverage options, discounts, rates, customer satisfaction information, and financial strength to help you make the best choice. We’ll answer the following questions:
SafeAuto Insurance is known for offering minimum liability insurance packages. This strategy is the company’s bread and butter.
Notably, 49 states plus the District of Columbia require liability coverage. Liability insurance can protect policyholders from false claims made by the other driver in the case of an at-fault accident.
In addition, SafeAuto provides collision and comprehensive packages.
The insurer also will provide you with SR-22 documentation. An SR-22 is what you need for proof of insurance after multiple violations, a DUI, and more. In this case, they provide you with an SR-22 form for proof of coverage.
SafeAuto Insurance also provides several discounts that may be important to you. However, as the company specializes in at-risk drivers, they do not offer a broad array of discounts.
The following are some of the most popular discounts you can get on a SafeAuto policy:
SafeAuto Insurance also offers motorcycle, homeowners, renters, life, and business insurance. However, they do not provide a multi-policy or bundle discount.
Although SafeAuto is a no-frills insurer, its rates still vary. According to Savvy, basic liability insurance costs an average of $98 per month with SafeAuto. Savvy collects data from consumers’ current policies, including rate information, age, marital status, and other demographics.
The statistics offer a representative sample used as a general guide. See more about Savvy’s methodology.
Take a look at the average annual rates below by age group and other demographics.
| Age Group | Gender | Marital Status | Average Annual Cost |
| 18 to 24 | male | single | $1,670.21 |
| 18 to 24 | female | single | $2,088.91 |
| 18 to 24 | male | married | $2,916.00 |
| 18 to 24 | female | married | $2,916.00 |
| 25 to 34 | male | single | $1,128.69 |
| 25 to 34 | female | single | $1,630.71 |
| 25 to 34 | male | married | Not available |
| 25 to 34 | female | married | $961.00 |
| 35 to 49 | male | single | $862.80 |
| 35 to 49 | female | single | Not available |
| 35 to 49 | male | married | $1,022.91 |
| 35 to 49 | female | married | $1,438.25 |
| 50 to 69 | male | single | Not available |
| 50 to 69 | female | single | $1,359.80 |
| 50 to 69 | male | married | $906.67 |
| 50 to 69 | female | married | Not available |
Source: Savvy
The amount of your SafeAuto auto insurance quote will depend on other factors too, like where you live, your driving record, and your credit score. However, as SafeAuto specializes in policies for high-risk drivers, this company may be an option if you fall within this category.
Specifically, the company offers a pay-as-you-go option for liability insurance. That means you can buy insurance in increments of 3,7,14 or 30 days. With this option, you can activate your coverage only on the days you drive. This may help keep your rate down, especially after a mishap.
Penalties for DUI citations are common among insurers and can be very steep. Looking at all insurance companies across the country, The Zebra estimates that drivers with DUIs can expect to pay anywhere from 30% to 100% more for car insurance.
SafeAuto caters to high-risk drivers, including those with DUIs, so it could be an insurer to keep on your list as you search for providers.
Car Accidents
SafeAuto could be one of your best options if your driving record includes several at-fault car accidents. Why? Because they specialize in providing coverage for drivers just like you.
Going with another insurer may mean seeing rate increases of 50% year-over-year, averaging $767, data from The Zebra shows.
SafeAuto could be one of the cheapest options for you if you have a “poor” or “very poor” credit score. According to The Zebra, going with SafeAuto could help you avoid paying as much as 115% more than drivers with exceptional credit.
There is more to consider with SafeAuto than just its coverage options and discounts. You might notice that their website is user-friendly and allows you to ask the company questions regarding their coverage. The website is also available in English and Spanish.
SafeAuto offers a mobile app to access your policy and do various things regarding your insurance coverage.
Considering SafeAuto’s size, state regulators have received many complaints about the insurer. The National Association of Insurance Commissioners, or NAIC, is an organization of insurance regulators that, among other things, sets industry standards. NAIC rated SafeAuto “above average” for customer complaints.
As a result, drivers may need to consider shopping several providers to see which insurer works best for them.
SafeAuto, founded in 1993, is headquartered in Columbus, Ohio, and provides coverage to drivers in 28 states. Allstate agreed to acquire SafeAuto in 2021, which could help the company expand its offerings and capabilities.
SafeAuto is currently not rated by A.M. Best, Standard & Poor’s, or Moody’s. However, ConsumerAdvocate.org has given the company’s financial strength rating a 4.2 out of 5.
Before purchasing auto insurance, compare rates with various insurance providers to find the plan that works best for you, especially before buying a new or used car.
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