Safe Auto Car Insurance – If you need auto insurance as a high-risk driver, consider SafeAuto insurance for state minimum liability coverage. Here’s everything you need to know about SafeAuto insurance and its coverage options.
Founded in 1993, SafeAuto is an insurance company specializing in non-standard car insurance. Headquartered in Columbus, Ohio, SafeAuto is available in 28 states. The insurance company bills itself as a “leading provider of state minimum auto insurance,” making it affordable for high-risk drivers, such as those with poor driving records, poor credit scores, or other factors.
Safe Auto Car Insurance
Ron Davies is the CEO of SafeAuto and a former Allstate executive. In 2021, Allstate acquired SafeAuto through its subsidiary, National General.
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SafeAuto has an A+ rating from the Better Business Bureau, but is not BBB accredited. Most consumer complaints are related to billing and payment, where customers are dissatisfied with the payment process. Other SafeAuto complaints involve problems filing claims. Trustpilot ratings put the company at 3.3/5 with nearly 4,700 reviews. SafeAuto’s NIAC score is 7.61, with nine times the number of customer complaints compared to other auto insurance companies.
SafeAuto does not offer as strong protection options as other auto insurance companies. The primary focus is minimum state auto insurance coverage or coverage only.
SafeAuto offers insurance discounts comparable to other insurance companies. These discounts vary by state and may include the following:
Yes. Allstate acquired SafeAuto in 2021 through Allstate’s subsidiary, National General. SafeAuto still operates under the same name.
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SafeAuto offers auto insurance coverage in Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, New Jersey, New York, North Carolina, Ohio, Oklahoma , Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Wisconsin.
Yes. SafeAuto has a mobile app where customers can access policy information, retrieve insurance cards, renew coverage and make payments. The SafeAuto app also has 24/7 customer support.
Yes. Customers who cancel their SafeAuto insurance policy are subject to a $25 cancellation fee. Customers who pay in full get a refund, with months of coverage, and a cut of SafeAuto for every month they use.
SafeAuto can offer you affordable rates as a high-risk driver or if you need SR-22 coverage. However, if you want the best car insurance rates, don’t sign up for SafeAuto straight away. Use our online quote tool to compare prices between SafeAuto and other companies. You only need a postal code to get started, so see how you can save now.
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By Julia Matseikovich Julia Matseikovich, CEO and Co-Founder , prides herself on educating others about auto insurance so they can make the right decisions for themselves and their families. He has been published in many well-known publications where he has helped educate others about the importance of auto insurance. A white circle with a black border surrounds the stem pointing upwards. It shows “click here to return to the top of the page”.
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SafeAuto is aimed at high-risk or non-standard drivers who may have difficulty finding affordable auto insurance rates elsewhere. It does not provide competitive rates for drivers with longer records and minimal violations.
SafeAuto Auto Insurance is an insurance provider that offers non-standard coverage aimed at high-risk drivers who may have difficulty obtaining affordable auto insurance coverage. If you’ve been charged with DUI or had multiple accidents or speeding tickets that damaged your driving record, this specialty agency can provide an affordable option. If you need to handle an SR-22 application, SafeAuto provides this service and liability coverage to meet state standards.
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You can navigate the SafeAuto website in English and Spanish. Once you’ve got protection, the mobile app makes it easy to access your account.
SafeAuto has been around since 1993 and, most recently in 2021, was acquired by Allstate subsidiary National General. While SafeAuto is different in that it offers non-standard coverage and fills significant coverage gaps, it is only available to drivers in certain states. To learn more, read our SafeAuto auto insurance review on coverage options, affordability, and more.
Through SafeAuto car insurance, you can get similar protection compared to many major car insurance companies. However, the main difference is that these plans may target high-risk drivers who have blemishes on their driving records. Therefore, premiums may also be more expensive.
In addition to the traditional coverage options listed above, SafeAuto has several riders or add-ons available. However, please note that compared to other insurance companies, additional coverage options are limited and include:
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If you’re looking for gap insurance coverage on a financed car, SafeAuto doesn’t include it as an option. As a non-standard insurance company, it also does not offer what some other standard insurance companies call accident forgiveness.
If you are considered a high-risk driver, you will likely pay more for car insurance coverage wherever you go. However, compared to standard insurance companies like Progressive, State Farm, and GEICO, SafeAuto Auto Insurance can offer lower rates for high-risk drivers because it pools risk.
SafeAuto rates will be above the national average for drivers with better driving records. But unfortunately, this makes it uncompetitive for drivers with a typical driving record.
When filing a claim, you need relevant details such as place of incident, time and date. You will also need contact information such as the driver’s name, phone number, insurance information and current address. All of this is in the police report.
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Who owns SafeAuto? Chevron Icon Indicates an expandable section or menu or sometimes previous/next navigation options.
Is SafeAuto a typical insurance company? Chevron Icon Indicates an expandable section or menu or sometimes previous/next navigation options.
SafeAuto is considered a non-standard insurance company. The company writes policies for high-risk drivers for traditional insurance companies. These drivers include those with DUI convictions, multiple traffic violations or accidents, and more.
Which states offer SafeAuto car insurance? Chevron Icon Indicates an expandable section or menu or sometimes previous/next navigation options.
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SafeAuto car insurance is available in Arizona, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. SafeAuto may not offer direct coverage for other states, but will help you find other options.
Does SafeAuto offer SR-22 filing? Chevron Icon Indicates an expandable section or menu or sometimes previous/next navigation options.
SafeAuto offers SR-22 filing and auto insurance for drivers who need it. This applies to things like driving without insurance or drunk driving.
Finding many affordable options can be difficult if you need car insurance specifically aimed at high-risk drivers. As part of this SafeAuto car insurance review, we looked at the types of coverage offered, premium costs, add-ons, and consumer reviews. SafeAuto has limited options for certain target audiences.
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It has good consumer reviews on consumer issues with 4 out of 5 stars. However, consumers have left poor reviews on the Better Business Bureau (BBB) since SafeAuto was acquired. Additionally, coverage for specialty riders is non-existent, but other competitors may not be able to complement it at their special prices.
SafeAuto car insurance is purposely designed for drivers who may have a poor driving record. It stands out for its high-risk insurance options, especially for drivers who need an SR-22. However, the company only offers basic coverage with limited riders.
GEICO Auto Insurance has a broader history as a comprehensive insurance provider. The country may also provide the SR-22, but prices may increase significantly. Unlike SafeAuto, SafeAuto has many benefits such as accident forgiveness, damage protection, and umbrella insurance to get you started. GEICO operates primarily online as a discount retailer. Based on the quotes we saw, GEICO is one of the providers most likely to compete with SafeAuto for some drivers.
If you’re looking for a helpful driving history guide, SafeAuto is of great interest. On the other hand, if you want broad coverage options, there may be better options than Safeco. Another insurance company to consider is Liberty Mutual Auto Insurance. SafeAuto and Liberty Mutual offer extras like roadside assistance and rental car reimbursement, but Liberty Mutual wins with a much larger list of drivers and discounts.
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Liberty Mutual provides gap coverage, original parts replacement and new car replacement insurance. High-risk drivers looking for the basics can check out SafeAuto.
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