SafeAuto Auto Insurance Review (2024)

Due to significantly higher-than-average car insurance rates, the lack of additional coverage, and few discounts, SafeAuto isn’t a good fit for every driver. In addition, the number of SafeAuto complaints is above average, and coverage is only available in 28 states.

However, it is a good fit for high-risk drivers who only want to meet their state’s minimum requirements. In addition, SafeAuto caters to drivers who may not be eligible for insurance with more traditional insurers.

Drivers should shop around before buying SafeAuto car insurance. Compare rates, ratings, and discounts from multiple insurance companies to find the best deal.

What You Should Know About Safe Auto Insurance Company

Most insurance companies are rated by A.M. Best on financial stability. However, there is no SafeAuto insurance rating, so drivers can’t decide if the company can meet its financial obligations. In addition, J.D. Power hasn’t rated the company on customer satisfaction.

On the other hand, SafeAuto has an A+ rating with the Better Business Bureau (BBB), which rates companies on customer interaction. However, the company is not accredited.

The National Association of Insurance Commissioners (NAIC) tracks customer complaints and scores companies on how many complaints they receive. While the average rating is 1.0, SafeAuto has a 4.29 NAIC score, showing significantly more complaints than normal. Many of the complaints revolve around the claims process.

Although SafeAuto offers high-risk drivers coverage, other drivers may not find what they are looking for with this insurer.

Safe Auto Insurance Company Insurance Coverage Options

Unlike many other top insurance companies, SafeAuto’s list of car insurance coverages is pretty short. While SafeAuto coverage will meet your state’s minimum car insurance requirements, the company offers only a handful of other coverages.

SafeAuto car insurance coverages include the following:

• Liability. Covers property damage and bodily injuries to others in an accident
• Collision. Pays for damages to your vehicle from an accident
• Comprehensive. Covers damages unrelated to an accident, like fire, theft, and vandalism
• Uninsured/underinsured motorist. Helps pay for damages if the at-fault driver has little or no car insurance
• Medical payments. Pays for medical bills related to an accident
• Personal injury protection. Covers other expenses from an accident, like lost wages and childcare
• SR-22. Form required by states to show that high-risk drivers have at least the minimum required car insurance
• Rental car reimbursement. Helps pay for a rental car while your damaged vehicle is repaired
• Roadside assistance. Includes locksmith services, fuel delivery, towing, and jump starts

SafeAuto has also partnered with ForeverCar, a program that offers benefits SafeAuto lacks. Through this partnership, ForeverCar and SafeAuto provide discounted roadside assistance, mechanical breakdown coverage, rental car reimbursement, and emergency travel expense reimbursement.

Safe Auto Insurance Company Insurance Rates Breakdown

Most states require auto insurance, and SafeAuto helps high-risk drivers meet those minimums. While liability coverage is usually required, experts suggest full coverage, including liability, collision, comprehensive, and other coverages.

SafeAuto offers full car insurance coverage, but rates are higher than average. Although SafeAuto caters to drivers looking for the minimum amount of coverage required, you can increase coverage when getting a SafeAuto insurance quote.

This table compares SafeAuto rates for low and high coverage.

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The national average for low or liability-only car insurance is $1,463, and the average for full coverage is $1,621. SafeAuto is more expensive than the national average for both.

Drivers who aren’t high-risk will pay much higher rates with SafeAuto than with a traditional insurer.

Do age and gender affect SafeAuto rates?

Young drivers have less experience behind the wheel and see much higher car insurance rates. Additionally, male drivers are considered riskier and have higher rates. Older and female drivers typically have lower rates.

This table compares average SafeAuto car insurance rates based on age and gender with the national average.

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SafeAuto auto insurance rates for young drivers are around 30% more expensive than the national average. While rates decrease with age, they are still above the national average for all age groups.

How does your driving record impact SafeAuto car insurance rates?

Since SafeAuto caters to high-risk drivers, it’s no surprise your driving record significantly impacts your rates. Drivers with accidents, tickets, and DUIs see much higher rates than drivers with a clean record.

First let’s look at DUIs. This table shows the average annual SafeAuto car insurance rates based on driving records compared to the national average for drivers with clean records and with a ticket.

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Having a ticket on your record can also cause your auto insurance rates to go up.

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And finally, if you are found at-fault in an accident, you can expect to pay more for auto insurance. Here’s how having an accident on your record may affect your SafeAuto insurance rates.

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SafeAuto insurance rates for drivers with an accident are around $42 a month more than the national average. Drivers with a speeding ticket pay around $50 a month more, but drivers with a DUI pay only about $5 a month more.

Does your credit score affect SafeAuto rates?

Your credit score affects everything from your interest rates to your car insurance. Insurers believe that drivers with poor credit are more likely to file a claim and lack the funds to pay out of pocket in an accident.

Although drivers with bad credit scores pay the highest rates, drivers can improve their credit scores by making on-time payments and carefully using their available credit.

Safe Auto Insurance Company Discounts Available

Car insurance discounts are an excellent way to lower rates. Most insurance companies offer various discounts based on the driver, policy, and vehicle. And most drivers qualify for multiple discounts to increase savings.

However, SafeAuto doesn’t offer as many discounts as other top insurance companies. Although the company offers specialized savings like the new business transfer discount, the list of available discounts is short.

Some discounts are only available to specific drivers. For example, SafeAuto offers a defensive driver discount, but it’s only available to drivers aged 55 and older.

Discounts vary by state and may not be automatically applied to your policy. Once you learn which discounts are available, ask for every discount you qualify for. Then, bundle all of your discounts for the most significant savings.