May 13, 2022
  • May 13, 2022

SafeAuto Car Insurance Review for 2022

By on January 21, 2022 0
SafeAuto insurance is a popular choice for high-risk drivers. Minimum state-required liability auto insurance coverage is SafeAuto’s primary focus. Specifically, it offers auto insurance for those with bad credit, multiple traffic violations, or DUIs on their records.

Therefore, this makes SafeAuto Insurance an outsized insurer, which is one of the reasons major rating agencies have not rated it.

In this review, you’ll find coverage options, discounts, rates, customer satisfaction information, and SafeAuto’s financial strength to help you make the best choice. We will answer the following questions:

What types of auto insurance can you get from SafeAuto Insurance?

auto insurance ratesSafeAuto The insurance is known to offer minimum liability insurance packages. This strategy is the daily bread of the company.

Notably, 49 states plus the District of Columbia require liability coverage. Liability insurance can protect policyholders against false claims made by the other driver in the event of an at-fault accident.

In addition, SafeAuto offers collision and comprehensive packages.

The insurer will also 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 as proof of coverage.

What are the benefits of SafeAuto insurance?

SafeAuto Insurance also offers several discounts that may be important to you. However, since the company specializes in risky drivers, it does not offer a wide range of discounts.

Here are some of the most popular discounts you can get on a SafeAuto policy:

  • New business transfer discount: You can benefit from this discount if you decide to switch to SafeAuto from another insurance company. All you have to do is give SafeAuto your old insurer’s information.
  • Multi-vehicle discount: You will benefit from a more advantageous rate if you decide to insure several vehicles with SafeAuto.
  • Owner discounts: SafeAuto believes owners are safer drivers. If you own your home, you can benefit from a landlord discount.
  • Good student discount: Students with high GPAs may be eligible for this discount.

SafeAuto Insurance also offers motorcycle, home, renters, life and business insurance. However, they do not provide multi-policy or bundle discount.

How much does SafeAuto insurance cost?

Save money on car insuranceAlthough SafeAuto is a no-frills insurer, its rates still vary. According to Clever, basic liability insurance costs an average of $98 per month with SafeAuto. Savvy collects data from consumers’ current policies, including information on rates, age, marital status, and other demographic data.

The statistics provide a representative sample used as a general guide. Learn more about Savvy’s methodology.

Take a look at the average annual rates below by age group and other demographics.

age range Genre Civil 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 Unavailable
25 to 34 female married $961.00
35 to 49 Male Single $862.80
35 to 49 female Single Unavailable
35 to 49 Male married $1,022.91
35 to 49 female married $1,438.25
50 to 69 Male Single Unavailable
50 to 69 female Single $1,359.80
50 to 69 Male married $906.67
50 to 69 female married Unavailable

Source: Savvy

What other factors will impact my SafeAuto quote?

The amount of your SafeAuto auto insurance quote will depend on other factors too, such as your place of residence, your driving record and your credit score. However, since SafeAuto specializes in policies for high-risk drivers, this company may be an option if you fall into this category.

Specifically, the company offers a pay-as-you-go option for liability insurance. This means you can purchase insurance in 3, 7, 14 or 30 day increments. With this option, you can activate your cover only on the days you drive. This can help keep your rate low, especially after an accident.

DUI

Penalties for DUI citations are common among insurers and can be very high. Looking at all the insurance companies across the country, Zebra estimates that drivers with DUIs can expect to pay between 30% and 100% more for car insurance.

SafeAuto caters to high-risk drivers, including those with DUIs, so it might be an insurer to keep on your list while you research providers.

car accidents

SafeAuto might be one of your best options if your driving record includes multiple at-fault car accidents. Why? Because they specialize in covering drivers like you.

All-state-responsible-accident-insuranceGoing with another insurer can mean seeing 50% year-over-year rate increases, for an average of $767, data from Zebra shows.

Credit score

SafeAuto might be one of the cheapest options for you if you have a “bad” or “very bad” credit score. According to Zebrachoosing SafeAuto could help you avoid paying up to 115% more than drivers with great credit.

How satisfied are SafeAuto insurance customers?

Car insurance on the phoneThere’s more to consider with SafeAuto as its coverage options and discounts. You may notice that their website is user-friendly and allows you to ask the company questions about their coverage. The website is also available in French and Spanish.

SafeAuto offers a mobile app to access your policy and do various things regarding your insurance coverage.

Complaints are high and ratings are low

Given the size of SafeAuto, state regulators have received numerous 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.

Therefore, drivers may need to consider shopping around with multiple providers to see which insurer is right for them.

SafeAuto Insurance Background

SafeAuto, founded in 1993, is headquartered in Columbus, Ohio, and provides coverage for drivers in 28 states. Allstate has agreed to acquire SafeAuto in 2021, which could help the company expand its offerings and capabilities.

SafeAuto is not currently rated by AM Best, Standard & Poor’s or Moody’s. However, ConsumerAdvocate.org gave the company a financial strength rating of 4.2 out of 5.

Before buying car insurance, compare the rates of different insurers to find the plan that suits you best, especially before buying a new or used car.

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