SafeAuto Car Insurance Review (2023)
SafeAuto car insurance offers affordable rates to high-risk drivers, with premiums averaging $298/mo. However, the company receives poor customer service reviews for a slow claims process. It earned an abysmal "F" from the Better Business Bureau. SafeAuto's NAIC ratio is 2.66, which means it sees twice the number of complaints than other companies. If you're shopping for car insurance, you may find better coverage when you compare SafeAuto insurance quotes online.
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Written by
Ashley Dannelly |
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Reviewed by
Daniel Walker
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UPDATED: Mar 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Mar 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- SafeAuto specializes in high-risk car insurance
- SafeAuto insurance rates average $3,572/yr ($298/mo)
- SafeAuto earned a customer service rating of “F” from the Better Business Bureau
SafeAuto car insurance caters to high-risk drivers who need to file SR-22 and cannot find coverage with standard insurance companies. SafeAuto insurance rates are often more expensive but still competitive.
On average, SafeAuto car insurance rates are $298 per month. When monthly high-risk rates average $300 or more, it can be difficult to find cheap car insurance for high-risk drivers. But SafeAuto is an affordable option. Keep reading to compare SafeAuto insurance quotes against other companies for free.
The fastest way to ensure you aren’t overpaying for coverage is to compare the SafeAuto insurance company with other high-risk car insurers in your area. Our guide breaks down SafeAuto rates, discounts, coverages, and the claims process. We also compare SafeAuto’s financial and customer service ratings so you can make an informed decision about car insurance.
How much does SafeAuto car insurance cost?
To get started, SafeAuto sells policies designed for high-risk drivers. You can still shop with SafeAuto with a clean driving record, but insurance quotes will be more expensive than average.
SafeAuto car insurance costs $298 per month on average, or $3,572 per year.
Your SafeAuto insurance quotes will vary based on your age, where you live, and the kind of car you drive. When you buy high-risk car insurance, your rates are also impacted by your traffic violation. For example, drivers with DUIs can pay double or triple those with speeding tickets. However, compared with the top car insurance companies, SafeAuto insurance is average, if not slightly more expensive.
See how SafeAuto insurance rates compare in the table below:
| Company | Average Annual Rates With Clean Record | Average Annual Rates With 1 Accident | Average Annual Rates With 1 DUI | Average Annual Rates With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
| American Family | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
| Farmers | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
| Geico | $2,145.96 | $3,192.77 | $4,875.87 | $2,645.43 |
| Liberty Mutual | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
| Nationwide | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
| Progressive | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
| State Farm | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
| Travelers | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
| USAA | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
As you can see, you can probably find cheaper coverage with another company, especially if you only have minor violations on your driving record. Shop around with smaller insurance companies in your state to see if any offer more competitive rates.
How much does SafeAuto insurance cost in my state?
Where you live has a big impact on your SafeAuto car insurance rates. Comparing quotes by ZIP code is your best bet to finding the most accurate rates online. To get you started, we gathered the average cost of car insurance in your state:
| State | Average Monthly Liability Insurance Rates | Average Monthly Full Coverage Insurance Rates |
|---|---|---|
| Alabama | $37 | $79 |
| Arizona | $48 | $89 |
| California | $45 | $88 |
| Colorado | $49 | $91 |
| Georgia | $55 | $98 |
| Illinois | $40 | $77 |
| Indiana | $34 | $67 |
| Kansas | $32 | $76 |
| Kentucky | $47 | $83 |
| Louisiana | $73 | $128 |
| Maryland | $55 | $100 |
| Mississippi | $41 | $88 |
| Missouri | $38 | $79 |
| Ohio | $35 | $69 |
| Oklahoma | $40 | $88 |
| Pennsylvania | $43 | $85 |
| South Carolina | $50 | $89 |
| Tennessee | $37 | $77 |
| Texas | $49 | $101 |
| Virginia | $38 | $74 |
Don’t see your state on the list? SafeAuto car insurance is only available in 20 states. If your state isn’t in the table, you will have to buy car insurance from another company. Start comparing quotes here with the best car insurance companies we know.
If SafeAuto is available in your state, then use rates in both tables as a base to compare your free car insurance quotes.
Does SafeAuto offer discounts on car insurance rates?
Despite pricier rates upfront, drivers can lower their premiums with SafeAuto insurance discounts:
- Anti-theft discount
- Paid-in-full discount
- Good student discount
- Multi-vehicle discount
- Homeowners discount
- Driver improvement course discount
If you switch companies and buy a new SafeAuto policy, you’ll also earn a new business discount. Just send proof of your former policy when you sign up for coverage.
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What types of car insurance policies does SafeAuto offer?
SafeAuto offers the standard liability, collision, and comprehensive coverage provided by most companies. It also provides uninsured motorist coverages, medical payments, and personal injury protection. But unlike other companies, SafeAuto offers short-term car insurance of 30 days or more.
If you need SR-22 insurance, you can buy a policy with SafeAuto, and they will file your SR-22 with the local DMV.
Roadside coverage is also available with SafeAuto, including towing options and rental reimbursement. Drivers can add accidental death benefits that are awarded to survivors in case of a deadly accident.
If you need additional coverage, consider buying the SafeAuto ForeverCar service program. Drivers earn an additional 44% off vehicle services at ForeverCar. Other perks include emergency roadside assistance and mechanical breakdown coverage.
Adding these SafeAuto products and programs to your policy will raise your rates. However, if you have a long commute or are traveling with precious cargo, a little additional coverage can give you peace of mind. Consider your needs and compare quotes for different programs before you buy SafeAuto insurance.
Does SafeAuto offer other insurance policies?
SafeAuto insurance company specializes in all types of personal and property insurance. Along with auto policies, SafeAuto offers:
- Motorcycle insurance
- Homeowners and renters insurance
- Dental insurance
- Health insurance
- Business insurance
Buying other policies with SafeAuto could earn you a discount on car insurance. However, SafeAuto partners with many third-party affiliates to underwrite its homeowner and health insurance policies.
What are SafeAuto insurance company ratings?
An insurance company’s financial ratings are very important. It shows an insurer is capable of paying out on claims. A.M. Best is a credit rating company that determines the financial strength of the industry’s biggest competitors.
SafeAuto’s A.M. Best score is A-, which is strong. SafeAuto can payout on its customers’ claims.
On top of financial strength, car insurance rates and customer reviews are the top things drivers should look at before buying a policy, and when it comes to rates, SafeAuto quotes can get competitive if you qualify for discounts.
Let’s take a closer look at SafeAuto customer reviews to see how the company compares:
- Better Business Bureau: F
- NAIC: 2.66
The Better Business Bureau gathers customer service data on companies and allows users to leave reviews on its website. SafeAuto earned an “F” for 211 customer complaints regarding a slow claims process.
The National Association of Insurance Commissioners (NAIC) provides the industry’s customer complaint median score. With a median of one, a score of 2.66 means SafeAuto receives more complaints than average.
SafeAuto’s positive financial strength ratings pale in comparison with such poor customer service ratings. When the top companies have financial ratings of A++, an A- leaves much to be desired when you’re searching for the right car insurance company.
How to Cancel SafeAuto Car Insurance
Drivers can cancel SafeAuto car insurance coverage at any time. You cannot cancel coverage online. You must call customer service to cancel your policy with an exact date to terminate coverage.
Call 1-800-732-3288 to speak with a customer service agent and cancel your SafeAuto insurance.
Although you can cancel your policy at any time, SafeAuto reserves the right to charge a cancellation fee. Usually, this short-rate fee is a percentage of your monthly premiums.
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How to File a SafeAuto Insurance Claim
If you’ve been involved in an auto accident, gather the insurance information of every driver involved. To report a claim, make sure you have the following:
- Year, make, and model of all vehicles involved
- Phone numbers and addresses of all drivers involved
- Brief summary of the accident, including date, time, and location
To file a SafeAuto insurance claim, visit the company website and choose “Report a New Claim Online.” Then fill out the online form, and a claims adjuster will get in touch with you as soon as possible.
Drivers can also file claims over the phone by calling 1-800-732-3288. The claims office is open weekdays from 8 a.m. to 8 p.m. and Saturdays from 8 a.m. to 5 p.m.
SafeAuto Car Insurance Review: The Bottom Line
If you’re a high-risk driver, SafeAuto offers competitive car insurance rates. However, if you’re a young driver or are facing DUI charges, expect your insurance rates to be expensive everywhere.
On average, SafeAuto insurance costs $3,572 per year. You may pay more if you drive a new vehicle or live in a bigger city, so compare car insurance quotes from at least three different companies before you decide to buy SafeAuto.
Despite affordable rates, SafeAuto customer reviews are poor. The company is very slow to process and pay insurance claims — a strong financial rating doesn’t mean much when you’re waiting weeks on a payout. You’ll likely find more affordable car insurance with another high-risk insurance company in your neighborhood.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
|
Written by
Ashley Dannelly |
|
Reviewed by
Daniel Walker
|