Our SafeAuto Insurance review rates the provider 4.0 out of 5.0 because it offers reliable coverage options for a midsize insurance company.
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In This Review In This Review:
If you’re shopping for car insurance, you may have come across SafeAuto Insurance Company. Our team dug into the details of this insurance company to bring you a full guide to SafeAuto Insurance reviews, coverage, discounts, and more.
The provider didn’t make our list of the best car insurance companies, but it could still be worth considering if it’s offered in your area. Start comparing free, personalized quotes with available providers in your state by filling out the form below.
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We give SafeAuto Insurance a 4.0-star rating overall. It’s part of Direct Auto insurance today and is a decent option for high-risk drivers or people who want minimum-coverage insurance. Our rating takes into account categories of reliability, availability, coverage, cost, service, and technology.
| Rating Category | Our Rating |
|---|---|
| Reliability | 3.8 |
| Availability | 4.1 |
| Coverage | 3.8 |
| Cost | 4.5 |
| Service | 3.8 |
| Technology | 4.0 |
| Overall Rating | 4.0 |
SafeAuto auto insurance products are available from physical store locations in 16 states:
SafeAuto may also sell plans online in other states.
Below are a few pros and cons of SafeAuto that we found in our review.
While SafeAuto Insurance specializes in state-minimum coverage, it has a wide range of auto insurance coverage options to suit the needs of different drivers. The following standard coverages are available:
The following non-standard coverages are also available.
SafeAuto specializes in low-cost insurance for high-risk drivers and people with SR-22s. In our research, we looked into SafeAuto’s payment options and plans. SafeAuto insurance policies are issued for six months, and customers can choose from three payment options for easy budgeting:
The final cost of your SafeAuto insurance policy depends on a wide range of factors, including your age, marital status, driving history, and credit score. We analyzed data from Quadrant Information Services to find that the average annual minimum coverage rate is $789 for a single 30-year-old male driver with a clean record and good credit.
SafeAuto Insurance also offers several ways to pay your bills. You can make a quick, one-time online payment using your debit card, credit card, or checking account without signing in or you can set up automatic payments on your account.
Like all other insurance providers, SafeAuto offers a few discounts to cut down on your premium costs. We have listed a few of them below for your reference. The availability of the discount, coverage, and rates will vary by state.
Discounts may also be available if you drive a safe, reliable vehicle, sign up for an extended policy, or have a good driving record.
SafeAuto has an A+ rating on the BBB. It shares a BBB page with its parent company National General. Its average rating on BBB from over 600 customer reviews is 1.1 out of 5.0 stars. Some reviews we read indicated dissatisfaction with the way SafeAuto claims were handled by the adjusters.
If you visit the BBB website, you will notice that a little over 1,800 customer complaints filed against SafeAuto/National General have been closed in the last three years. While the complaints range from billing issues to claims settlement, it’s good to see that SafeAuto has always responded to each complaint and provided an explanation and/or resolution.
Customers used to be able to use the SafeAuto online portal to manage their policies, pay bills, view insurance information, or request proof of insurance. However, since joining Direct Auto, customers now use the Direct Auto app.
The app has a decent score of 3.5 stars from reviewers on Google Play. Looking at the Apple App Store, the program scores 2.5 stars from customers. Many customers have complained about difficulty logging into and making payments through the app. However, there are also plenty of reviewers who praise it and report no issues. Overall, the user experience can be hit-or-miss.
We rated SafeAuto Insurance 4.0 out of 5.0 stars. Overall, we believe that drivers who fall into the high-risk category and are denied coverage elsewhere will find the SafeAuto insurance company a decent option for their auto policies. Insurance costs can vary drastically, depending on your credit, driving record, and location. In general, its prices are pretty competitive compared to other providers who offer high-risk insurance.
If SafeAuto isn’t available in your state or if you would like to explore more auto insurance companies, we have a few recommendations.
In our USAA auto insurance review, we found USAA to be the best option in terms of pricing, customer service, financial stability, and coverage for U.S. military members. USAA frequently scores high in industry surveys by J.D. Power. We also found it offers some of the lowest insurance rates on average compared to other providers.
Our research team named State Farm the best insurance company in our State Farm auto insurance review. State Farm offers many ways to save including a usage-based program called Drive Safe and Save™ that can award discounts of up to 30 percent based on your driving. State Farm also has a good student discount of up to 25 percent that’s the largest in the industry.
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We find SafeAuto Insurance company to be a great option for high-risk drivers due to its competitive rates. SafeAuto is financially strong, though it’s only available in 16 states.
SafeAuto is ultimately owned by Allstate. SafeAuto joined Direct Auto, which is a subsidiary of National General, which is a subsidiary of Allstate.
SafeAuto offers various coverage plans, but its full coverage plan includes liability, comprehensive, and collision coverage, as well as extra perks for roadside assistance and towing, rental car coverage, accidental coverage, and uninsured/underinsured motorists.
*Data accurate at time of publication.
