SafeAuto Insurance Review & Complaints: Car Insurance (2024)
High-risk drivers can buy affordable car insurance through SafeAuto Insurance although you must live in one of the 20 states where this company does business. The average cost for a policy through SafeAuto is $1872/year, but SafeAuto doesn't sell any other type of insurance beyond car insurance. You can obtain free car insurance quotes from SafeAuto Insurance and other insurance companies online to find the best policy for your coverage needs.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 27, 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 insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 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 insurance 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 only provides coverage in 20 states
- SafeAuto doesn’t offer many optional coverage types
- You can shop for cheap insurance online
More and more drivers are trying to keep themselves protected while saving as much money as possible. Thankfully, if you’re on a budget and need to buy car insurance, SafeAuto Insurance may be able to help you as it specializes in curating policies for high-risk drivers. That means that even if you have some speeding tickets on your driving record, you can obtain reasonable car insurance rates with SafeAuto Insurance.
While you should always compare car insurance quotes between at least three other companies, SafeAuto Insurance reviews like this one can help you learn more about this company and narrow down your potential choices.
Keep reading to discover how SafeAuto can save you money and protect your vehicle whenever you’re cruising down the road.
If you’re curious as to how well SafeAuto Insurance measures up to the competition, enter your ZIP code to start comparing free insurance quotes.
What type of coverage does SafeAuto offer drivers?
Most states require you to have an active car insurance policy in order to operate a vehicle on the road, but even if you live in a state that doesn’t have such a requirement, it’s still in your best interest to buy insurance. If you were to cause an accident and damage someone’s Rolls Royce, you could be sued for not only the full amount of the repairs but also for any medical bills that the other driver accrued as well after the accident.
With a car insurance company like SafeAuto Insurance, you can get the coverage you need to be street legal and protected the next time you take your car out for a drive. If you drive an older vehicle and simply want protection for yourself, you can purchase the bare minimum liability insurance from SafeAuto. Such policies are usually much less costly than full coverage policies, which are also available through this company.
When you request free car insurance quotes from SafeAuto Insurance, you’ll be able to access these standard coverage options:
- Collision
- Comprehensive
- Liability coverage
- Personal injury protection
- Accidental death benefit coverage
There is also SR-22 availability through SafeAuto which can be quite helpful if you were to ever be charged with, let’s say, a DUI and need to prove that you had insurance. SafeAuto also provides rental car coverage for an extra fee. If you choose to buy rental reimbursement coverage you’ll be able to receive reimbursement for the use of a rental car or even services like Uber or Lyft.
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Is SafeAuto Available Throughout the United States?
Although SafeAuto has been able to help a lot of high-risk drivers get insurance since 1993, many drivers may not be able to purchase a policy from this company. This is due to the fact that SafeAuto only does business in 20 states currently:
- Alabama
- Arizona
- California
- Colorado
- Georgia
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Maryland
- Mississippi
- Missouri
- Ohio
- Oklahoma
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
Not only is the availability of SafeAuto Insurance limited but so is the range of SafeAuto Insurance products. SafeAuto only provides coverage for cars. There is no SafeAuto motorcycle insurance or SafeAuto home insurance to speak of. Of course, if you don’t see your state on the list above, you can shop online to find insurance companies near you that can get you the coverage you need at the rates you want.
How much does a SafeAuto car insurance policy cost?
A policy from SafeAuto costs about $1,872 per year, but you must be aware that rates will always vary from one driver to another due to the underwriting process. This process is employed by every insurance company to ascertain how much of a risk you may pose to the company.
Rates are influenced by a number of things like your location, credit score, age, driving history, gender, coverage choices, and car type. So as you can imagine, even if you and a neighbor drive the same type of car, the insurance rates made available to the pair of you may end up being very different.
If you want to get a better idea of what you may pay for insurance, you can examine this data table to find the average rate of insurance in your home state:
Average Annual Liability Car Insurance Rates by State
| State | Average Annual Liability Car Insurance Rates |
|---|---|
| Alabama | $394.21 |
| Alaska | $539.68 |
| Arizona | $508.76 |
| Arkansas | $394.13 |
| California | $489.66 |
| Colorado | $520.04 |
| Connecticut | $650.94 |
| Delaware | $799.30 |
| District of Columbia | $628.82 |
| Florida | $857.64 |
| Georgia | $557.38 |
| Hawaii | $458.54 |
| Idaho | $344.29 |
| Illinois | $446.72 |
| Indiana | $382.68 |
| Iowa | $299.18 |
| Kansas | $358.24 |
| Kentucky | $529.21 |
| Louisiana | $775.83 |
| Maine | $338.87 |
| Maryland | $609.74 |
| Massachusetts | $606.04 |
| Michigan | $795.32 |
| Minnesota | $456.82 |
| Mississippi | $460.50 |
| Missouri | $415.88 |
| Montana | $386.29 |
| Nebraska | $364.64 |
| Nevada | $681.56 |
| New Hampshire | $400.56 |
| New Jersey | $869.57 |
| New Mexico | $488.03 |
| New York | $804.51 |
| North Carolina | $359.42 |
| North Dakota | $298.18 |
| Ohio | $397.11 |
| Oklahoma | $461.01 |
| Oregon | $584.13 |
| Pennsylvania | $499.06 |
| Rhode Island | $759.80 |
| South Carolina | $527.09 |
| South Dakota | $300.22 |
| Tennessee | $413.91 |
| Texas | $528.75 |
| Utah | $497.53 |
| Vermont | $343.12 |
| Virginia | $425.61 |
| Washington | $596.67 |
| West Virginia | $491.83 |
| Wisconsin | $374.37 |
| Wyoming | $321.04 |
You should also take note that you can take steps to obtain even more affordable car insurance through SafeAuto Insurance by making sure to add every eligible discount to your policy.
What discounts are available through SafeAuto?
Whenever you shop online, it would behoove you to take your time and review every piece of information on your SafeAuto Insurance quote carefully. That way, you can be sure that you aren’t missing out on any opportunities to save money. The next time you request free quotes from SafeAuto, you can see if you qualify for any of the following discounts:
- Multi-car
- Homeownership
- Switching to SafeAuto from another insurance company
- Defensive driving course
- Paid-in-full
- Good student
- 55 years old or older
If you already have a SafeAuto policy and aren’t pleased with your current rates, you can review your policy at any time when you access your account online. You’ll simply need your SafeAuto login information to get started. Once you have your policy pulled up, give it a quick once over to make sure that every driver and vehicle listed reflects your current household.
For instance, if you notice that your child is still listed as a driver but has long since moved out of the home, you should remove your child from your policy. You may be shocked at how such a simple adjustment can influence your rates.
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The Claims Procedure at SafeAuto
Ease of Filing a Claim
SafeAuto offers multiple convenient methods for filing a claim, ensuring flexibility for policyholders. You can file a claim online through their website, over the phone by contacting their dedicated claims hotline, or by using their mobile app. This variety of options allows you to choose the method that suits your preferences and needs.
Average Claim Processing Time
SafeAuto prides itself on efficient claim processing. On average, the company strives to process claims promptly, minimizing the waiting time for policyholders. While the exact processing time may vary depending on the complexity of the claim, customers can generally expect a swift and hassle-free experience when making a claim with SafeAuto.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is crucial in assessing the effectiveness of an insurance company’s claims process. SafeAuto values customer satisfaction and strives to provide fair and prompt claim resolutions.
Policyholders have reported positive experiences with SafeAuto’s claims department, including timely payouts and satisfactory resolutions. This customer feedback reflects the company’s commitment to providing reliable claims services.
Modernized Technological and Digital Aspects of SafeAuto
Mobile App Features and Functionality
SafeAuto’s mobile app offers a range of features and functionality designed to enhance the policyholder experience. Users can conveniently manage their policies, access important documents, and even file claims directly through the app. The user-friendly interface and intuitive design make it easy for customers to navigate and utilize these digital features.
Online Account Management Capabilities
SafeAuto’s online account management capabilities empower policyholders to take control of their insurance policies. Through their website, customers can access and update their policy information, make payments, and review important documents. The online portal simplifies the management of insurance policies, providing a seamless and convenient experience.
Digital Tools and Resources
In addition to their mobile app and online account management, SafeAuto offers various digital tools and resources to assist policyholders. These tools may include educational resources, FAQs, and access to customer support.
SafeAuto is committed to leveraging technology to provide policyholders with the information and assistance they need to make informed decisions about their insurance coverage.
SafeAuto: What You Need to Know
SafeAuto has been in business for over 15 years and specializes in helping high-risk drivers get the coverage they need to legally get back out on the road. Prices may be low at SafeAuto but so is the company’s range of available insurance products and coverage. You should also be aware that while you can buy SafeAuto Insurance in PA or TX, you won’t be able to purchase a policy from this company if you live in states like Hawaii or Alaska to name a few.
If SafeAuto isn’t available where you live, you have options. You can shop online to find an insurance company that can work inline with your budget and your coverage needs.
Enter your ZIP code to get free quotes and discover if SafeAuto is the best company for you.
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Frequently Asked Questions
What is SafeAuto Insurance?
SafeAuto Insurance is an insurance company that specializes in providing auto insurance coverage. They offer various types of car insurance policies designed to meet the needs of different drivers.
How can I contact SafeAuto Insurance?
To contact SafeAuto Insurance, you can visit their official website and find the “Contact Us” section. There, you will find their customer service phone number and email address, which you can use to get in touch with them.
What types of car insurance policies does SafeAuto Insurance offer?
SafeAuto Insurance offers a range of car insurance policies, including liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage. They also provide SR-22 insurance for drivers who need to fulfill state requirements.
How can I get a quote from SafeAuto Insurance?
You can obtain a quote from SafeAuto Insurance by visiting their website or calling their customer service. They will ask for relevant information such as your personal details, vehicle information, driving history, and coverage preferences to provide you with a customized quote.
What factors determine the cost of SafeAuto Insurance premiums?
The cost of SafeAuto Insurance premiums is influenced by several factors, including your age, driving record, location, type of vehicle, coverage options, and deductible amount. These variables are used to assess the risk associated with insuring you and to calculate the premium.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.