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Safe Auto auto insurance review for 2021

Fact-checked with HomeInsurance.com

This 2021 review of Ohio-based SafeAuto insurance provides average rates for full and minimum coverage auto insurance. In addition, we compare average rates for SafeAuto with other factors such as having an accident or speeding ticket on your record, or having poor credit. We have also included average full and minimum coverage rates for SafeAuto compared to other top carriers.

Many factors influence how much you pay for your auto insurance, from your location to your credit score. To get the most personalized SafeAuto quote, contact the provider directly.

SafeAuto quickpoints

  • Average full coverage premium: $2,488
  • Region offered: Available in 20 states
  • J.D. Power rating or NAIC complaint index: NAIC complaint index of 2.66
  • Specialty coverages: High-risk, teen drivers, SR-22 coverage, motorcycle

SafeAuto offers auto insurance in 20 states including Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas and Virginia.

How factors affect SafeAuto’s auto insurance rates

Insurance rates are based on a variety of factors specific to each driver, such as where you live, what type of car you drive and your age. In addition to personal factors, SafeAuto rates vary based on your driving history, such as an accident or speeding ticket and your credit score. For instance, the average rate for full coverage is $2,488, but a driver with poor credit could pay closer to $2,907 for coverage.

Rates by factor

Average ratesAccidentSpeeding ticketPoor credit
$2,488$3,212$2,859$2,907

Quadrant information services, 2020

How driving record affects SafeAuto car insurance rates 

Accidents

On average, full coverage rates increase around 34% and minimum coverage rates increase 44% if you have had a single accident on your record. SafeAuto is no exception with increased rates after an accident. Where full coverage averages $2,488 per year, if you have an accident the rate increases to $3,212 — about a 30% increase overall.

Speeding ticket

You can expect premiums with SafeAuto to increase if you have a speeding ticket too. The average premium increases from $2,488 per year to $2,859, about a 14% increase.  

Poor credit

SafeAuto does use your credit score as one of several factors to determine your premiums. If your credit is considered poor, you will likely see higher rates. SafeAuto premiums increase about 17% when poor credit score is a determining factor. 

SafeAuto auto insurance discounts

Fortunately, SafeAuto insurance offers discounts to help you lower your rates. Although the number of discounts aren’t as numerous compared to other insurance carriers, it’s worth reviewing which ones you can take advantage of. Discounts are available if you own a home, take an additional driver safety course, maintain a safe driving record or transfer your policy from another carrier. In particular, the following is a fairly unique discount offered by SafeAuto.

Unique discounts offered by SafeAuto

New business transfer

The new business transfer discount is given to those who switch their auto insurance from another carrier to SafeAuto. If you show proof of an existing policy with another carrier, you’re eligible for an additional discount.

SafeAuto auto insurance premium length

You can purchase your premiums in six or 12-month lengths. SafeAuto offers three different payment plan options: 

  • Paid in full: You would be eligible for an additional discount if you pay premiums at once
  • Bi-Monthly payment plan: Pay 33% down, with the remaining two payments due every other month 
  • Monthly payments: Pay a down payment and five monthly payments 

SafeAuto vs. other insurance companies 

You can compare average full and minimum coverage rates for SafeAuto to those offered by other popular carriers (by market share) in the table below. While the information below offers an approximate comparison of rates by carrier, your actual quote will vary by provider.

In addition to rates, other considerations that can help you find the best auto insurance provider include customer service, financial stability — which can indicate the carrier’s ability to pay out on a claim — and discounts or other perks offered by providers.

CompanyAverage full coverage rateAverage minimum coverage rate
SafeAuto$2,488$850
State Farm$1,681$681
GEICO$1,260$416
Progressive$1,910$769
Allstate$1,896$705
USAA$1,484$539
Farmers$1,540$587
Nationwide$1,533$566
American Family$1,218$542
Travelers$1,769$752
AAA$1,948$672

SafeAuto average rates by state

To help understand the difference in rates for SafeAuto by states in which the provider is available, review the averages listed in the table below. As location is a major factor in rates, even including specific ZIP codes, your rates will likely vary from the average rate in your state.

StateAverage full coverage rateAverage minimum rate
Indiana$2,469$549
Kentucky$3,053$1,421

SafeAuto mobile app and digital experience

Choosing a policy with SafeAuto means you have access to the mobile app for policy management. From the app you can pay your bill, get a quote, report a claim and get a copy of your insurance card. The SafeAuto reviews for the app are limited, but do indicate there is quite a bit of room for improvement with the app. You can also go online for a quote (both in English and Spanish) to manage your policy, or call the 24/7 customer service. 

Alternative insurance products offered by SafeAuto

SafeAuto partners with additional companies for other insurance policies. You can purchase a homeowners or renters insurance policy, as well as additional health coverage. Not all products are available in every state, so check with the agent regarding availability.

ProductDiscounts
Auto insuranceHomeowner, new business transfer, driver safety course, good driver, pay in full
Homeowners insurance New home, early signing, smart home, no-claims, affinity group

In the spotlight

SafeAuto’s motto is to get you the minimum state required insurance in order to drive legally. But this comes at a higher price for drivers. 

SafeAuto insurance tends to be more expensive than other carriers. The number of discounts available aren’t as numerous as other companies either. Where SafeAuto may be worth considering is under the following conditions:

  • You have poor credit
  • You only need the minimum state required insurance
  • You need the SR-22 document
  • You live in one of the 20 states SafeAuto services

Methodology 

Coverage utilized Quadrant Information Services to analyze quoted rates from thousands of ZIP codes across all 50 states and Washington, D.C. (reflecting the top 15 insurance carriers by premiums written by state). Quoted rates were based on the profile of a 30-year-old male with a clean driving record, good credit and the following full coverage details:

  • $100k bodily injury liability per person
  • $300k bodily injury liability coverage per crash
  • $100k property damage liability coverage per crash
  • $500 collision coverage deductible
  • $500 comprehensive coverage deductible

Minimum coverages were applied to match state requirements. The driver used a new, financed 2018 Toyota Camry, commuted five days a week and drove 12,000 miles per year.

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