2022 Safe Car Insurance Review

Almost all states require vehicle owners to have auto insurance, but some drivers can often struggle to obtain the necessary coverage. A number of factors could be responsible for this, from a bad credit score to a spotty driving record. When you’re a high-risk driver looking for basic coverage, SafeAuto Insurance is one of the providers you can rely on. Founded in 1993 in Columbus, Ohio, SafeAuto specializes in inexpensive minimum liability coverage and auto insurance for drivers who have difficulty finding auto insurance elsewhere. The company currently offers affordable minimum auto insurance in just 19 states.

SafeAuto car insurance

The SafeAuto Insurance website lists the company’s coverage options and discounts. The basic legal minimum required by each state is limited to liability insurance to cover someone else’s (third party) damages and leaves you unprotected.

Cover

Safe Auto Insurance Company offers minimum auto insurance for high-risk drivers, such as people with a history of accidents, traffic tickets, or low credit. Here are the covers you can buy from SafeAuto:

  • Collision
  • Complete
  • Responsibility
  • SR-22 Insurance
  • Roadside Assistance
  • Rental car coverage
  • Uninsured/Underinsured Motorist
  • Injury Protection
  • Accidental Death Benefit

SafeAuto car insurance cost

The average cost of car insurance in the United States is $565 per year for minimum coverage and $1,674 per year for full coverage. Average discount rate pricing for all types of drivers, including those with a clean driving record and drivers with a history of impaired driving, accidents or travel violations. High-risk drivers generally pay more for their auto insurance. However, SafeAuto’s rates are close to the national average.

Average annual premium for minimum coverage Average annual premium for full coverage
$370 $1,271

Discounts

While their insurance coverages are among the most affordable, you can save more with the following discounts:

  • Safety devices
  • Lump sum payment
  • Multi-vehicle
  • New business transfer
  • Good student
  • Owner

SafeAuto home insurance

SafeAuto offers home insurance, but its policies are underwritten by Hippo Insurance. On its website, SafeAuto claims that Hippo sells home insurance policies for up to 25% less than competitors. So, if you are looking for an affordable rate, SafeAuto might be a good choice.

Cover

Hippo stands out with its “smart blanket”, designed for modern lifestyles. In reality, the covers are quite basic. Here’s what you get with a Hippo home insurance policy:

  • Lodging
  • Personal responsibility
  • Personal Property Coverage
  • Medical payments
  • Additional living expenses
  • Improved coverage for appliances
  • Water refill and service line coverage

Discounts

With Safe Auto car insurance, you can access all of Hippo’s discounts. Their policies are already affordable, but the company offers a variety of ways to save even more money. These discounts include:

  • smart home
  • Policy grouping
  • Early signing
  • New house
  • Without complaint
  • Without mortgage
  • Affinity group
  • HOA
  • Gated community
  • Fire extinguisher
  • Automatic payment

SafeAuto tenant insurance

SafeAuto’s renter insurance policies are underwritten by Millennial Specialty Insurance (MSI). The company specializes in renters insurance and the offers are very basic. MSI’s website says the company is “cloud-based,” meaning everything from billing to filing a claim can be done online or on a mobile device. MSI offers the following tenant coverage:

Cover

  • Personal property
  • Responsibility
  • Medical payments
  • Additional living expenses

Discounts

MSI does not advertise any discounts on its website. However, if you have an existing insurance policy with SafeAuto, you can get a discount if you add a renter’s insurance policy.

SafeAuto Life Insurance

If you are looking for affordable life insurance, you may consider purchasing a policy from SafeAuto. The company offers life insurance for as little as $5 a month through its underwriting partner, Bestow. To find out if you’re eligible for coverage, you can visit Bestow’s website, answer a few questions, and see your eligibility status in minutes.

Cover

Bestow only sells term life insurance, with the choice of a 10 or 20 year term. One of the benefits of Bestow is that you don’t need a medical exam to get approved coverage. When you apply, the company uses information about your prescriptions, credit history, and driving record to determine your age, health risks, and other factors that contribute to your eligibility.

Discounts

Bestow does not advertise any discounts on its website. However, you can probably get a discount on policy bundling if you’re already a SafeAuto customer.

Reasons to Consider SafeAuto

SafeAuto offers affordable insurance for drivers who might have trouble finding car insurance elsewhere. Specifically, this includes drivers who have a history of accidents, have been charged with a DUI, or have a low credit score. Here’s why you should choose SafeAuto:

  • A high chance of being insured regardless of credit and driving history
  • Competitive pricing for state-required minimum liability insurance
  • Flexible payment options: annual, semi-monthly or monthly payment plans available
  • Easy to use mobile app
  • Drivers can choose any mechanic for car repairs

If you’re looking for home, auto, or life insurance, SafeAuto is a good option for people who want minimal coverage at a low price. Although the company does not underwrite its policies (aside from auto), its vendor partners generally get good reviews and are financially stable.

Additional policies offered by SafeAuto

Although SafeAuto’s primary focus is basic liability auto insurance, it has expanded into other products. For the best savings on all your policies, take advantage of its multi-policy discount by adding any of the following to your auto insurance policy:

  • Commercial insurance including liability, commercial property, business owners policy and workers compensation.
  • Health insurance like dental, medical, accident and critical illness.
  • Mechanical repair service plans to cover vehicle repairs.
  • Motorcycle insurance
  • Forgiveness of accident

Frequently Asked Questions

What information is needed to get a quote from SafeAuto?

You can get a quote in as little as three minutes, depending on the company. You’ll need your car’s year, make, model, or vehicle identification number (VIN), driving history information like previous accidents or tickets, and where you park your vehicle.

Does SafeAuto insurance company insure in all states?

Currently, SafeAuto only insures residents of: Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee , Texas and Virginia.

How do I file a claim with SafeAuto?

If you are involved in an accident and need to report a claim to SafeAuto, follow these steps:

  • If necessary, contact local authorities to report the accident and obtain a copy of the report.
  • Take photos of the accident and the location.
  • Note the date and time of the accident.
  • Note the year, make and model of any other vehicles involved.
  • Write down the names, addresses and phone numbers of all drivers, passengers and witnesses.
  • Note any injuries.
  • Write down driver’s license and insurance information for other parties involved.
  • Write a summary of how the incident happened.
  • Call SafeAuto at 1-800-723-3288 and follow their instructions on how to submit the above.

How long does it take SafeAuto Insurance to pay a claim?

Depending on the severity or complexity of the accident, customer reviews indicate that claims take anywhere from a few days to a few weeks to be paid.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 in bodily injury per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

To determine minimum coverage limits, Bankrate has used minimum coverages that meet each state’s requirements. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles a year.

These are sampling rates and should only be used for comparison purposes.