SafeAuto Auto Insurance Review: Benefits, Costs & Company Profile

I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by



Rachael Brennan


Licensed Insurance Agent

Rachael Brennan

UPDATED: Mar 18, 2022

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Here’s the Scoop

  • SafeAuto is a subsidiary of Allstate
  • SafeAuto’s website is user-friendly
  • You can use discounts to lower your SafeAuto rates

Your car insurance can keep you protected whenever you’re out on the road, but sometimes drivers on a budget can have a difficult time securing coverage that meets their insurance and financial needs. Thankfully, SafeAuto can help drivers on a budget get the coverage they need at cheap rates. Keep reading this SafeAuto review to learn more about this company and the coverages it can offer you.

Table of Contents

Is the SafeAuto insurance company reliable?

Founded in 1993, SafeAuto, now an Allstate auto insurance company subsidiary, provides affordable car insurance coverage to high-risk drivers. SafeAuto has an unencumbered website that boasts an easy-to-use interface and a clean design. Spanish services are also offered on the website for drivers who don’t speak English as their first language.

There is an online portal that allows drivers to make policy payments so you can easily keep your policy in good standing. If you ever need to file a claim with SafeAuto, doing so is simple. You can file a claim directly through the website.

If you have any questions about SafeAuto car insurance, you can call 1-800-723-3288 for more information.

Enter your ZIP code below to view companies that have cheap insurance rates.

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Does SafeAuto offer good coverage?

While the coverage SafeAuto offers is basic, this company can provide drivers with minimum state-required coverage as well as full coverage. SR-22 insurance is even available through SafeAuto. However, if you’re looking to buy insurance for a commercial vehicle, you’ll need to shop elsewhere as SafeAuto only sells personal lines of coverage.

Does SafeAuto offer affordable rates?

SafeAuto advertises that drivers can pay as little as 70¢ a day for car insurance. You can use the data table below to see how SafeAuto’s rates compare to the average cost of similar policies:

Companies Average Annual Rate
Amica $1,183
Geico $1,198
American Family $1,233
NJM $1,301
Safeco $1,317
Nationwide $1,349
Auto-Owners $1,357
State Farm $1,511
Travelers $1,528
AAA $1,610
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Now, when shopping for quotes online, you may be offered a different rate because car insurance rates are influenced by various factors. Some of these factors include your address, the type of car you drive, and your credit score.

Does SafeAuto offer discounts?

Drivers looking to save money on their insurance will be happy to learn that SafeAuto does offer quite a few discounts. Below, you can examine how SafeAuto’s discount options measure up to those of other major insurance companies:

Discounts 21st Century AAA Allstate American Family Ameriprise Amica Country Financial Esurance Farmers Geico Liberty Mutual MetLife Nationwide Progressive Safe Auto Safeco State Farm The General The Hanover The Hartford Travelers USAA
Adaptive Cruise Control x x x x
Adaptive Headlights x x x x x x x x
Anti-lock Brakes x x x x x x x x x x x x x x x x x x x x x x
Anti-Theft x x x x x x x x x x x x x x x x x x x x x x
Claim Free x x x x x x x x x x x x x x x x x x x x x x
Continuous Coverage x x x x x x x x x x x x x x x
Daytime Running Lights x x x x x x x x x x x x x x x x x x
Defensive Driver x x x x x x x x x x x x x x x x x x x x x x
Distant Student x x x x x x x x x x x x x x x
Driver’s Ed x x x x x x x x x x x x x x x x x x x x
Driving Device/App x x x x x x x x x x x x x
Early Signing x x x x x x x x x x x x x x
Electronic Stability Control x x x x x x x x x
Emergency Deployment x
Engaged Couple x
Family Legacy x x x x x x
Family Plan x x x x x
Farm Vehicle x x x x
Fast 5 x
Federal Employee x x x x
Forward Collision Warning x x x x x x x
Full Payment x x x x x x x x x x x x x x x x x
Further Education x x x x x x x x x
Garaging/Storing x x x x x x
Good Credit x x x x
Good Student x x x x x x x x x x x x x x x x x x x x x x
Green Vehicle x x x x x x x
Homeowner x x x x x x x x x x x x x x x x x x
Lane Departure Warning x x x x
Life Insurance x x
Low Mileage x x x x x x x x x x x x x x x x x x x
Loyalty x x x x x x x x x x x x
Married x x x x x x x x x x x x x x
Membership/Group x x x x x x x x x x x
Military x x x x x x x x x x
Military Garaging x
Multiple Drivers x x
Multiple Policies x x x x x x x x x x x x x x x x x x x x x
Multiple Vehicles x x x x x x x x x x x x x x x x x x x x x
New Address x
New Customer/New Plan x x x
New Graduate x
Newer Vehicle x x x x x x x x x x x x x x x x
Newly Licensed x
Newlyweds x
Non-Smoker/Non-Drinker x
Occasional Operator x
Occupation x x x x x x x x x x x x
On Time Payments x x x x
Online Shopper x x
Paperless Documents x x x x x x x x
Paperless/Auto Billing x x x x x x x x x x x x x x x x x
Passive Restraint x x x x x x x x x x x x x x x x x x x x x x
Recent Retirees x x
Renter x x x
Roadside Assistance x x
Safe Driver x x x x x x x x x x x x x x x x x x x
Seat Belt Use x
Senior Driver x x x x x x x x x
Stable Residence x x x x
Students & Alumni x x x x x x
Switching Provider x x x x x x x x x x x
Utility Vehicle x x x x
Vehicle Recovery x x x x x x x x x x x x x x x x x x x x x
VIN Etching x x x x x x x x x x
Volunteer x
Young Driver x x x x x x
Total Discounts Provided 21 21 29 27 18 27 26 34 34 31 38 38 35 36 22 30 19 20 22 38 28 28
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Another way you can save money on your rates is by requesting free quotes from multiple insurance companies to be sure that you are getting the best deal possible.

Enter your ZIP code below to view companies that have cheap insurance rates.

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SafeAuto Auto Insurance: The Bottom Line

For over 20 years, SafeAuto has been providing low-cost and even SR-22 insurance for high-risk drivers. Its website is user-friendly, so drivers of any generation can take advantage of its online tools. You could also save quite a bit of money when utilizing SafeAuto’s discount opportunities.

Now, if you’re looking for more extensive forms of coverage or for commercial auto insurance, you may need to shop around online. Shopping online allows you to efficiently discover insurance companies that meet your needs and your budget.