Finding Safe Auto Insurance: Where To Purchase Peace Of Mind

SafeAuto Insurance is a property and casualty insurance carrier based in Columbus, Ohio. The company provides car insurance in 20 states and is dedicated to providing outstanding customer service that is available 24/7. SafeAuto offers flexible payment options and has a variety of discounts and payment options for customers. However, it has received complaints regarding its claims service and mobile app experience. SafeAuto specializes in working with high-risk drivers who require SR-22 coverage and might struggle to find coverage elsewhere.

SafeAuto's customer service reputation

SafeAuto Insurance Group is a Columbus, Ohio-based insurance group founded in 1993. It offers policies in 28 states, including California, Pennsylvania, Texas, Florida, and New York, although it only offers auto insurance in 20 of those states.

Reviews for SafeAuto are mixed. On Trustpilot, the company has an average rating of 4.364 out of 5 stars. Positive reviews praise the company for its quick and easy insurance process, its friendly and professional staff, and its convenient app. However, negative reviews on Trustpilot and WalletHub criticise SafeAuto for its poor customer service, unexpected payment dates and amounts, and failure to pay out on claims. SafeAuto's NAIC rating is 7.61, indicating that it has more than nine times as many customer complaints as the average competitor, adjusted for size.

SafeAuto's customer service team can be contacted via phone, email, or postal mail. The company also offers a mobile app that allows customers to view coverages, ID cards, documents, and policy details, as well as make payments, receive push notifications for billing reminders, and file claims.

SafeAuto's insurance coverage options

SafeAuto Insurance is geared towards drivers who are considered high-risk and may struggle to get coverage elsewhere. This includes drivers with multiple moving violations, poor credit, or a DUI on their record. SafeAuto offers the minimum required car insurance to meet state requirements.

In addition to the minimum liability insurance, SafeAuto offers full coverage, which includes collision and comprehensive insurance. SafeAuto also offers other standard coverage options, such as rental reimbursement, roadside assistance, and towing.

• Bodily injury liability coverage
• Personal injury protection
• Uninsured/underinsured motorist bodily injury coverage
• Uninsured/underinsured property damage coverage
• Accidental death benefit
• Rental reimbursement

SafeAuto also offers SR-22 availability, which is a form that some states require to prove you have insurance after a DUI or another serious violation.

While SafeAuto specializes in minimum liability insurance, you can also add on comprehensive and collision coverage, which will pay to repair or replace your car if it is stolen or damaged. This extra coverage is optional but may be required by your lender if you have a car loan or lease.

SafeAuto also has insurance partners that offer other types of insurance, such as motorcycle insurance, that can be bundled with your SafeAuto policy for a discount.

SafeAuto's mobile app experience

SafeAuto has a mobile app available for both Android and iPhone users. The app gives policyholders access to their insurance information anywhere and at any time. It allows users to view billing information, make payments, pull up a digital ID card, and call SafeAuto with the touch of a button. The app also features a Due Date Countdown for bill payments, quick navigation, and 24/7 customer support via chat.

SafeAuto's mobile app has received largely negative reviews from customers. Android users gave the app 3.5 out of 5 stars, while Apple users rated it 1.7 out of 5. Users reported issues with basic functionalities, such as logging into the app and bill payments. Despite this, the app provides a convenient way for SafeAuto customers to manage their policies and connect with the company.

SafeAuto specializes in providing insurance for high-risk drivers who may struggle to find coverage elsewhere due to multiple accidents or DUIs. The company offers competitive rates, although its customer service and coverage options are limited. SafeAuto is only available in 20 states, and customers have complained about delays and denials of claims.

SafeAuto's mobile app enhances the accessibility and convenience of managing insurance policies for its customers. However, the company's overall service, including the app, has received mixed reviews. While the app provides useful features, some users have experienced technical difficulties. SafeAuto's insurance coverage is a good option for high-risk drivers, but the company's poor customer service reputation and limited add-on coverages might be a drawback for some.

SafeAuto's insurance rates

SafeAuto Insurance is an independent carrier that provides car insurance across 17 states. It is based in Columbus, Ohio, and was founded in 1993. SafeAuto offers affordable, state-minimum auto insurance and full comprehensive and collision policies.

SafeAuto provides a Certificate of Financial Responsibility (CFR) in the form of an SR22, SR22A or FR44 for customers who need to demonstrate financial responsibility to a court or state government agency. The company also offers a range of other insurance products, including motorcycle, renters, homeowners, business, health, supplemental, dental, accident, life, and mechanical repair insurance.

SafeAuto specializes in providing insurance for high-risk drivers, including those with multiple at-fault accidents or reckless driving violations on their records. The company also offers non-owner policies and SR-22 insurance.

According to a 2024 review by Forbes Advisor, SafeAuto's rates are generally much higher than the national average. The review found that SafeAuto's average rates for good drivers are $2,889 per year, compared to a national average of $2,026. For drivers with a speeding ticket, SafeAuto's rates are over $1,000 more than the national average of $2,533 per year. SafeAuto's rates for drivers who caused an accident with injury are $4,101, compared to a national average of $3,009.

SafeAuto's rates for drivers with a DUI conviction are about $700 above the national average, and adding a teen driver to a policy will cost, on average, $3,148 per year, which is nearly $790 more than the national average. SafeAuto's rates for young drivers between the ages of 18 and 25 are over $2,000 above the national average, and its rates for senior drivers aged 65 to 80 are about $1,170 higher than the national average.

SafeAuto offers various discounts that can help make its insurance policies more affordable, including:

• Continuous prior insurance discount
• Good student discount
• Homeowner discount
• Multi-policy discount
• Multi-vehicle discount
• New business transfer discount
• Over 55 discount
• Paid-in-full discount

SafeAuto's insurance discounts

SafeAutos is dedicated to providing its customers with the best coverage at a great price. We offer a range of insurance discounts to help you save money on your auto insurance. Here are some of the fantastic discounts we offer:

Multi-Policy Discounts

We reward our customers for their loyalty. If you bundle your auto insurance with other SafeAutos coverage options, such as homeowners insurance, you can take advantage of significant savings and convenience. Our customers are our priority, and we strive to find ways to save you money as your insurance needs evolve.

Drive with SafeAutos App

SafeAutos is committed to improving driver safety and offering discounts to customers who make an effort to drive safely. Our Drive with SafeAutos app allows you to monitor your driving habits and provides resources to discuss safe driving behaviours with your family. By using the app, you may qualify for a 5% Telematics discount on your auto insurance.

EBill Program

SafeAutos values sustainability and offers an eBill Program where you can go paperless and receive email notifications when your bill is available. This not only helps the environment but also ensures you receive your bills promptly and securely.

VIP Claims Center

We understand that accidents can be stressful, so we've established the VIP Claims Center to provide efficient and dedicated support to our customers when they need it most. Our North Shore VIP Drive-In Center is designed to make the claims process as smooth and convenient as possible.

Independent Insurance Agency System

SafeAutos believes in the power of relationships and the importance of personalized advice. That's why we work with a network of independent agents who offer ease, choice, and guidance. Our agents are here to help you find the perfect coverage options and pricing that suits your unique needs.

At SafeAutos, we are committed to offering competitive rates, providing excellent customer service, and rewarding our customers for their safe driving habits and loyalty. Our range of insurance discounts ensures that you receive the best value for your money.

Frequently asked questions