Safe Auto

The Car Insurance Guide

Overall Personalized Rating: 4.2/5 (Very Good)

Summary

Safe Auto began in 1993 with the strategy of targeting drivers with driving record blemishes who typically had difficulty obtaining coverage from larger auto insurance companies. The carrier has traditionally focused on providing lower levels of coverage, which reduces costs for drivers whose records might make insurance otherwise unaffordable.

Key Benefits

Great company for the uninsured or those with poor driving records
Focus on meeting state minimum insurance, keeping rates low
Safe Auto insures high-risk drivers and SR22 drivers, consumers that many other carriers shy away from

Ratings Summary

Ratings Highlights

Overall Rating

With competitive pricing for uninsured drivers, young drivers, and drivers with accidents, tickets or other issues on record, Safe Auto is a great choice for any driver who falls into one of these categories. While most other carriers will either overcharge or refuse to even quote these drivers, Safe Auto actually models their entire business on offering competent and affordable insurance options to these groups.

Pricing

Safe Auto is a leader when it comes to price, particularly among the nonstandard sector of auto insurance. As they cater to drivers with tickets/accidents on record and insufficient insurance histories, they offer these driver types low rates -- which would be unheard of for most insurance carriers.

Handling Claims

Claims handling hasn't historically been a strong suit for Safe Auto, but this has been improving as of late. If customer service is a major issue for you, you may want to look elsewhere, but if you're okay with average treatment, this is an option to consider.

Uninsured Drivers

Uninsured drivers, who typically pay inflated rates for policies with most insurance companies, can enjoy low prices and great coverage with this carrier.

Young Drivers

Young drivers should definitely look into Safe Auto, as they offer great rates to this driver type.

Bundling Auto with Other Insurance Types

Safe Auto does not currently offer any bundling options.

Drivers with Tickets/Accidents

drivers with a checkered driving record should absolutely look into Safe Auto, because their business model is specifically geared towards your needs. You'll likely get lower rates with this carrier than you would with most others.

Premium Driver

Drivers with clean records should look into other carriers, as Safe Auto is geared towards serving higher risk customers.

Company Background

Headquartered in Columbus, Ohio, Safe Auto was founded in 1993. Operating in 20 states, the carrier's business model is centered on providing low rates to drivers who are considered high risk -- drivers with accidents/tickets, drivers under 26, and uninsured drivers.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2025 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.