Safe Auto Insurance Review for 2026
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Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Tim Bain
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Schimri Yoyo
Updated June 2025
Safe Auto Car Insurance: Are they Available in a State Near You?
[xrr rating=3/5 imageset=tiny_star label=”AutoinsuranceEZ.com Rating:”] Safe Auto is a much younger company than most drivers realize. They’ve only been around since 1993, but in that short time, they’ve grown fast. Offering state minimum mandatory insurance coverage got them their start, but the company has grown to offer optional coverage and higher coverage limits for all drivers in the states where they do business. They even offer health insurance through Augeo Benefits.
Safe Auto Insurance Review
Safe Auto’s ratings seem to be a bit mixed. As of this writing, they do not have an official rating with AM Best, a leading credit rating agency. This means that it’s hard for a driver like you to know for sure whether you can depend on Safe Auto when it comes time for them to pay out on a claim. And while their complaint average seems high, they have earned an A+ with the BBB. However, of the small number of customer reviews on the BBB website, all of them are negative.
| Ratings Agency | Rating |
| Better Business Bureau (2016) | A+ |
| NAIC | 3.36 (1 being the market average) |
| AM Best (2016) | No Rating |
Safe Auto Insurance Discounts
Safe Auto operates in many different states, so the discounts you may qualify for might differ from what you see here when you contact a Safe Auto agent for a quote. But regardless of what state you live in, you should ask about the following discounts:
| Discount Type | Discount % |
| Airbag | 5% |
| Anti-Lock Brake | 5% |
| Anti-Theft | 5-15% |
| Claims-Free Renewal | 5% |
| Good Student | 10 or 15% |
| Daytime Running Lights | 10% |
| Homeowners | 5% |
| Multi-Car | 15% |
| Non-Owner | 15% |
| Paid-in-Full | 10% |
Unlike many other insurance providers, though, Safe Auto has some fees that you may be charged if you purchase an auto policy from them:
| Fee Type | Amount |
| Installment (incl. renewal bill) | $10 |
| Insured Request Cancellation | $25 |
| NSF | $20 |
| Overnight Payment – next morning | $25 |
| Overnight Payment – next day | $15 |
| Reinstatement | $10 |
| SR-22 Filing and Refiling | $10 – 40* |
| Stop Pay | $26 |
* filing will vary by state.
Safe Auto Auto Insurance Options
For many years, Safe Auto has specialized in the following forms of insurance coverage:
- SR-22 Insurance
- State mandatory minimum coverage
- Liability Coverage (bodily injury and property damage)
In their recent history, though, They have expanded into more comprehensive forms of coverage, such as:
- Medical Expense
- Personal Injury Protection/First Party Benefits
- Accidental Death Benefit
- Uninsured/Underinsured Motorist (bodily injury and property damage)
- Collison and Comprehensive
- Towing & Labor
- Roadside Assistance
- Rental Reimbursement
Comparing Safe Auto Insurance Quotes
Even though Safe Auto got its beginnings from offering affordable insurance to drivers who usually fall into a higher risk pool, their current business practices seem to show that their lower rates tend to go towards lower-risk motorists:
Based on the estimated quotes above, the riskiest demographic out of the three (a young male driver) might expect to pay some of the highest rates Safe Auto has to offer. But if you fall into a lower-risk pool, such as that represented by the married homeowners, you can expect to pay a fraction of those rates.
Pros and Cons of Safe Auto Insurance
| Pro | Con |
| 20+ years of specialization in offering minimum mandatory coverage and SR-22 insurance | Tend to be more expensive compared to other non-standard insurance providers |
| convenient policy management options | Not available in all states |
| Mixed reviews for both claims handling and financial strength |
Safe Auto has some good things going for it, but then again there are also some red flags. Their rates seem to be expensive when you look into their non-standard coverage options. Also, Safe Auto is only available in 17 states. And their current non-existent financial strength ratings might worry some drivers. But if you’ve been refused coverage by standard coverage insurance providers, or if you’re feeling encouraged by their policy management options, then perhaps a Safe Auto quote might be worth comparing to offers from other local insurance providers.
Corporate Headquarters4 Easton Oval
Columbus, OH 43219
www.safeauto.com
Phone: 614-231-0200
Fax: 614-559-5357
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