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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Written by Chris Huntley
Founder of Huntley Wealth & Insurance Services Chris Huntley

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.

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:

CompaniesAverage 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:

Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise Controlxxxx
Adaptive Headlightsxxxxxxxx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxx
Anti-Theftxxxxxxxxxxxxxxxxxxxxxx
Claim Freexxxxxxxxxxxxxxxxxxxxxx
Continuous Coveragexxxxxxxxxxxxxxx
Daytime Running Lightsxxxxxxxxxxxxxxxxxx
Defensive Driverxxxxxxxxxxxxxxxxxxxxxx
Distant Studentxxxxxxxxxxxxxxx
Driver's Edxxxxxxxxxxxxxxxxxxxx
Driving Device/Appxxxxxxxxxxxxx
Early Signingxxxxxxxxxxxxxx
Electronic Stability Controlxxxxxxxxx
Emergency Deploymentx
Engaged Couplex
Family Legacyxxxxxx
Family Planxxxxx
Farm Vehiclexxxx
Fast 5x
Federal Employeexxxx
Forward Collision Warningxxxxxxx
Full Paymentxxxxxxxxxxxxxxxxx
Further Educationxxxxxxxxx
Garaging/Storingxxxxxx
Good Creditxxxx
Good Studentxxxxxxxxxxxxxxxxxxxxxx
Green Vehiclexxxxxxx
Homeownerxxxxxxxxxxxxxxxxxx
Lane Departure Warningxxxx
Life Insurancexx
Low Mileagexxxxxxxxxxxxxxxxxxx
Loyaltyxxxxxxxxxxxx
Marriedxxxxxxxxxxxxxx
Membership/Groupxxxxxxxxxxx
Militaryxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newer Vehiclexxxxxxxxxxxxxxxx
Newly Licensedx
Newlywedsx
Non-Smoker/Non-Drinkerx
Occasional Operatorx
Occupationxxxxxxxxxxxx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Renterxxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Volunteerx
Young Driverxxxxxx
Total Discounts Provided21212927182726343431383835362230192022382828
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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.