Updated: September 28, 2025
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Safe Auto Insurance ranks 28th for full coverage affordability and 30th for minimum liability coverage with average rates of $148 and $79 monthly, respectively.
Safe Auto Insurance ranks 21st nationwide for overall customer satisfaction, placing in the middle tier among major insurers based on agent service quality and customer reviews.
Safe Auto Insurance earns the 12th best spot for coverage options, offering unique features like accident forgiveness programs and roadside assistance packages for added peace of mind.
Safe Auto Insurance ranks 30th overall nationally, placing it outside the top tier of best car insurance companies. The provider performs strongest in coverage options and affordability compared to its customer experience scores.
This ranking reflects data for a 40-year-old male driver with good credit and no driving violations, so Safe Auto's position for your specific situation will vary based on your individual profile and coverage requirements.
| Overall Score | 3.89 | 30 |
| Customer Experience | 3.87 | 21 |
| Coverage | 2.50 | 12 |
| Affordability | 4.14 | 24 |
Safe Auto Insurance works best for drivers with DUIs, bad credit, low income, and those needing affordable coverage options. However, young drivers and senior drivers should look elsewhere due to higher rates.
Below, you can compare how Safe Auto Insurance stacks up for your unique profile.
| Overall Score | 4.01 | 26 |
Safe Auto Insurance auto insurance rates range from $63 to $703 monthly, depending on your profile and coverage choices. We've analyzed national costs by age group, gender, coverage level, credit score and driving record to help you find the best rates for your situation.
| $241 | $2,891 | -13% | 17 |
Safe Auto Insurance ranks as more expensive than most companies across all major driver categories, including young drivers, seniors and those with accidents or bad credit. You can review how affordable Safe Auto Insurance is for your specific driving category below.
| Adult Drivers | $65 | $124 | 11% | 24 |
| Drivers With A DUI | $95 | $177 | -15% | 10 |
| Drivers With An Accident | $95 | $177 | 13% | 24 |
| Drivers With A Speeding Ticket | $83 | $156 | 16% | 26 |
| Drivers With Bad Credit | $89 | $173 | -24% | 15 |
| Drivers With Low Income | $71 | $135 | -5% | 19 |
| Drivers With Newer Cars | $96 | $183 | 23% | 29 |
| Drivers With Old Cars | $62 | $118 | 20% | 27 |
| Senior Drivers | $101 | $163 | 26% | 29 |
| Young Drivers | $160 | $272 | 13% | 24 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, Adults 26 to 64, and seniors 65 and older. Older vehicles change the vehicle age to 2007, and newer vehicles change it to 2025.
Safe Auto Insurance offers eight car insurance discounts, with average savings of up to 25% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Safe Driver | 10% | Clean driving record for 36 months, no at-fault accidents or violations | Available nationwide |
Multi-Vehicle | 11% | More than one vehicle insured through Safe Auto | Available nationwide |
Good Student | 10% | Full-time student maintaining B average (3.0+ GPA) | Available nationwide |
Driver Education | 5% | Completion of approved driver improvement course | Available nationwide |
Military | Up to 25% | Qualifying members of the military | Available nationwide |
Paid-in-Full | 7% | Paying premium in full upfront | Available nationwide |
New Customer | Variable | Switching to Safe Auto from another insurer | Available nationwide |
Homeowner | Variable | Owning your home | Available nationwide |
Safe Auto Insurance ranked 21st in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews highlight that the company performs well in affordability and basic coverage options, but consistently shows weaker performance in claims handling and customer service interactions.
Many customers praise the straightforward policy purchasing process and competitive rates, while complaints frequently center on claim processing delays and limited customer support availability. Below, we break down the buying, policy management and claims process experiences based on our research.
Customers often mention surprise fees not explained at the start, such as charges for policy changes or cancellations. The online process itself is simple, but only covers basic options. Several also point to aggressive billing and confusing payment structures.
Safe Auto's website and mobile app provide basic functionality for payments and policy viewing, though the mobile app receives poor ratings (2.4/5 on Apple, 3.7/5 on Android). Customers frequently report login difficulties, payment processing issues, and the app losing payment information. Many describe customer service as "difficult and irritating" to reach, with long hold times and unresponsive representatives.
Most feedback on claims is negative. A few customers mention that adjusters were initially kind and asked about their well-being, but many more describe long delays, poor communication, disputes over fault, and adjusters who don’t respond.
Many customers describe needing state regulatory intervention to resolve claims, with some cases taking months to complete.
Safe Auto Insurance ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Safe Auto Insurance's scores from industry agencies.
AM Best Financial Strength | NR (Not Rated) | A++ to D- | No official AM Best financial strength rating available |
AM Best Long-Term Credit Standing | NR (Not Rated) | aaa to d | No official AM Best credit rating available |
S&P Global Financial Strength | NR (Not Rated) | AAA to D | No S&P Global rating available |
Moody's Financial Strength | NR (Not Rated) | Aaa to C | No Moody's rating available |
J.D. Power Auto Claims Satisfaction | NR (Not Rated) | 1,000-point scale | Not included in J.D. Power studies |
J.D. Power Digital Service Experience | NR (Not Rated) | 1,000-point scale | Not included in J.D. Power studies |
J.D. Power Auto Insurance Shopping Study | NR (Not Rated) | Out of 1,000 | Not included in J.D. Power studies |
J.D. Power Overall Customer Satisfaction | NR (Not Rated) | Out of 1,000 | Not included in J.D. Power studies |
NAIC Auto Complaints | 9.07 | 1.00 is average | Far more complaints than expected (nine times the industry average) |
Reddit users and forum members express deep frustration with Safe Auto Insurance's poor claims processing, unreachable customer service, and billing issues. While some drivers initially appreciate the low rates for high-risk coverage, the overwhelming consensus is to avoid this company due to severe service problems.
Common complaints include Safe Auto Insurance refusing to pay legitimate claims, adjusters who disappear after accidents, and customers being forced to involve state insurance departments to get responses. Many report the company fights every claim until regulatory pressure is applied.
Here's what real customers are saying about their experiences on forums:
General thoughts on pricing show Safe Auto targets high-risk drivers with seemingly affordable rates, but customers report the value disappears when service is needed:
"The cost of the policy was about $400 for 6 mos which I paid in full at the time of purchase. About 3 mos later I did get a much better vehicle and since I was only midway through a paid policy I had the sold vehicle removed, added the new vehicle and upgraded the coverage."
Most customers report nightmarish experiences with claims handling, with Safe Auto having a reputation for denying or delaying legitimate claims:
"This is not an overtly, exaggerated claim...literally the worse nightmarish experience of all insurance entities. I've had an open claim for 3 months for an attempted theft, which amounted to three windows with damage nothing major). I've given 3 recorded statements to three different adjusters, and had one visit by an appraiser only to receive a letter two days ago stating they need a (another) recorded statement, as they have no record of the prior 'THREE'."
"WORST customer service EVER experienced. Put a claim in three weeks ago-was told I do not get to choose where I take my car for an estimate, despite the Indiana law that states otherwise, then was asked to 'release' my vehicle to an undisclosed location....because that seems legit?"
Customer service experiences are consistently described as the worst in the industry, with unreachable representatives and unresponsive adjusters:
"I HATE SAFE AUTO!!!!!!!!!!!!!!!!!!! ZERO STARS is the rating I give this company! Okay, let's face it, this is about as low end as you can get for insurance."
"Despite numerous attempts by myself I have been unable to reach anybody through safe auto and nobody has called me back despite 10 or so attempts to leave messages and email them."
Safe Auto's digital platforms receive poor ratings and functionality complaints from users across multiple review sites:
"The mobile app receives mediocre ratings of 3.7/5 with Android users and 2.4/5 with Apple users. The most common complaints are difficulties logging in and the app losing payments, requiring policyholders to send bank statements to insurance agents."
"Android users gave it a 3.5 out of five, and Apple users gave it a 1.7 out of five. Users reported difficulty with basic functionalities like logging into the app and bill pay."
Safe Auto consistently ranks among the worst insurance companies for complaints and customer satisfaction across multiple rating systems:
“I wish I could give them NEGATIVE stars. A driver insured by safeauto hit our vehicle and the company is refusing to pay the claim. We were forced to file a complaint with the better business Bureau. This company should be shut down!”
While Safe Auto specializes in providing coverage for high-risk drivers who struggle to find insurance elsewhere, customers report that the coverage is essentially worthless when needed:
"This is the worst company I have ever dealt with. They even charge you a fee to cancel insurance. Their policies are not worth the paper they are written on. I will never do business with them again."
"If there was a no star rating that's what they would get! In my 43 years of driving I have had my worst experience with them! They refuse to pay a claim and put their customers in a real bind! I have full coverage and lost my car to theft and they will not pay!"
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Safe Auto provides standard coverage options like other major insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons such as:
Roadside Assistance | 24/7 towing, jump-starts, flat tire changes, lockout service, and fuel delivery | |
Rental Reimbursement | Reimburses rental car costs while your vehicle is being repaired from covered claim | |
Accidental Death Benefit | Provides death benefit if you die as a result of injuries from a covered auto accident | |
Custom Parts and Equipment | Covers aftermarket modifications and custom parts not covered by standard policy | |
You can bundle several insurance types with your auto policy or buy them separately:
Who Offers It? | Insurance Products |
|---|---|
Safe Auto Insurance (Directly Offered) | Auto insurance, commercial vehicle insurance, motorcycle insurance, renters insurance, life insurance, roadside assistance, emergency auto protection |
Third-Party Partner | Homeowners insurance (underwritten by Hippo Insurance), life insurance (underwritten by Bestow and North American Company for Life and Health Insurance), business insurance, health insurance, dental insurance |
Safe Auto Insurance ranks well in Affordability, Customer Experience and Coverage, earning 30th place for full coverage and 32nd for minimum coverage overall. However, we recommend you compare car insurance quotes, do your own research and decide on coverage needs before buying to get the best deal.
Here are MoneyGeek's expert answers to frequently asked questions about Safe Auto Insurance car insurance:
Yes, Safe Auto Insurance is a legitimate car insurance company that ranked 30th in our comprehensive car insurance provider study. The insurer particularly excels in coverage options, where it earned 12th place among all carriers we evaluated.
Safe Auto doesn't rank as a top option in any state, but it is in the top ten for car insurance in Mississippi.
Safe Auto Insurance charges adults an average of $928 annually for state minimum coverage and $1,722 for full coverage. Safe Auto's rates span $755 to $4,349 for minimum coverage and $1,422 to $7,398 for full coverage.
Customer feedback often criticizes Safe Auto for denying claims, with some policyholders saying even clear-cut accidents were rejected. Still, there isn’t enough broad data to confirm a consistent pattern beyond individual reports.
Note: This represents limited information based primarily on forum reviews.
Safe Auto Insurance offers solid value for drivers with DUIs, ranking 10th overall for affordability with competitive rates for this high-risk category.
Yes, Safe Auto Insurance raises rates over time due to inflation impacting repair and medical costs, plus increased claims from distracted driving and severe weather. Rate adjustments also reflect updated risk assessments, regulatory changes, and individual factors like credit score shifts.
Safe Auto Insurance isn't ideal for young drivers, with expensive premiums earning a 24th place affordability ranking.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
