Updated: October 31, 2025
Advertising & Editorial Disclosure
Safe Auto ranks 28th for full coverage affordability and 30th for minimum liability coverage with average rates of $148 and $79 monthly, respectively.
Safe Auto 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 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 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 works best for drivers with DUIs, bad credit, low income and those needing affordable coverage options. But young drivers and senior drivers should look elsewhere due to higher rates.
Below, you can compare how Safe Auto stacks up for your profile.
| Overall Score | 4.01 | 26 |
Safe Auto 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 is 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 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 those aged 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 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 ranks 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.
Customers say surprise fees, like charges for policy changes or cancellations, are not explained at the start. 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 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'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'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 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.
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 add-ons:
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 (Directly Offered) | Auto, commercial vehicle, motorcycle, renters, life, roadside assistance, emergency auto protection |
Third-Party Partner | Homeowners (underwritten by Hippo), life (underwritten by Bestow and North American Company for Life and Health Insurance), business, health, dental |
Safe Auto ranks well in affordability, customer experience and coverage, earning 30th place for full coverage and 32nd for minimum coverage. Compare car insurance quotes, do your research and determine your coverage needs before buying to get the best deal.
Yes, Safe Auto 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's in the top 10 for car insurance in Mississippi.
Safe Auto 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 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 offers solid value for drivers with DUIs, ranking 10th overall for affordability with competitive rates for this high-risk category.
Yes, Safe Auto 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 isn't ideal for young drivers, with expensive premiums earning a 24th place affordability ranking.
Evaluating Safe Auto means looking beyond advertised rates to understand whether this insurer delivers value when you actually need claims paid or customer service support, not just cheap premiums that disappear when accidents happen. We pulled rate data from Quadrant Information Services and compared quotes from 79 insurers in every U.S. ZIP code to reveal where Safe Auto ranks for different driver profiles, because a company that prices competitively for DUI drivers might gouge young drivers or seniors.
Cost drives 60% of our evaluation since affordable premiums only matter if the company actually pays claims without forcing you to involve state regulators. We compared Safe Auto's quotes across multiple driver profiles within each city, measuring how its pricing stacks up against local competitors rather than relying on national averages that don't reflect what you'll actually pay.
Customer satisfaction accounts for 30%, reflecting whether Safe Auto processes claims efficiently, maintains accessible customer service and handles policy management without frustrating delays. We analyzed feedback from Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit to capture real experiences from policyholders dealing with accidents and coverage questions—not just company marketing materials.
Coverage variety represents 10% because having roadside assistance and rental reimbursement options matters, but these features don't compensate for poor claims handling or unresponsive adjusters when you're stuck after an accident.
Our baseline used a 40-year-old male driving a 2012 Toyota Camry LE with 12,000 annual miles, a clean driving record, good credit and a valid license status. This profile captures standard pricing without complications that trigger higher premiums. We then modified age, driving record, credit score and military status to determine which driver categories get Safe Auto's best rates versus which profiles face inflated costs.
Our minimum coverage rates represent policies meeting state-required minimums, the bare legal protection that covers others but leaves your own vehicle unprotected. Full coverage includes 100/300/100 liability limits plus comprehensive and collision protection with $1,000 deductibles, providing financial protection for both your liability to others and damage to your own vehicle from accidents, theft or weather. This methodology reveals whether Safe Auto consistently delivers competitive rates across different risk profiles or just advertises low premiums for ideal drivers while charging significantly more once your actual age, credit or driving history factors in.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
