Nearly all states require vehicle owners to have car insurance but some drivers may often find it hard to get necessary coverage. A number of factors could be responsible for this– from a poor credit score to a spotty driving record. When you are a high-risk driver looking for basic coverage, SafeAuto Insurance is one of the providers you can depend on. Founded in 1993 in Columbus, Ohio, SafeAuto specializes in cheap minimum liability coverage and vehicle insurance for drivers who have trouble finding car insurance elsewhere. The company currently offers affordable minimum car insurance in only 19 states.
SafeAuto car insurance
The SafeAuto Insurance website lists the company’s coverage options and discounts. The basic legal minimum required by each state is limited to liability insurance to cover someone else’s damages (third parties) and leaves you unprotected.
The Safe Auto Insurance company offers state-minimum car insurance for higher-risk drivers, like people with a history of accidents, tickets or poor credit. Here are the coverages you can purchase from SafeAuto:
- SR-22 insurance
- Roadside assistance
- Rental car coverage
- Uninsured/underinsured motorist
- Personal injury protection
- Accidental death benefit
Cost of SafeAuto car insurance
The average cost of car insurance in the U.S. is $565 per year for minimum coverage and $1,674 per year for full coverage. Bankrate averaged pricing for all types of drivers, including those with clean driving records and drivers with past DUIs, accidents or moving violations. Higher-risk drivers typically pay more for car insurance. However, SafeAuto’s rates are close in price to the national average.
|Average annual premium for minimum coverage||Average annual premium for full coverage|
Although their insurance coverages are one of the most affordable, you can save further with the following discounts:
- Safety Features
- Lump-Sum Payment
- New Business Transfer
- Good Student
- Home Owner
SafeAuto home insurance
SafeAuto offers home insurance, but its policies are underwritten by Hippo Insurance. On its website, SafeAuto claims that Hippo sells home insurance policies for up to 25% less than its competitors. So if you are looking for an affordable rate, SafeAuto could be a good choice.
Hippo stands out for its “smart coverage,” which is designed for modern lifestyles. In reality, the coverages are pretty basic. Here is what you get with a Hippo home insurance policy:
- Personal liability
- Personal property coverage
- Medical payments
- Additional living expenses
- Enhanced coverage for appliances
- Water backup and service line coverage
Through Safe Auto car insurance, you can access all of Hippo’s discounts. Their policies are already affordable, but the company offers a variety of ways to save even more money. These discounts include:
- Smart home
- Policy bundling
- Early signing
- New home
- Affinity group
- Gated community
- Fire extinguisher
SafeAuto renters insurance
SafeAuto’s renters insurance policies are fulfilled by Millennial Specialty Insurance (MSI). The company specializes in renters insurance, and the offerings are very basic. MSI’s website states that the company is “cloud-based,” which means everything from billing to filing a claim can be done online or on a mobile device. MSI offers the following renters coverages:
- Personal property
- Medical payments
- Additional living expenses
MSI does not advertise any discounts on its website. However, if you have an existing insurance policy with SafeAuto, you can get a discount if you add a renters insurance policy.
SafeAuto life insurance
If you are looking for affordable life insurance, you may consider getting a policy from SafeAuto. The company offers life insurance for as low as $5 per month through its underwriting partner, Bestow. To find out if you qualify for coverage, you can visit Bestow’s website, answer a few questions, and see your status eligibility within minutes.
Bestow only sells term life insurance, with the choice of a 10 or 20 year term. One of the perks of Bestow is that you do not need a medical exam in order to get approved for coverage. When you apply, the company uses information about your prescriptions, credit history and driving record to determine your age, health risks, and other factors that contribute to your eligibility.
Bestow does not advertise any discounts on its website. However, you can probably qualify for a policy bundling discount if you are an existing SafeAuto customer.
Reasons to consider SafeAuto
SafeAuto offers affordable insurance to drivers that may have trouble finding auto insurance elsewhere. Specifically, this includes drivers who have a history of accidents, have been charged with a DUI, or have a low credit score. Here is why you should choose SafeAuto:
- A high chance of being insured regardless of credit and driving history
- Competitive prices for state-required minimum liability insurance
- Flexible payment options: annual, bi-monthly or monthly payment plans available
- Easy-to-use mobile app
- Drivers can choose any mechanic for auto repairs
If you are looking for home, auto or life insurance, SafeAuto is a good option for people who want bare-bones coverage at a low price. Although the company does not underwrite its policies (besides auto), its partner providers generally get good reviews and are financially stable.
Additional policies offered by SafeAuto
Although SafeAuto’s main focus is on basic liability auto insurance, it has expanded into other products. To get the best savings on all your policies, take advantage of its multi-policy discount by adding any of the following along with your auto insurance policy:
- Business Insurance including liability, commercial property, business owner policy and workers compensation.
- Health insurance like dental, medical, accident and critical illness.
- Mechanical repair service plans to cover vehicle repairs.
- Motorcycle insurance
- Accident forgiveness
Frequently asked questions
What information is needed to get a quote from SafeAuto?
You can get a quote in as little as three minutes, according to the company. You will need your car’s year, make, model or Vehicle Identification Number (VIN), driving history info like previous accidents or tickets and location of where you will park your vehicle.
Does the SafeAuto Insurance Company insure in all states?
At this time, SafeAuto only insures residents of: Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas and Virginia.
How do I file a claim with SafeAuto?
If you are involved in an accident and need to report a claim to SafeAuto, follow these steps:
- If applicable, contact the local authorities to report the accident and obtain a copy of the report.
- Take photos of the accident and location.
- Note the date and time of the accident.
- Note the year, make and model of any other vehicles involved.
- Write down names, addresses and phone numbers of all drivers, passengers and witnesses.
- Note any injuries.
- Write down drivers license and insurance information for other involved parties.
- Write a summary of how the incident happened.
- Call SafeAuto at 1-800-723-3288 and follow their instructions on how to submit the above.
How long does it take for SafeAuto insurance to pay a claim?
Depending on how serious or complicated the accident, customer reviews state claims take anywhere from days to weeks to pay out.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.