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SafeAuto Car Insurance Review

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The Safe Auto Insurance Group, operating as SafeAuto online, is an insurance policy writer and provider based in Columbus, Ohio. The company offers car insurance and SR-22 insurance policies, as well as policies for motorcycles, renters, and homeowners via affiliates and third-party insurers. Safe Auto car insurance policies cover medical expenses, rental cars, roadside assistance and more, including the standard liability, collision, and comprehensive coverages. Safe Auto policies are available in 17 US states.
 
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How is SafeAuto rated?

Breakdown

4.2/5
Coverage
4.2/5
Financial Strength
0.0/5
Supplemental Coverage
4.2/5
Pricing & Discounts
4.2/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 4 / 5 (Excellent)

SafeAuto is an excellent car insurance alternative for anyone living in one of the seventeen states where they are licensed to offer coverage. The company has extensive coverage options, features several discounts, and provides customers with the convenience of both an online platform and mobile app to deal with claims and policy specifics. SafeAuto is still a helpful tool for those living outside its coverage range, as it is able to redirect consumers to other insurance providers depending on their needs and regardless of where in the US they live.

SafeAuto Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost

Coverage - 4.2 / 5

SafeAuto features several coverage options on top of the three basic coverages, which are liability, collision, and comprehensive. The company will pay for personal injury, bodily injury liability, medical payments, and uninsured or underinsured motorists. It also covers rentals and the cost of roadside assistance, including towing and labor costs.

Coverage Fine Print

SafeAuto has customer service agents standing by 24/7 to help customers deal with any claims. The company also features a mobile app and an online policy manager. SafeAuto is partnered with Enterprise Rental Car to get deals for policy customers.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
1.91
NAIC Total Complaints 2020
65

Customer Ratings

BBB Rating
A+
Date Collected
2018-09-04
*The NAIC Car Insurance complaint ratio (in this case 1.91) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 4.2 / 5

SafeAuto displays an overall mixed customer experience online. On one hand, it has been accredited by the BBB since 1997 and currently holds an A+ rating with them. On the other hand, the NAIC 2017 report shows that the company has a complaint ratio of 1.91–well over the national median of 1.00–comprised of 65 total complaints. SafeAuto does not have a Trustpilot page yet.

Financial Strength

Key Details

Underwriter
Safe Auto Insurance Company
Premiums Written 2020
$359,360,095
Marketshare
0.16%

Financial Strength - 4.2 / 5

The Safe Auto Insurance Group was founded in 1993 and underwrites its own car insurance policies, offered through SafeAuto in the 17 states it is licensed to do so: AZ, CA, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, and VA. We could not find its financial ratings online. The National Association of Insurance Commissioners 2017 report shows that the company had 0.16% of the market share and $359,360,095 in premiums.
*The above information reflects the financial strength of the underwriter of the SafeAuto car insurance policies: Safe Auto Insurance Company.

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student

Additional Discounts

  • Full/Automatic Payment

Pricing & Discounts - 4.2 / 5

SafeAuto offers a variety of policy discounts for customers to benefit from. These include but are not limited to discounts for insuring multiple vehicles, transferring from another business to SafeAuto, and being a homeowner. There are also discounts for having safety features in place for your vehicles and for making lump payments instead of monthly ones.

Contact & Additional Information

Homepage URL
https://www.safeauto.com
Company Phone
(614) 231-0200
Headquarters Address
4 Easton Oval, Columbus, OH, 43219
Year Founded
1993

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Customer Comments & Reviews

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B
Beth G
8/30/2022
Was involved in a rear collision by a Safeauto customer. Have been waiting for over 3 weeks for someone to contact me regarding how to get my car repaired. I was able to get a claim #, but have never seen or heard from an adjuster.

T
Tim C
3/13/2022
AWFUL customer service. Also, don't count on getting any sort of refund if you decide to cancel your policy. If you decide to go with SafeAuto, I would STRONGLY recommend NOT doing autopay. I was billed twice for the last month of my policy and was told there were some sort of hidden cancellation fees totalling near $400.

J
Jennifer W
3/23/2021
Safe Auto sucks. They give you a "quote" and then add an additional fee AFTER you have chosen to accept the quote. But if you CANCEL after accepting the quote, you still have to pay additional fees (because they ran your reports, etc... well doesn't EVERY SINGLE INSURANCE COMPANY run your reports before quoting you? And THEN, at the end of the policy period, they charge fees to cancel, even if you don't cancel early. Their reasoning is that they sent you a renewal bill and they ran your reports again, and it is an "earned" fee because they ran your reports again (even though you had not chosen to renew with them!!!) 0 starts for Safer Auto. They suck.

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