SafeAuto: Leading Provider of State Minimum Auto Coverage

High-risk drivers can buy affordable car insurance through SafeAuto Insurance although you must live in one of the 20 states where this company does business. The average cost for a policy through SafeAuto is $1872/year, but SafeAuto doesn't sell any other type of insurance beyond car insurance. You can obtain free car insurance quotes from SafeAuto Insurance and other insurance companies online to find the best policy for your coverage needs.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • SafeAuto only provides coverage in 20 states
  • SafeAuto doesn’t offer many optional coverage types
  • You can shop for cheap insurance online

More and more drivers are trying to keep themselves protected while saving as much money as possible. Thankfully, if you’re on a budget and need to buy car insurance, SafeAuto Insurance may be able to help you as it specializes in curating policies for high-risk drivers. That means that even if you have some speeding tickets on your driving record, you can obtain reasonable car insurance rates with SafeAuto Insurance.

While you should always compare car insurance quotes between at least three other companies, SafeAuto Insurance reviews like this one can help you learn more about this company and narrow down your potential choices.

Keep reading to discover how SafeAuto can save you money and protect your vehicle whenever you’re cruising down the road.

If you’re curious as to how well SafeAuto Insurance measures up to the competition, enter your ZIP code to start comparing free insurance quotes.

What type of coverage does SafeAuto offer drivers?

Most states require you to have an active car insurance policy in order to operate a vehicle on the road, but even if you live in a state that doesn’t have such a requirement, it’s still in your best interest to buy insurance. If you were to cause an accident and damage someone’s Rolls Royce, you could be sued for not only the full amount of the repairs but also for any medical bills that the other driver accrued as well after the accident.

With a car insurance company like SafeAuto Insurance, you can get the coverage you need to be street legal and protected the next time you take your car out for a drive. If you drive an older vehicle and simply want protection for yourself, you can purchase the bare minimum liability insurance from SafeAuto. Such policies are usually much less costly than full coverage policies, which are also available through this company.

When you request free car insurance quotes from SafeAuto Insurance, you’ll be able to access these standard coverage options:

  • Collision
  • Comprehensive
  • Liability coverage
  • Personal injury protection
  • Accidental death benefit coverage

There is also SR-22 availability through SafeAuto which can be quite helpful if you were to ever be charged with, let’s say, a DUI and need to prove that you had insurance. SafeAuto also provides rental car coverage for an extra fee. If you choose to buy rental reimbursement coverage you’ll be able to receive reimbursement for the use of a rental car or even services like Uber or Lyft.

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Is SafeAuto Available Throughout the United States?

Although SafeAuto has been able to help a lot of high-risk drivers get insurance since 1993, many drivers may not be able to purchase a policy from this company. This is due to the fact that SafeAuto only does business in 20 states currently:

  • Alabama
  • Arizona
  • California
  • Colorado
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Mississippi
  • Missouri
  • Ohio
  • Oklahoma
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia

Not only is the availability of SafeAuto Insurance limited but so is the range of SafeAuto Insurance products. SafeAuto only provides coverage for cars. There is no SafeAuto motorcycle insurance or SafeAuto home insurance to speak of. Of course, if you don’t see your state on the list above, you can shop online to find insurance companies near you that can get you the coverage you need at the rates you want.

How much does a SafeAuto car insurance policy cost?

A policy from SafeAuto costs about $1,872 per year, but you must be aware that rates will always vary from one driver to another due to the underwriting process. This process is employed by every insurance company to ascertain how much of a risk you may pose to the company.

Rates are influenced by a number of things like your location, credit score, age, driving history, gender, coverage choices, and car type. So as you can imagine, even if you and a neighbor drive the same type of car, the insurance rates made available to the pair of you may end up being very different.

If you want to get a better idea of what you may pay for insurance, you can examine this data table to find the average rate of insurance in your home state:

Average Annual Liability Car Insurance Rates by State

StateAverage Annual Liability Car Insurance Rates
Alabama$394.21
Alaska$539.68
Arizona$508.76
Arkansas$394.13
California$489.66
Colorado$520.04
Connecticut$650.94
Delaware$799.30
District of Columbia$628.82
Florida$857.64
Georgia$557.38
Hawaii$458.54
Idaho$344.29
Illinois$446.72
Indiana$382.68
Iowa$299.18
Kansas$358.24
Kentucky$529.21
Louisiana$775.83
Maine$338.87
Maryland$609.74
Massachusetts$606.04
Michigan$795.32
Minnesota$456.82
Mississippi$460.50
Missouri$415.88
Montana$386.29
Nebraska$364.64
Nevada$681.56
New Hampshire$400.56
New Jersey$869.57
New Mexico$488.03
New York$804.51
North Carolina$359.42
North Dakota$298.18
Ohio$397.11
Oklahoma$461.01
Oregon$584.13
Pennsylvania$499.06
Rhode Island$759.80
South Carolina$527.09
South Dakota$300.22
Tennessee$413.91
Texas$528.75
Utah$497.53
Vermont$343.12
Virginia$425.61
Washington$596.67
West Virginia$491.83
Wisconsin$374.37
Wyoming$321.04
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You should also take note that you can take steps to obtain even more affordable car insurance through SafeAuto Insurance by making sure to add every eligible discount to your policy.

What discounts are available through SafeAuto?

Whenever you shop online, it would behoove you to take your time and review every piece of information on your SafeAuto Insurance quote carefully. That way, you can be sure that you aren’t missing out on any opportunities to save money. The next time you request free quotes from SafeAuto, you can see if you qualify for any of the following discounts:

  • Multi-car
  • Homeownership
  • Switching to SafeAuto from another insurance company
  • Defensive driving course
  • Paid-in-full
  • Good student
  • 55 years old or older

If you already have a SafeAuto policy and aren’t pleased with your current rates, you can review your policy at any time when you access your account online. You’ll simply need your SafeAuto login information to get started. Once you have your policy pulled up, give it a quick once over to make sure that every driver and vehicle listed reflects your current household.

For instance, if you notice that your child is still listed as a driver but has long since moved out of the home, you should remove your child from your policy. You may be shocked at how such a simple adjustment can influence your rates.

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SafeAuto: What You Need to Know

SafeAuto has been in business for over 15 years and specializes in helping high-risk drivers get the coverage they need to legally get back out on the road. Prices may be low at SafeAuto but so is the company’s range of available insurance products and coverage. You should also be aware that while you can buy SafeAuto Insurance in PA or TX, you won’t be able to purchase a policy from this company if you live in states like Hawaii or Alaska to name a few.

If SafeAuto isn’t available where you live, you have options. You can shop online to find an insurance company that can work inline with your budget and your coverage needs.

Enter your ZIP code to get free quotes and discover if SafeAuto is the best company for you.

Frequently asked questions

How can drivers cancel a SafeAuto policy?

If you would like to cancel your current SafeAuto policy, you will need to call or send in a written notice to SafeAuto. In your note, you will need to include the desired end date of your coverage, and you will also be required to pay a cancellation fee of $25. If you are owed a refund, SafeAuto will send your funds back to you.

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