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Picking a car insurance company is complex: the rates each insurer offers can vary widely based on your location, vehicle, and driving record, and every company's discounts vary. Allstate and Safe Auto are two of the top insurers, selling competitively priced coverage in most states across the US.
To simplify the process of comparing insurance companies, we gathered average insurance premiums from Safe Auto and Allstate. The below rates cover a number of rating factors, including credit, driving history, and age. Examine these rates and find the right policy for you.
If you have very poor credit, Allstate could be the best option for you. On average, Allstate offers cheaper rates than Safe Auto for prospective clients with credit scores of lower than 580. Insurance shoppers with outstanding credit — a score of 800 or higher — should favor Allstate, which typically beats Safe Auto by $178 per year. Check out typical insurance rates by credit tier for Safe Auto and Allstate below.
|Credit level||Allstate avg. annual premium||Safe Auto avg. annual premium|
|Very Poor (300-579)||$3,117||$3,799|
|Very Good (740-799)||$1,820||$1,937|
If you are carrying an at-fault accident, speeding ticket, reckless driving violation, or DUI offense on your résumé, Safe Auto could be a better choice than Allstate. Each auto insurance company enacts rate penalties differently, so don't be afraid to shop around to find out which insurance company suits you.
|Infraction||Allstate avg. annual premium||Safe Auto avg. annual premium|
|At-fault accident (damage < $1,000)||$3,006||$2,867|
|At-fault accident (damage > $1,000)||$2,290||$2,837|
Insurers rely on age to estimate risk, assigning rates accordingly. Car insurance is commonly most expensive for teen drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company rates ages differently, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose Allstate before Safe Auto: Allstate offers average yearly savings of $1,820 versusSafe Auto.
|Age||Allstate avg. annual premium||Safe Auto avg. annual premium|
Affordability aside, there are myriad pros and cons of both Allstate and Safe Auto, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||3 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.||At SafeAuto, we strive to provide affordable insurance to every driver, no matter the situation.|
|Roadside Assistance||Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.||Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.|
|Additional Discounts||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.||Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.|
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|Compare More||Allstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farm Bureau Mutual Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. North Star Mutual Allstate vs. Progressive Allstate vs. Root Allstate vs. SAFECO Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA||SafeAuto vs. 21st Century SafeAuto vs. Allied SafeAuto vs. American Family SafeAuto vs. Amica Mutual Insurance SafeAuto vs. Auto Club (AAA) SafeAuto vs. Erie SafeAuto vs. Esurance SafeAuto vs. Farm Bureau Mutual SafeAuto vs. Farmers SafeAuto vs. Foremost SafeAuto vs. GEICO SafeAuto vs. Infinity SafeAuto vs. Liberty Mutual SafeAuto vs. Mercury SafeAuto vs. MetLife SafeAuto vs. Nationwide SafeAuto vs. North Star Mutual SafeAuto vs. Progressive SafeAuto vs. SAFECO SafeAuto vs. State Farm SafeAuto vs. The General SafeAuto vs. The Hartford SafeAuto vs. Titan SafeAuto vs. Travelers SafeAuto vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia|
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