Allstate vs. Safe Auto

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Allstate or Safe Auto: Which Company is Best for You?

Deciding on an auto insurance company is sometimes difficult: rates may vary based on your driving history, location, and age, and every company provides a different set of discounts. Allstate and Safe Auto are two of the top insurance companies, providing competitively priced policies across large swaths of the US.

To help make shopping for car insurance easier, we gathered average insurance rates from Safe Auto and Allstate. The below cover myriad pricing factors, including credit history, driving infractions, and age. Examine these rates and find an affordable policy today.

Seeking additional insights? Check out our reviews of Allstate and Safe Auto.

 

Allstate vs. Safe Auto: insurance rate comparison

 

Allstate vs. Safe Auto: pricing by credit score

If you have very poor credit, Allstate could be the best option for you. On average, Allstate offers cheaper rates than Safe Auto for drivers with credit scores of lower than 580. Insurance shoppers with excellent credit — a score of 800 or higher — should opt for Allstate, which typically beats Safe Auto by $178 per year. Check out common insurance rates by credit level for Safe Auto and Allstate below.

 
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Safe Auto VS. Allstate
Credit level Allstate avg. annual premium Safe Auto avg. annual premium
Very Poor (300-579) $3,117 $3,799
Fair (580-669) $2,162 $2,483
Good (670-739) $2,021 $3,358
Very Good (740-799) $1,820 $1,937
Exceptional (800-850) $1,743 $1,921
 

Allstate vs. Safe Auto: rates for bad drivers

If you are carrying an at-fault accident, speeding ticket, reckless driving violation, or DUI on your record, Safe Auto could be a better choice than Allstate. Every insurance company prices policies differently after a violation, so don't hesitate to shop around to find out which insurer is best for you.

 
RATES BY CITATION: Safe Auto VS. Allstate
Citation 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
DUI/DWI $3,637 $2,867
Reckless driving $3,388 $2,867
Speeding ticket $2,256 $2,738
 

Allstate vs. Safe Auto: rates by age

Auto insurance companies rely on a driver's age as an indicator of potential risk, assigning rates accordingly. Car insurance is usually most expensive for young drivers — thanks to their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company prices age tiers in a different way, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose Allstate instead of Safe Auto: Allstate offers average yearly savings of $1,820, compared to Safe Auto.

 
RATES BY AGE BRACKET: Safe Auto VS. Allstate
Age tier Allstate avg. annual premium Safe Auto avg. annual premium
Teens $6,442 $8,262
20s $2,636 $2,764
30s $1,920 $2,764
40s $1,912 $2,053
50s $1,893 $1,862
60s $1,768 $1,707
 

Aside from affordability, Allstate and Safe Auto come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount Comparison Allstate Safe Auto
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings Comparison Allstate Safe Auto
Financial Strength Question mark icon Excellent N/A
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Allstate Safe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features Allstate Safe Auto
About Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today. Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
Roadside Assistance Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). 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.
Recent Questions Car insurance for elderly car owner who doesn't drive
There&#x27;s a couple of ways to go about handling this. First, you need to be careful about your mother&#x27;s registration.
What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?
While I can&#x27;t say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn&#x27;t have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
See More Questions
Do I pay a deductible for a liability claim?
You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.
See More Questions
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