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.
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.
|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 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.
|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|
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.
|Age tier||Allstate avg. annual premium||Safe Auto avg. annual premium|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Allstate||Safe Auto|
|JD Power Rankings||Average||N/A|
|Other Products||Allstate||Safe Auto|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Allstate||Safe Auto|
|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||Can you make your child a permissive user in order to get a discount?|
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies.See More Questions
|Should I get full coverage from a less well-known insurer?|
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.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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