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.

Credit levelAllstate avg. annual premiumSafe 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
CitationAllstate avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$3,006$2,867
At-fault accident (damage > $1,000)$2,290$2,837
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 tierAllstate avg. annual premiumSafe 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 ComparisonAllstateSafe 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
New Vehicle
Annual Mileage
Ratings ComparisonAllstateSafe Auto
Financial Strength ExcellentN/A
JD Power Rankings AverageN/A
User Satisfaction 4.3/54.3/5
Other ProductsAllstateSafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAllstateSafe Auto
Roadside Assistance
Additional DiscountsAllstate 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 QuestionsCan 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.
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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&nbsp;deductible&nbsp;unless you have&nbsp;comprehensive&nbsp;and&nbsp;collision&nbsp;coverage. Since you only have&nbsp;liability, the damages to your car will not be covered which means there is no&nbsp;deductible.
See More Questions
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