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|
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|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Allstate||Safe Auto|
|JD Power Rankings|
|Other Products||Allstate||Safe Auto|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Allstate||Safe Auto|
|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.||Safe Auto strives 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.|
|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.Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.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.Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.See More Questions
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