Deciding on a car insurance company can be complicated: every company's rates differ based on your driving history, location, and age, and every company's discounts vary. Safe Auto and Allied are two of the most popular auto insurance companies, providing affordable insurance policies across most of the US.
To simplify the insurance-shopping process, we've pulled average rates from Allied and Safe Auto. These take into consideration myriad rating factors, including credit rating, driving behavior, and age. Examine these figures and find the perfect policy for you.
Â
Â
If you have very bad credit, Allied could be a better option for you. On average, Allied offers better rates than Safe Auto for prospective clients with credit scores of less than 580. Those with extraordinary credit — a score of 800 or better — should favor Check out common insurance rates by credit tier for Allied and Safe Auto below.
Â
| Credit score | Safe Auto avg. annual premium | Allied avg. annual premium |
| Very Poor (300-579) | $3,799 | $1,483 |
| Fair (580-669) | $2,483 | $1,097 |
| Good (670-739) | $3,358 | $1,104 |
| Very Good (740-799) | $1,937 | $920 |
| Exceptional (800-850) | $1,921 | $857 |
Â
If you are carrying an at-fault accident, speeding ticket, reckless driving violation, or DUI offense in your recent history, Allied could be a better choice than Safe Auto. Every insurance company will handle driving offenses differently, so don't hesitate to shop around to understand which insurer is best for you.
Â
| Infraction | Safe Auto avg. annual premium | Allied avg. annual premium |
| At-fault accident (damage < $1,000) | $2,867 | $1,662 |
| At-fault accident (damage > $1,000) | $2,837 | $1,221 |
| DUI/DWI | $2,867 | $2,708 |
| Reckless driving | $2,867 | $2,708 |
| Speeding ticket | $2,738 | $1,232 |
Â
Insurance companies use a driver's age to indicate risk, assigning rates on a sliding scale. Car insurance is commonly most expensive for teens — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Since each insurance company rates age tiers in a different way, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose Allied over Safe Auto: the former's average annual rates are $4,736 less than the latter's..
Â
| Age | Safe Auto avg. annual premium | Allied avg. annual premium |
| Teens | $8,262 | $3,526 |
| 20s | $2,764 | $1,392 |
| 30s | $2,183 | $1,392 |
| 40s | $2,053 | $959 |
| 50s | $1,862 | $915 |
| 60s | $1,707 | $832 |
Â
Affordability aside, Safe Auto and Allied each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | Safe Auto | Allied |
|---|---|---|
| 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 | Safe Auto | Allied |
|---|---|---|
| Financial Strength | N/A | Excellent |
| JD Power Rankings | N/A | N/A |
| User Satisfaction | N/A | N/A |
| Other Products | Safe Auto | Allied |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Safe Auto | Allied |
|---|---|---|
| About | Safe Auto strives to provide affordable insurance to every driver, no matter the situation. | Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you. |
| Roadside Assistance | Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable. | Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts. |
| Additional Discounts | 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. | Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually. |
| Recent 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
|
|
| Compare More | Safe Auto vs. 21st Century Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farm Bureau Mutual Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. North Star Mutual Safe Auto vs. Progressive Safe Auto vs. Safeco Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA | Allied vs. 21st Century Allied vs. Allstate Allied vs. American Family Allied vs. Amica Mutual Insurance Allied vs. Auto Club (AAA) Allied vs. Erie Allied vs. Esurance Allied vs. Farm Bureau Mutual Allied vs. Farmers Allied vs. Foremost Allied vs. GEICO Allied vs. Infinity Allied vs. Liberty Mutual Allied vs. Mercury Allied vs. MetLife Allied vs. North Star Mutual Allied vs. Progressive Allied vs. Safeco Allied vs. State Farm Allied vs. The General Allied vs. The Hartford Allied vs. Titan Allied vs. Travelers Allied vs. USAA |
| Top States | Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |