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.
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.
| 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 |
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.
| 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 |
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..
| 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 |
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 |