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Safe Auto insurance review

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3.0 Rating from The Zebra

Safe Auto is a car insurance company based in ColumbusOhio, offering insurance in 17 states. It is a non-standard insurer, specializing in serving drivers who may be considered high-risk or who might otherwise have a hard time finding coverage. Have a look at The Zebra's Safe Auto insurance review and summary of coverage options below.

JD Power Rating — Not Rated

Financial strength — Not Rated: Safe Auto is not currently rated by financial rating service AM Best.

NAIC Rating — More Complaints than Average: According to the National Association of Insurance Commissioners (NAIC), Safe Auto received substantially more complaints than the national average.

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Safe Auto car insurance coverage options

Safe Auto provides basic liability coverage as well as full collision and comprehensive coverage in certain states. The company is known for providing non-standard car insurance, meaning that it provides coverage for policyholders who might be considered higher-risk — factors that indicate this include a history of tickets or accidents, low credit score, and drivers with limited or no insurance history.

SR-22 insuranceGavel_2021_Newsroom_RC_Featured_Illustration_R1.png

Safe Auto specializes in insuring high-risk drivers, including those who are required to carry SR-22s. An SR-22 is proof from your insurer that you are carrying the minimum legal level of coverage in your state. Safe Auto customers can get assistance with this process.

Some of the reasons that you might be required to carry an SR-22 include the following:


Roadside assistance

If you find yourself dealing with a mechanical breakdown, this coverage can help by covering the cost of towing and certain other expenses or repairs.

Rental reimbursement
crossroads and making decisions


A common addition to many policies, this coverage will pay for your rental car if your own vehicle is out-of-commission and under repair following a covered loss.

Safe Auto insurance benefits

Below you’ll find some of the perks Safe Auto offers its customers.

24/7 claims assistance
24/7 claims assistance

Safe Auto allows its customers to get assistance with claims issues at all times of the day.

Online account
Online account

Safe Auto offers an online account and mobile app that allow you to conveniently manage payments, view policy documents, and review your proof of insurance.

Same-day pay
Same-day pay

In an effort to cut down on the time it takes to pay out claims, Safe Auto launched its Same Day Pay program. This process allows customers to have payments made directly to a prepaid card, bank-issued debit card, or the bank account of the claimant. It should be noted, however, that Safe Auto is a little vague with the name of this service, and that claimants must still wait for a claim to be resolved before any payment is made.  

Safe Auto car insurance discounts

Because Safe Auto specializes in selling to high-risk drivers, discounts may not be as robust as some of those offered by other companies. However, the company does offer a few key discounts. Keep in mind: discounts vary by state.

  • New Business Transfer: You can get a discount if you switch to Safe Auto from another insurance company. Simply provide the company with information about your former policy when you sign up.
  • Multiple Vehicle Discount: If you own more than one vehicle and insure them both through Safe Auto, you could receive a discount.
  • Homeowners Discount: By owning your home, you could be eligible for a discount from Safe Auto.
  • Good Student DiscountSafe Auto allows a discount for students who maintain a high GPA.

Additional lines of insurance

Though the word “auto” takes up half of the company name, Safe Auto does offer lines of insurance other than automotive. Below you’ll find some of the coverages that they provide:

Auto Property Personal


Is Safe Auto insurance right for you?

Safe Auto is insurance without a lot of frills. Still, if you have an imperfect driving record, poor credit, or are otherwise considered high-risk, it can be a great option whether you're looking for just the state minimum or a full coverage insurance policy. However, it’s possible that you may still find cheaper insurance rates and better customer service by looking elsewhere. The best way to find an affordable policy is to compare as many insurance quotes as possible. The Zebra can show you quotes from dozens of insurance providers just by inserting your ZIP code below.

Get personalized insurance rates in less than 5 minutes.

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.