Safe Auto Insurance Review
- With an overall score of 2.2/5 stars in 2025, Safe Auto is a below average insurance company.
- Read Safe Auto reviews, complaints and prices before you buy.
Safe Auto insurance: Ratings and reviews
SafeAuto was acquired by Allstate in 2021 through its purchase of National General.[1] It now operates as part of Direct Auto (another subsidiary of National General) and National General’s direct-to-consumer, non-standard auto insurance business. For more on its parent company, check out our review of National General.
Safe Auto 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. In 2021, Safe Auto was acquired by Allstate via National General; it's now a part of Direct Auto.
Have a look at The Zebra's Safe Auto insurance review and summary of coverage options below.
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Best for high-risk drivers who may have difficulty finding coverage
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Low down payments
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Above average number of complaints
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Not rated well with the BBB
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Very expensive premiums
Is Safe Auto a good insurance company?
The majority of The Zebra's review incorporates how well Safe Auto scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Trustpilot Reviews: 3.3/5
- Safe Auto earned 3.3/5 stars from Trustpilot[2]
BBB Customer Reviews: 1.06/5
- Safe Auto has a 1.06/5 rating from Better Business Bureau customers[3]
Complaint Index: Above average
- The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Safe Auto[4]
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Safe Auto for it to be included.
Safe Auto vs. other top insurance companies
How much does Safe Auto insurance cost?
Currently, the national average for a 6-month policy is $1,084, whereas Safe Auto is about $1,618 — roughly 49% more expensive than than a typical policy.
The table below shows how Safe Auto car insurance compares against other top insurers' monthly premiums.
Updating data...
| Company | Avg. Monthly Premium |
|---|---|
| Bristol West | $285 |
| Safe Auto | $254 |
| State Auto | $170 |
| Kentucky Farm Bureau | $159 |
| Progressive | $157 |
| GEICO | $129 |
| Ohio Mutual Ins Group | $111 |
| Western Reserve | $99 |
Source: The Zebra
Similar to any insurance company, pricing for Safe Auto car insurance does vary based on your age and generally will get cheaper the older you get.
The table below shows Safe Auto's car insurance premiums for different age brackets.
Updating data...
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $587 |
| 20s | $325 |
| 30s | $257 |
| 40s | $223 |
| 60s | $216 |
| 50s | $203 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
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.
- Multi-policy bundling: Bundle your auto insurance with another policy, like life insurance, to see some savings.
- Multiple vehicles:Â If you own more than one vehicle and insure them both through Safe Auto, you could receive a discount.
- Driver education course:Â Complete a qualifying driver education course to get this discount.
- Payment discounts: Get a discount for paying your policy in full, enrolling in auto-pay and going paperless.
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What types of coverage does Safe Auto offer?
Safe Auto provides basic liability coverage as well as full collision and comprehensive coverage, uninsured motorist coverage and personal injury protection (PIP).
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 scores and limited or no insurance history. It also offers these additional optional coverages:
- Towing coverage: This will cover or reimburse you for emergency towing costs (up to the limit selected) if your car breaks down.
- Rental reimbursement: With this coverage, the costs of a rental car will be covered if your own vehicle is out of commission from an accident.
- Medical payments: Known as Med Pay, this option helps to pay for you and your passengers' medical expenses after an accident, no matter who is at fault.
Safe Auto insurance review: Summary
If you're considering Safe Auto, you should first remember that your policy may actually be serviced and provided by Direct Auto. Secondly, you could find better, less expensive options even if you're a high-risk driver — for the price, the company's coverage options and discount opportunities are just not up to par with competitors of similar size. We recommend you shop around before landing on Safe Auto.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
Safe Auto insurance: Frequently asked questions
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Customer Questions about Safe Auto
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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 editorial 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.