Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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The Lowdown

  • SafeAuto specializes in auto insurance for high-risk drivers
  • SafeAuto insurance provides the minimum liability coverage required in each state where it is available
  • SafeAuto Insurance is available in 20 states

SafeAuto Insurance is a non-standard auto insurance company. This provider specializes in meeting auto insurance requirements for high-risk drivers. High-risk drivers in each state are required to meet a minimum amount of auto insurance coverage.

SafeAuto Insurance is available in 20 states with a basic minimum offering of liability coverage. Comprehensive and collision coverage can be purchased as well.

In addition to providing the minimum auto insurance coverage amount, SafeAuto insurance also provides SR-22’s. This is a requirement in insuring high-risk drivers with more serious violations who need to prove they’re insured and not liable.

Search affordable SafeAuto insurance rates in your area by typing your ZIP code in the free tool above.

SafeAuto Insurance

SafeAuto Insurance is known for supplying high-risk drivers with the minimum liability insurance required needed to meet state requirements. Comprehensive and collision insurance is also offered in conjunction with primary liability insurance.

Along with liability, comprehensive, and collision insurance, SafeAuto also provides rental reimbursement, roadside assistance, and towing in 20 states.

  
Alabama
Yes
Alaska
Arizona
Yes
Arkansas
California
Yes
Colorado
Yes
Connecticut
Delaware
District of Columbia
Florida
Georgia
Yes
Hawaii
Idaho
Illinois
Yes
Indiana
Yes
Iowa
Kansas
Yes
Kentucky
Yes
LouisianaYes
Maine
Maryland
Yes
Massachusetts
Michigan
Minnesota
Mississippi
Yes
Missouri
Yes
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Yes
Oklahoma
Yes
Oregon
Pennsylvania
Yes
Rhode Island
South Carolina
Yes
South Dakota
Tennessee
Yes
Texas
Yes
Utah
Vermont
Virginia
Yes
Washington
West Virginia
Wisconsin
Wyoming
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Other SafeAuto insurance coverage options include:

  • Personal injury coverage: This type of coverage is used for medical and funeral expenses, lost wages, and household services if you’re injured in an accident, regardless of who was at fault.
  • SR-22 availability: This is a requirement of the state that ensures a high-risk driver is insured with at least the minimum liability coverage in the state. It’s often used for those with DUI’s or other serious violations on their record.
  • Pay-as-you-go liability insurance: This is only available in Illinois and California. Drivers can pay a flat rate for insurance only on the days they drive. 

In addition to coverage options, SafeAuto offers certain discounts like:

  • Multi-car
  • Owning a home
  • Switching to SafeAuto from another insurer
  • Driver improvement courses
  • Safe driving
  • Paying the premium in full

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SafeAuto Insurance Reviews

As a non-standard and specialty auto insurance company, SafeAuto does not offer all of the same amenities we may come to think of. Even so, SafeAuto has distinct pros and cons that set the company apart from competitors.

Pros

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • High-Risk Coverage And SR-22 Insurance
  • Full Coverage
  • Flexible payment options

Cons

  • It can be more expensive to insure high-risk drivers
  • Available in 20 states

SafeAuto claims are relatively simple. They begin with a First Notice of Loss (FNOL) which alerts SafeAuto that a claim has been initiated.

Next, there will be an investigator with an adjuster and appraiser. If applicable, you’ll receive your payment and or repairs.

You can keep track of your coverage, claims, and payments using the SafeAuto login for the app.

SafeAuto Insurance Quotes

Like most standard auto insurance companies, SafeAuto rates depend on your driving record, location, coverage types(s), and even credit score. Because SafeAuto specializes in high-risk drivers quotes may not always be low.

Regardless of what type of driver you are classified as, SafeAuto lets users choose how they pay and what coverage options are best and most affordable. The average premium for SafeAuto is approximately $240.47 per month.

Enter your ZIP code in the free tool below and find SafeAuto insurance rates near you.