Safe Auto - Auto Insurance
Safe Auto - Auto Insurance
in Car Insurance from Safe Auto

Safe Auto - Auto Insurance

in Car Insurance from Safe Auto
SuperMoney Net Recommendation Score -9  


This product is mostly not recommended by SuperMoney users with a score of -9, equating to 2.8 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

4 users recommend
2 users are unsure
5 users don't recommend
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Safe Auto - Auto Insurance Review

Safe Auto is a car insurance carrier based in Columbus, OH. The insurance company was founded in 1993 and offers car insurance in 17 states in the USA.

If you're considering whether Safe auto insurance is a good option for you, read on.

Safe auto insurance Pros & Cons

Pros Cons
  • Emergency roadside assistance
  • Rental car coverage
  • Generous with policy discounts
  • No 24/7 phone availability
  • No free policy cancellation
  • No locally available agents
  • Does not offer digital claims reporting
  • No accident forgiveness
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage

Safe auto insurance FAQ

What types of car insurance coverage options does Safe auto insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. Safe auto insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Safe auto insurance customers can also add the following riders or endorsements to their insurance policies:

  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Safe auto insurance have roadside assistance?

Emergency Roadside Service available. Yes, Safe Auto offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Safe auto insurance offer ridesharing insurance?

No, Safe auto insurance does not offer ridesharing coverage as a rider or endorsement.

What insurance discounts does Safe auto insurance offer?

When you ask for an insurance quote with Safe auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
  • Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
  • Internal Safety Features: Safe auto insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.

Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Safe auto insurance.

How does Safe Auto calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and Safe Auto is no exception. However, you can be confident that Safe auto insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does Safe auto insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Safe auto insurance insurance quote

  • Visit the Safe Auto website.
  • Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Safe Auto

At SafeAuto, we understand that shopping for car insurance can be stressful and pricey. That's why SafeAuto car insurance specializes in providing non-standard coverage for drivers with less-than-perfect driving records. We’ve got the state-minimum car insurance that matches your needs, no matter what. Whether you’re looking for temporary car insurance or short term car insurance, SafeAuto has got you covered. In just a few minutes, you can get a stress-free auto insurance quote and be on your way to getting affordable car insurance that matches your needs. Now, that’s insurance for the rest of us. Every driver has his or her own unique insurance needs and SafeAuto offers a wide variety of coverage options to fit those needs. Maybe you're only looking for short-term insurance because your needs are month to month. Maybe you’re only able to purchase low income car insurance to keep you covered, while fitting into your budget. That’s why at SafeAuto, drivers can sign up for a month or forever. Have a teen in the house who needs coverage? SafeAuto offers cheap car insurance for new drivers. For more than 20 years, we have been providing drivers from all walks of life with inexpensive car insurance to help our customers get the coverage they need. For more than 25 years, SafeAuto has provided state-minimum car insurance to the drivers who need it most. Whether you are in the market for low-income car insurance coverage, SR-22 insurance, or just want an affordable rate that you can depend on, SafeAuto is here to help. All it takes is answering a few questions about you, your car, and any other drivers you may have, and we will have a customized policy ready for you right away. As soon as you purchase a SafeAuto insurance policy, you’ll have immediate coverage and proof of insurance so you'll be ready to enjoy the road ahead.


  Available in 17 states
  • Arizona
  • California
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Missouri
  • Mississippi
  • Ohio
  • Oklahoma
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia

Feature Breakdown

Policy Discounts
  • Defensive Driver / Safety Course
  • Full Payment
  • Good Student
  • Homeowner
  • Multiple Vehicles
  • New Customer / Competitor Transfer
  • Claims Free
Vehicle and Equipment Discounts
  • Anti-Lock Brake System
  • Anti-Theft Devices
  • Internal Safety Features (Air Bags / Seat Belts)
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Underinsured Motorist
  • Uninsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision

Safe Auto - Auto Insurance Community Reviews


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This product is mostly not recommended by SuperMoney users with a score of -9, equating to 2.8 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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