Average cost of SafeAuto car insurance
The average car insurance premium from SafeAuto is $303 per month for full coverage and $211 per month for minimum coverage. For comparison, the national average monthly rates are $253 for full coverage and $170 for liability-only coverage.
SafeAuto’s average car insurance premiums are more expensive than the U.S. national average. However, nonstandard car insurance companies often have higher rates than standard insurers.
Because drivers with past driving violations and accidents are high-risk and pose more potential losses to insurers, nonstandard car insurance companies typically charge them more expensive rates.[2] If you have a clean driving record, good credit, and no criminal offenses, SafeAuto might not be the cheapest insurer for you.
SafeAuto car insurance coverage
SafeAuto sells state-minimum insurance, which typically includes personal liability insurance, uninsured/underinsured motorist insurance, and personal injury protection (PIP). You can also purchase a full-coverage policy that includes collision, comprehensive, and medical payments coverage.
For more customized protection, SafeAuto also offers several add-on options:
Roadside assistance: Covers the cost of basic roadside vehicle services, like flat-tire changes, fuel delivery, lockouts, and battery jump starts
Towing and labor: Reimburses you for towing expenses and/or labor for roadside vehicle repairs
Rental car reimbursement: Pays for a rental car while your vehicle is repaired or replaced if damaged in a collision or comprehensive claim
SR-22: A certificate that proves you carry the minimum amount of coverage required in your state; it’s only required for certain drivers, including people who have a suspended license
SafeAuto car insurance cost by state
Car insurance is a legal requirement for vehicle owners in every state except New Hampshire and Virginia. States have different car insurance laws for the required coverage types and amounts. Car insurance rates also depend on the state you’re insured in.[2]
For example, in states with a high number of uninsured drivers or a risk of severe weather, car insurance premiums might be more expensive.[2] Premiums can also be more expensive in states that require higher coverage limits.
The table below shows SafeAuto’s monthly average car insurance premiums in 15 states where SafeAuto is available.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
SafeAuto auto insurance rates by driving history
Car insurance rates can differ based on your driving history. In general, drivers with clean records pay the lowest rates for coverage. Drivers with speeding tickets, at-fault accidents, and DUIs usually experience higher rates.[2]
The table below shows SafeAuto’s average monthly premiums for drivers with clean records, speeding tickets, at-fault accidents, and DUIs.
| Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|
| Clean Record | $303 | $211 |
|---|
| With Speeding Ticket | $406 | $283 |
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| With At-Fault Accident | $433 | $302 |
|---|
| With DUI | $603 | $420 |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
SafeAuto car insurance cost by age
One of the most influential factors that can affect your car insurance premium is your age.[2] Young drivers usually pay the highest rates because they have less experience and pose a higher risk than older drivers. For most drivers, auto insurance premiums decrease with age. However, drivers may see their rates increase again around age 70.
The table below includes SafeAuto’s average monthly car insurance premiums for drivers in different age groups.
| |
|---|
| Teenagers | $445 |
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| 20s | $299 |
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| 30s | $255 |
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| 40s | $226 |
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| 50s | $198 |
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| 60s | $174 |
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| 70s | $199 |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get a SafeAuto car insurance quote from Insurify
If you’re shopping for auto insurance, it’s a good idea to compare quotes from a few different insurers. Through Insurify, you can get a personalized rate quote from SafeAuto and many other popular insurance companies.
Follow these steps to get a SafeAuto quote from Insurify:
Visit Insurify’s website. To start, navigate to Insurify’s website and enter your ZIP code.
Enter your vehicle and personal information. Provide information about yourself and your car, including the VIN and mileage. Answer the questions about how you use the vehicle, if you own the vehicle, and whether you want full coverage.
See your quotes. Based on your information, you’ll see quotes from insurance companies that sell coverage in your area. If SafeAuto sells car insurance in your state, you’ll see your estimated premium.
Once you have your quotes, you can compare your estimated rate from SafeAuto to several other car insurance companies. Using Insurify to compare quotes can help you find the most affordable premium for your situation and coverage needs.
SafeAuto car insurance discounts
SafeAuto offers several car insurance discounts, which can reduce your insurance costs:
Multi-policy: If you purchase multiple insurance policies from SafeAuto, like auto and home insurance, you can qualify for a discount.
Multi-vehicle: You can get a cheaper car insurance policy when you insure more than one vehicle on the same policy.
Paid in full: When you pay your annual auto insurance premium in full, SafeAuto may apply a discount to your policy.
Continuous insurance: If you can show proof of continuous auto insurance with no coverage gaps, you can get a discounted premium.
Homeowner: Homeowners can qualify for auto insurance savings through SafeAuto.
Older than 55: If you’re older than 55, SafeAuto will give you a discount on your premium.
Good student: Students who get good grades in school or maintain a minimum grade point average (GPA) may be able to get a lower rate.
Defensive driver: When you complete an approved defensive driver course, SafeAuto will give you a discount on your car insurance policy.
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