Reviews Report
- Safe Auto specializes in nonstandard, minimum-limits auto insurance and SR-22 filings and operates under National General (an Allstate company); see SafeAuto for ownership details.
- Safe Auto currently offers auto insurance in 20 states — AL, AZ, AR, GA, IL, IN, KS, KY, LA, MS, MO, NE, OH, OK, PA, SC, TN, TX, UT, VA — reflecting a concentrated footprint in the Midwest, South, and Plains (Forbes Advisor).
Safe Auto car insurance isn’t among the most affordable choices for preferred-risk drivers, but it focuses on car insurance coverage for high-risk drivers who often buy state-minimum liability and may need SR-22 filings. While customers can add optional collision and comprehensive, the brand’s core is minimum required liability. Safe Auto is not individually rated by J.D. Power. The Better Business Bureau maintains a company profile (ratings can change). For financial strength, Safe Auto operates under National General Insurance Group, which holds an AM Best Financial Strength Rating of A (Excellent) with a Stable outlook (AM Best press center; see also Allstate’s group credit profile at Allstate Investors). According to the NAIC Consumer Complaint Index, Safe Auto’s private-passenger auto complaint frequency has trended above the market average in recent results; check the NAIC index for the latest year-by-year data.
Safe Auto Car Insurance Overview
Safe Auto’s footprint remains concentrated at about 20 states, including Alabama, Arizona, Arkansas, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Virginia (Forbes Advisor; NerdWallet). The brand emphasizes essential digital self-service: 24/7 online or phone claim reporting, a mobile app for digital ID cards and payments on iOS and Android, online account management, and Quick Pay options. As a nonstandard carrier, Safe Auto typically focuses on minimum-required liability coverage, with optional collision and comprehensive available in most states.
Safe Auto Car Insurance Highlights
Safe Auto’s Car Insurance Bundling Discounts for Cheaper Insurance
Bundling eligibility and savings vary by state and carrier. Safe Auto advertises multi-vehicle and, in select markets, multi-policy options; given its auto-first focus under National General (an Allstate company), any home bundling may be offered via affiliated carriers where available (SafeAuto; Allstate Investors). Because programs and discounts depend on your location and profile, speak with a representative or get a quote online to see what you qualify for.
Safe Auto Car Insurance vs. The Competition
| A.M. Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | No. of Discounts | ||
|---|---|---|---|---|
| Pin Safe Auto | A | Not rated | Varies | |
| Pin Auto-Owners | A++ | Above avg (2025)† | Varies | |
| Pin USAA | A++ | Not rank-eligible (strong results)† | Varies | |
| Pin Farmers | A | Around avg (2025)† | Varies |
Information current as of 2025. \u2020J.D. Power results vary by region and eligibility; see the 2025 U.S. Auto Insurance Study for details.
Safe Auto vs. Auto-Owners
Safe Auto focuses on nonstandard drivers seeking minimum limits and SR-22 support across about 20 states. Auto-Owners sells through independent agents with broader coverage customization and typically performs above the industry average in recent J.D. Power satisfaction studies (performance varies by region). Availability for Auto-Owners depends on your state; an agent can confirm options and discounts locally.
Safe Auto vs. USAA
Safe Auto’s value proposition is access for higher-risk drivers and minimum coverage in select states. USAA serves members nationwide (active-duty military, veterans, and eligible family) and offers a robust discount set plus the SafePilot telematics program. USAA often shows strong outcomes in J.D. Power studies but is frequently not rank-eligible because of membership limits.
Safe Auto vs. Farmers
Safe Auto advertises core discounts like multi-vehicle and prior insurance and emphasizes essential self-service for nonstandard customers. Farmers provides a wider roster of discounts and its Signal telematics program, and it generally lands around the industry average in recent J.D. Power satisfaction results (varies by state/region). Both support convenient claims intake online and by phone.
Safe Auto FAQ
Methodology
We evaluated Safe Auto Car Insurance using current third-party sources and public filings: A.M. Best for financial strength at the National General group level (AM Best press center; parent credit context at Allstate Investors), the NAIC Consumer Complaint Index for complaint activity, and recent J.D. Power studies for satisfaction benchmarks (overall auto insurance and digital experience). We also validated state availability with reputable independent overviews (Forbes Advisor; NerdWallet) and SafeAuto’s official pages for digital features (claims; mobile).
- Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2021 Auto Insurance Satisfaction Study to compare the average rating of insurers across all regions.
- Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection.
- Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more (see J.D. Power’s U.S. Insurance Digital Experience Study for market context).
