Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 25, 2022

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Just the Basics

  • SafeAuto is headquartered in Columbus, OH, and offers auto insurance to drivers in 20 states
  • The company specializes in providing coverage for high-risk drivers, offering SR-22 and state minimum insurance along with standard products
  • SafeAuto insurance aims to make insurance affordable and offers discounts that may help customers lower their rates

Car insurance is a necessary protection, but nobody really enjoys looking for a policy that fits their needs and budget. We get it, which is why we do everything we can to make finding the right insurance for you as easy as possible, giving you the information and tools you need to make informed decisions about your coverage. In this article, we look closely at SafeAuto Insurance Group to provide insight into its policies, discounts, and claims process.

SafeAuto has been providing insurance from its Columbus, OH, headquarters since 1993. It offers policies to drivers in 20 states, providing a range of products that include standard and optional coverages. Read on to determine if this company offers the products and services you need.

SafeAuto Car Insurance Coverage

SafeAuto insurance maintains a trimmed-down menu of possible plans. The company specializes in providing options for high-risk drivers. Therefore, it keeps its policies tailored to drivers who may find it challenging to get coverage. The company offers:

  • Bodily injury liability. Covers medical expenses for others when you are the at-fault driver in a car accident
  • Property damage liability. Covers damages to others’ property when you are at fault in a collision
  • Collision. Optional coverage to repair your car when you have a rollover accident, hit an object, or hit another vehicle
  • Comprehensive. Optional coverage repair your vehicle when it sustains damage from fire, hitting an animal, vandalism, or natural disasters
  • Underinsured and uninsured motorist. Optional coverage for property damage and medical expenses for you and your passengers when the at-fault driver does not have sufficient insurance
  • Medical expense. Optional coverage that pays for your and your passengers’ medical expenses after a car accident
  • Personal injury protection. Required coverage in states that have no-fault car insurance laws to cover medical expenses after an accident, regardless of who is at fault
  • Roadside assistance. Optional add-on that pays for emergency roadside assistance for specific events, including flat tires, dead batteries, and lockouts
  • Rental reimbursement. Optional add-on that reimburses car rental costs after qualifying accidents while your car is in the shop

Though SafeAuto offers the above products, they may not be available in every state. PIP coverage, for instance, is only offered in states that implement no-fault auto insurance rules. In addition, there are limitations, conditions, and exclusions for each coverage type that establish parameters for when you can use the product and how much protection you have.

High-Risk Insurance With SafeAuto Insurance Company

All policies are not created equal, and many high-risk drivers find it challenging to find adequate car insurance at a reasonable price. SafeAuto extends coverage to drivers who are considered high-risk. Several factors can make you a higher risk for insurance companies. Your age, years of driving experience, driving record, credit history, location, and the type of car you drive are all considerations when companies evaluate risk.

This company helps high-risk drivers by offering policies that meet the state minimum without additional protections. Drivers who need SR-22 insurance can also get it from SafeAuto. SR-22 provides documentation that you have insurance that meets minimum state requirements. Courts and government agencies require some drivers to file this form. You likely don’t need one if you haven’t been instructed to submit an SR-22.

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What auto insurance discounts are available from SafeAuto insurance?

Car insurance is a significant expense for many drivers, particularly those at higher risk. Fortunately, most insurance companies offer discounts that lower the cost of insurance. You may receive a discount from SafeAuto just by switching your insurance to this company. It also provides several other options for reducing your rates, including:

  • Multi-car
  • Multi-policy
  • Homeowner
  • Paid-in-full
  • Proof of continuous coverage
  • Defensive driver course
  • Good student
  • Over 55

Not all discounts are available in every state. SafeAuto aims to offer customers solid insurance at affordable rates, and discounts help the company achieve lower rates for many drivers. However, it’s a good idea to shop around to see how this company compares to others. When you use our free car insurance comparison tool and take advantage of any discounts you qualify for, you may be able to lower your rates significantly.

What states does SafeAuto offer coverage in?

Since 1993, SafeAuto has provided state minimum coverage to drivers in Ohio and beyond. It’s licensed to provide car insurance to drivers in the following 20 states:

  • Alabama
  • Arizona
  • California
  • Colorado
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Mississippi
  • Missouri
  • Ohio
  • Oklahoma
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia

If you live in one of these states, SafeAuto provides state minimum insurance as well as collision, comprehensive, and full coverage.

Like many companies that offer insurance to high-risk drivers, SafeAuto has a higher-than-average percentage of negative customer reviews. The National Association of Insurance Commissioners gives the company a 5.61 ranking on its company complaint index for auto insurance. The number the NAIC assigns means that the number of complaints about this company is 5.61 times as high as expected for a car insurance company.

How To File a Car Insurance Claim with SafeAuto

The company’s website is set up to make it easy to file from a device, allowing you to make a call or begin the online claims process with the click of a button. If you file online, you can do so at any time. However, if you choose to file by phone, you need to contact the claims department between 8:00 a.m. and 8:00 p.m. (Eastern Standard Time), Monday through Friday, or between 8:00 a.m. and 5:00 p.m. (EST) on Saturday.

When filing, you can save time by ensuring you have the information SafeAuto needs to process your claim. The company requires the following information:

  • Your policy number
  • The name, contact information, and addresses of all individuals involved in the accident
  • Insurance information for other drivers
  • The names of anyone who may have been injured
  • Vehicle year, make, and model for all cars involved in the accident
  • The accident date, time, and location
  • A summary of what happened

The company recommends filing a police report, but it does not require you to submit one with your claim. SafeAuto has an app, but it does not provide an option for filing your claim. However, you can access claim information after you file.

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Does SafeAuto offer any other types of insurance?

It’s often easier to manage your insurance when one company services them all. Having multiple policies with one company can also lower your rates. SafeAuto insurance products include:

  • Motorcycle
  • Boat
  • Recreational Vehicle
  • Renters
  • Homeowners
  • Business property

The company partners with Augeo Benefits to offer health, supplemental, dental, accident, and life insurance. Some of Augeo Benefits products are not available in every state.

Final Thoughts on SafeAuto Insurance

SafeAuto specializes in offering affordable insurance products for high-risk drivers, providing SR-22 and state minimum insurance along with full coverage options. It offers simple claim-filing options, but have received a higher-than-average percentage of customer reviews. Are you ready to see how StateAuto compares to other insurance companies in your area?