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Safeauto vs. Esurance Insurance
Which insurance carrier is right for you? Compare products, rates, and quotes from Safeauto and Esurance.
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Safeauto vs. Esurance: What You Need to Know
SafeAuto is an independently owned property and casualty car insurance carrier based in Columbus, Ohio. Since 1993, SafeAuto has been specializing in providing affordable, state-minimum auto insurance and full comprehensive and collision policies. SafeAuto provides a Certificate of Financial Responsibility (CFR) in the form of an SR22, SR22A or FR44 for customers who need to provide a CFR to a court or state government agency. The company also offers motorcycle, renters, homeowners, business, health, supplemental, dental, accident, life, mechanical repair insurance and more (see full list below). SafeAuto is a leader in direct-to-consumer, minimum-limit coverage across 17 states: Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. The company has service call centers that are open at all hours, every day, including holidays. Customers can also access their insurance information easily using the SafeAuto Insurance Mobile App.
Founded in 1999 and purchased by Allstate in 2011, Esurance has the spirit of a startup but the backing of Allstate as a multiline insurance company with an A+ financial rating. Using state-of-the-art technology, Esurance offers online and mobile services that enable a more efficient payment and claims process. Esurance sells the vehicle and property insurance around the county, and they are still growing. In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace founded Esurance as one of the first insurance companies to sell policies directly to consumers online, without the need for in-person meetings or telephone calls.
Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit Safe Auto Overview and Esurance Overview.
Safe Auto vs. Esurance: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Safe Auto and Esurance. On average, Safe Auto charges approximately $316.06 per month while Esurance comes in at around $185.78 per month. For Safe Auto, the cheapest state average is Arizona at $225.03 per month and the most expensive is Louisiana at $449.07 per month. For Esurance, the cheapest state average is Illinois at $121.03 per month and the most expensive is New York at $344.09 per month.
Average Rate
Average Rate
Average Rate
| State | Safe Auto | Esurance |
|---|---|---|
| Arizona | $225.03 | $134.17 |
| California | - | $127.37 |
| Colorado | - | $231.08 |
| Illinois | $306.05 | $121.03 |
| Indiana | $238.37 | - |
| Kansas | $276.48 | - |
| Kentucky | $302.17 | - |
| Louisiana | $449.07 | - |
| Maryland | - | $312.43 |
| Michigan | - | $321.01 |
| Missouri | $356.80 | - |
| New Jersey | - | $231.06 |
| New York | - | $344.09 |
| Pennsylvania | $256.98 | $194.54 |
| South Carolina | $327.98 | - |
| Texas | $350.97 | $184.90 |
Safe Auto vs. Esurance: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Safe Auto and Esurance typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Safe Auto | Esurance |
|---|---|---|
| 1 Vehicle | $310.10 | $183.54 |
| 2 Vehicles | $426.94 | $257.53 |
Safe Auto vs. Esurance: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Safe Auto charges $320.24 per month and Esurance charges $161.76 per month for customers who own their home.
| Own/Rent | Safe Auto | Esurance |
|---|---|---|
| Own | $320.24 | $161.76 |
| Rent | $315.34 | $188.52 |
What is Safeauto and Esurance Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Safeauto and Esurance ranked among the industry ratings.
| Comparison | Safeauto | Esurance |
|---|---|---|
| Year Founded | 1993 | 1999 |
| Market Share | 1.8% | |
| A.M Best Rating | A- | A+ |
| BBB Rating | A+ | A- |
| Financial Strength | Above Average | |
| NAIC Complaint Index | 1.74 | 1.14 |
| S&P Rating | AA- |
Safeauto or Esurance: Insurance Products Offered
What coverage is available through Safeauto and Esurance? Both insurance companies offer Auto, Commercial, Health, Home, Life, Motorcycle, and Renters Insurance. Additional products from Esurance insurance also includes Condo, Pet, RV, SR22/FR44, and Umbrella Insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Safe Auto and Esurance Insurance page.
| Insurance | Safeauto | Esurance |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Health Insurance | ✔ | ✔ |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | ✔ |
| Pet Insurance | ✔ | |
| Renters Insurance | ✔ | ✔ |
| RV Insurance | ✔ | |
| SR22/FR44 | ✔ | |
| Umbrella Insurance | ✔ |
Safeauto or Esurance: Ways To Save
Safeauto offers a wide range of discounts to its policyholders, including Good Student, Homeowner, and Multi-vehicle discounts. Esurance also offers a few discounts that Safeauto doesn’t including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Esurance and Safeauto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Safeauto | Esurance |
|---|---|
| Driver Improvement Course Discounts | Anti-lock Brakes Discount |
| Good Student Discount | Anti-theft Discount |
| Homeowner Discount | Claim-free Discount |
| Multi-vehicle Discount | Defensive Driver Discount |
| New Business Transfer | Emergency Road Assistance Discount |
| Fast 5 Discount® | |
| Good Driver Discount | |
| Good Student Discount | |
| Homeowners Discount | |
| Multi-car Discount | |
| Multi-policy Discount | |
| Online Shopper® Discount | |
| Paid-in-full Discount | |
| Renters Plus® Discount | |
| Safety Device Discount | |
| Switch & Save® Discount |
Pros & Cons of Safeauto & Esurance
Pros
Safeauto
- Affordable state-minimum car insurance.
- R22, SR22A or FR44 as Certificate of Financial Responsibility available.
Esurance
- Very few complaints from customers.
- It has fewer customer complaints than the industry median, relative to its size.
- Backed by Allstate, a large insurer that is financially sound.
- Esurance is available in most states.
Cons
Safeauto
- On average, premiums through SafeAuto cost more than some competitors.
Esurance
- Does not score very high on the repair process
- Prices are a bit higher than other budget insurers like Progressive and Geico
Safeauto or Esurance Mobile Apps Options
The SafeAuto app is available for iOS and Android. This insurance concierge allows you to see your insurance information and pay premiums.
The Esurance mobile app is available for iOS and Android.
| Safeauto Mobile App | ||
|---|---|---|
| iOS | 4.8 | 26.6K user reviews |
| Android | 1.8 | 45 user reviews |
| Esurance Mobile App | ||
|---|---|---|
| iOS | 4.8 | 1,194 user reviews |
| Android | 4.7 | 8,655 user reviews |
Safeauto & Esurance Contact Info
| Safeauto Contact Info | |
|---|---|
| Address | 4 Easton Oval, Columbus, Ohio 43219 |
| Phone | 1 (614) 456-2940 |
| Website | https://www.safeauto.com |
| https://www.facebook.com/SafeAuto/ | |
| https://twitter.com/safeauto | |
| Youtube | https://www.youtube.com/c/safeauto |
| https://www.linkedin.com/company/safeauto-insurance-company/ | |
| Esurance Contact Info | |
|---|---|
| Address | 650 Davis Street, San Francisco, CA 94111 |
| Phone | 1-800--378-7262 |
| Website | https://www.esurance.com/ |
| https://www.facebook.com/Esurance/ | |
| https://twitter.com/esurance | |
| Youtube | https://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw |
| https://www.linkedin.com/company/esurance/ | |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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