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State Auto vs. SafeAuto Insurance
Which insurance company is right for you? Compare rates, pros & cons, and quotes from State Auto and SafeAuto.
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State Auto vs. SafeAuto: What You Need to Know
In 1921, Robert S. Pein started State Automobile Insurance Company with a borrowed sum of $30,000. Pein wanted to offer an alternative to the high rates other insurers were charging. He also wanted to a better claims settlement process. The company had humble beginnings with a staff of three in a small rented room in downtown Columbus. Pein insisted and his insurance products only be sold through independent agents, a decision that became company policy that is still in effect.
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.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit State Auto Overview and Safe Auto Overview.
State Auto vs. Safe Auto: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with State Auto and Safe Auto. On average, State Auto charges approximately $199.05 per month while Safe Auto comes in at around $257.15 per month. For State Auto, the cheapest state average is Pennsylvania at $163.53 per month and the most expensive is Indiana at $290.35 per month. For Safe Auto, the cheapest state average is Tennessee at $164.54 per month and the most expensive is Louisiana at $443.58 per month.
Average Rate
Average Rate
Average Rate
| State | State Auto | Safe Auto |
|---|---|---|
| Arizona | - | $244.61 |
| Illinois | $209.00 | $273.82 |
| Indiana | $290.35 | $215.33 |
| Kansas | - | $262.18 |
| Kentucky | $206.76 | $267.71 |
| Louisiana | - | $443.58 |
| Missouri | - | $294.35 |
| Oklahoma | - | $313.67 |
| Pennsylvania | $163.53 | $218.26 |
| South Carolina | $183.35 | $268.57 |
| Tennessee | - | $164.54 |
| Texas | $274.12 | $331.60 |
| Wisconsin | $238.45 | - |
State Auto vs. Safe Auto: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that State Auto and Safe Auto typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | State Auto | Safe Auto |
|---|---|---|
| 1 Vehicle | $189.58 | $241.08 |
| 2 Vehicles | $258.48 | $344.30 |
State Auto vs. Safe Auto: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average State Auto charges $203.49 per month and Safe Auto charges $264.36 per month for customers who own their home.
| Own/Rent | State Auto | Safe Auto |
|---|---|---|
| Own | $203.49 | $264.36 |
| Rent | $197.43 | $254.48 |
What is State Auto and SafeAuto Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how State Auto and SafeAuto ranked among the industry ratings.
| Comparison | State Auto | SafeAuto |
|---|---|---|
| Year Founded | 1921 | 1993 |
| Market Share | 1.8% | |
| A.M. Best Rating | A+ | A- |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | |
| NAIC Complaint Index | 1.74 |
State Auto or SafeAuto: Insurance Products Offered
What coverage is available through State Auto and Safeauto? Both insurance companies offer Auto, Commercial, and Home insurance. Additional products from SafeAuto insurance also includes Condo, Farm, Life, Motorcycle, Renters, and SR22/FR44 insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit State Auto and Safe Auto Insurance page.
| Insurance | State Auto | SafeAuto |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Farm Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Renters Insurance | ✔ | |
| SR22/FR44 | ✔ | |
| Umbrella Insurance | ✔ |
State Auto or SafeAuto: Ways To Save
SafeAuto offers a wide range of discounts to its policyholders, including Good Student, Homeowner, and Multi-vehicle discounts. In contrast, State Auto also offers a few discounts that Safeauto doesn’t, including State Auto Start-Up, State Auto Safety 360, and Paid in Full discounts. Start taking advantage of discounts offered by insurance providers like Safeauto and State Auto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| State Auto | SafeAuto |
|---|---|
| Accident Prevention Course | Driver Improvement Course Discounts |
| Anti-theft Device Discount | Good Student Discount |
| Driver Training | Homeowner Discount |
| Good Student Discount | Multi-vehicle Discount |
| Multi-car Discount | New Business Transfer |
| Multi-policy Discount | |
| Paid in Full Discount | |
| State Auto Safety 360 | |
| State Auto Start-Up |
Pros & Cons of State Auto & SafeAuto
Pros
State Auto
- State Auto offers tiers of protection, which simplifies decision-making about coverages based on budget.
SafeAuto
- Affordable state-minimum car insurance.
- R22, SR22A or FR44 as Certificate of Financial Responsibility available.
Cons
State Auto
- The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program.
- Car insurance is only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, and Wisconsin.
SafeAuto
- On average, premiums through SafeAuto cost more than some competitors.
State Auto or SafeAuto Mobile Apps Options
The State Auto telematics app is available for iOS and Android. The State Auto Safety 360 telematics program was designed to keep you safer on the road. You may even earn up to 50% on auto insurance premiums. You may even save 10% for signing up.
The SafeAuto app is available for iOS and Android. This insurance concierge allows you to see your insurance information and pay premiums.
| State Auto Mobile App | ||
|---|---|---|
| iOS | 1.8 | 17 user reviews |
| Android | 2.3 | 25 user reviews |
| SafeAuto Mobile App | ||
|---|---|---|
| iOS | 4.8 | 26.6K user reviews |
| Android | 1.8 | 45 user reviews |
State Auto & SafeAuto Contact Info
| State Auto Contact Info | |
|---|---|
| Address | 518 East Broad Street, Columbus, OH 43215 |
| Phone | 1 (833) 724-3577 |
| Website | https://www.stateauto.com/ |
| https://www.facebook.com/stateauto/ | |
| https://twitter.com/StateAuto | |
| https://www.linkedin.com/company/state-auto-insurance | |
| 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/ | |
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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