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 $222.94 per month while Safe Auto comes in at around $273.81 per month. For State Auto, the cheapest state average is North Dakota at $136.51 per month and the most expensive is Maryland at $271.11 per month. For Safe Auto, the cheapest state average is Tennessee at $159.62 per month and the most expensive is Louisiana at $406.84 per month.

State Auto

Average Rate

$222.94
Safe Auto

Average Rate

$273.81
National

Average Rate

$120.03
State State Auto Safe Auto
Alabama $173.00 -
Arizona- $230.64
Illinois $210.91 $211.74
Indiana $235.89 $199.07
Kansas- $236.12
Kentucky $196.83 $246.53
Louisiana- $406.84
Maryland $271.11 -
Mississippi- $262.54
Missouri- $254.48
North Dakota $136.51 -
Ohio $157.08 -
Oklahoma- $244.69
Pennsylvania $223.91 $288.30
South Carolina $175.28 $283.75
Tennessee $177.33 $159.62
Texas $269.41 $318.45
Utah $193.86 -
Virginia- $175.94
Wisconsin $170.44 -

State Auto vs. Safe Auto: Rates by Number of Vehicle

Home

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 $212.80 $245.00
2 Vehicles $258.87 $367.26
3 Vehicles $379.11 $600.56
4 Vehicles $ $864.79

State Auto vs. Safe Auto: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average State Auto charges $201.38 per month and Safe Auto charges $268.31 per month for customers who own their home.

Own/Rent State Auto Safe Auto
Own $201.38 $268.31
Rent $232.97 $276.56

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.

ComparisonState AutoSafeAuto
Year Founded19211993
Market Share1.8%
A.M. Best RatingA+A-
BBB RatingA+A+
Financial StrengthExcellent
NAIC Complaint Index1.74

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.

InsuranceState AutoSafeAuto
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 AutoSafeAuto
Accident Prevention CourseDriver Improvement Course Discounts
Anti-theft Device DiscountGood Student Discount
Driver TrainingHomeowner Discount
Good Student DiscountMulti-vehicle Discount
Multi-car DiscountNew 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     1.817 user reviews
Android     2.325 user reviews
SafeAuto Mobile App
iOS     4.826.6K user reviews
Android     1.845 user reviews

State Auto & SafeAuto Contact Info

State Auto Contact Info
Address518 East Broad Street, Columbus, OH 43215
Phone1 (833) 724-3577
Websitehttps://www.stateauto.com/
Facebookhttps://www.facebook.com/stateauto/
Twitterhttps://twitter.com/StateAuto
Linkedinhttps://www.linkedin.com/company/state-auto-insurance
SafeAuto Contact Info
Address4 Easton Oval, Columbus, Ohio 43219
Phone1 (614) 456-2940
Websitewww.safeauto.com
Facebookhttps://www.facebook.com/SafeAuto/
Twitterhttps://twitter.com/safeauto
Youtubehttps://www.youtube.com/channel/SafeAuto
Linkedinhttps://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.

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