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Commonwealth Insurance Car Insurance Review 2022

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By Reviews.com
Reviewed by Kathleen Flear, Director of Content.
    Motorists who switch to SafeAuto with Jerry save an average of ${annualSaving} per year on car insurance.
    If you’re on the lookout for auto insurance, there’s no need to fill out long forms and field annoying phone calls—despite what you may have heard.
    Jerry is an AI-powered comparison shopping app that will simplify your life by making insurance hunting easy-peasy. Sign-up takes under a minute and then you’ll get to browse competitive quotes, choose the policy that works for you, and finalize it—all without making a single call or filling out any long forms.
    Here are real quotes from Jerry users who switched to SafeAuto:
    Quote DateCar MakeCar Model
    Annual Savings With Jerry
    StateCityNameAge
    November 22, 2022GmcTerrain SLT$1,182TXFort WorthBlanche R.35-44
    November 22, 2022ChevroletMalibu 1Lt$257OHMiddletownTom L.25-34
    November 13, 2022ChevroletMalibu LT$987OHToledoScott J.35-44
    November 9, 2022GmcAcadia SLT-1$1,842OHMansfieldLula G.21-24
    November 7, 2022HondaCr-V LX$280TXFort WorthRalph R.21-24
    Quick look: SafeAuto car insurance
    > | Good for | | -----| | Drivers having difficulty getting insured with other carriers | | Drivers who require an SR-22 form |
    What coverage does SafeAuto offer?
    SafeAuto specializes in providing **minimum insurance to drivers with at-fault convictions** on their record, as well as SR-22 forms. Here’s a rundown of what they offer:
    Most common coverages
    * **Liability insurance**: [Liability insurance](https://getjerry.com/car-insurance/liability-car-insurance) is mandatory in most U.S. states. It includes [bodily injury liability](https://getjerry.com/car-insurance/bodily-injury-liability) and [property damage liability](https://getjerry.com/car-insurance/property-damage-liability), both of which protect other drivers if you cause and are deemed responsible for an accident. * **Comprehensive insurance**: [Comprehensive coverage](https://getjerry.com/car-insurance/comprehensive-insurance) is not required in any state, but you may have to buy it as a condition of leasing or financing your car. This coverage pays for damage that is **not** the result of an accident, such as from extreme weather, theft, or vandalism. * **Collision insurance**: [Collision coverage](https://getjerry.com/car-insurance/collision-insurance) is also optional but might be required if you’re leasing or financing a vehicle. This coverage pays for damage to your car from an accident with another vehicle or stationary object.
    Helpful add-ons
    * **SR-22**: [SR-22](https://getjerry.com/car-insurance/sr22-insurance) is a form filed by an insurer on behalf of a **high-risk** driver, confirming to the state that the driver has the minimum required insurance as mandated by law. * **Roadside assistance**: Also known as [towing and labor coverage](https://getjerry.com/car-insurance/towing-and-labor-coverage), roadside assistance helps if your car needs a tow, jumpstarting a dead battery, winching, fixing flat tires, and more. * **Uninsured/underinsured motorist protection**: [Uninsured/underinsured motorist protection](https://getjerry.com/car-insurance/uninsured-motorist-coverage) reimburses you for costs resulting from an accident caused by an uninsured or underinsured driver. This coverage is critical if you live in a state with a high percentage of uninsured drivers. * **Medical payments coverage**: [MedPay](https://getjerry.com/car-insurance/medical-payments-coverage-medpay) covers medical costs for you and any passengers if you’re hurt in a collision—even if you were responsible. A few states require MedPay, but it’s optional in most. * **Personal injury protection (PIP)**: Similar to MedPay, [PIP](https://getjerry.com/car-insurance/personal-injury-protection ) covers you and any passengers’ medical costs after an accident, as well as any lost wages if you miss work due to the accident. This type of coverage is common in no-fault states. * **Accidental death benefit**: This coverage kicks in if an insured car is involved in a deadly accident. * **Pay-as-you-go**: Available to drivers in Illinois and California (and provided by Hugo), this type of insurance allows drivers to pay a flat fee for insurance only on days they drive. Pay-as-you-go packages can be bought in increments of 3, 7, 14, or 30 days. The coverage can be activated and turned off via SafeAuto’s mobile app or text message. * **Rental reimbursement**: If your car is being repaired after you’ve made a claim, [rental reimbursement](https://getjerry.com/car-insurance/rental-reimbursement-coverage) covers the cost of a rental car until you get your car back.
    How much does SafeAuto auto insurance cost?
    Car insurance from SafeAuto is **relatively affordable in relation to other carriers, especially for drivers considered high risk**.
    The average annual car insurance premium for minimum insurance with SafeAuto is ${annualCostForNotYongAndNoViolationAndBasicTier}. For full coverage, which offers much better financial protection, the average premium is ${annualPremiumForNotYoungAndNoViolationAndPreferredTier}.
    For instance, SafeAuto quoted an 18-year-old driver with an at-fault conviction on their record at a rate that was 20% lower than the industry average. Similarly, the average 30-year-old driver with a blemished driving record also saved with SafeAuto, receiving a quote up to 22% lower than the competition.
    SafeAuto’s rates also tend to rise more slowly than competitors, including bigger providers such as GEICO and Allstate.
    When calculating your insurance rate, insurers assess a variety of metrics—things like the type of car you drive, your driving history, and your personal profile. This means that premiums will vary substantially from one driver to the next.
    Here are the average monthly payments for minimum and full-coverage insurance with SafeAuto:
    ```marksy h(TableCostOfBasicAndPreferredForCarrier) ```
    Typically, younger drivers insured with SafeAuto pay ${annualPremiumForYoungAndNoViolation} per year while older drivers tend to pay lower premiums—an average of ${annualPremiumForNotYoungAndHasViolation} per year.
    Age is an important factor for insurers when setting rates. Statistics show that teenage drivers are almost three times more likely than drivers over 20 to be involved in an accident. Such a risk means they pay far higher rates than the average driver.
    Here’s what drivers pay with SafeAuto based on their age group:
    Age GroupAnnual Cost
    Annual Savings With Jerry
    18-20$2,511$1,032
    21-24$1,930$1,117
    25-34$1,639$865
    35-44$1,479$830
    45-54$1,500$845
    55-64$1,523$815
    65+$1,478$524
    **MORE**: [Why is my car insurance so expensive as a teen with a clean record?](https://getjerry.com/questions/why-is-my-car-insurance-so-expensive-as-a-teen-with-a-clean-record)
    ## Who qualifies?
    SafeAuto offers insurance to motorists of all ages, though, again, they specialize in insuring **high-risk drivers** who have been involved in [recent accidents](https://getjerry.com/car-insurance/how-much-does-your-insurance-go-up-after-an-accident). Such drivers typically have been cited for traffic violations, DUIs, and other infractions, and usually find it harder to get insurance with other carriers
    Here’s the average annual cost of SafeAuto insurance for drivers with an infraction on their record:
    Driving InfractionAnnual Cost
    Annual Savings With Jerry
    Clean Record$1,589$861
    Wrong Way/Wrong Lane$2,218$2,636
    Reckless Driving$1,928$2,324
    Seat Belt$2,491$796
    Open Container$1,877$1,285
    Illegal Turn$2,010$1,087
    Failure to Obey Traffic Sign$2,004$1,069
    Improper Passing$1,755$1,205
    Speeding under 15$1,730$977
    Racing/Drag Racing$1,234$1,466
    Defective Equipment$1,714$980
    Speeding over 15$1,813$819
    Driving on Sus. License$1,887$717
    DUI$1,614$982
    Cell Phone$1,400$1,084
    Careless Driving$1,798$651
    Suspension$1,662$711
    Other$1,831$1,018
    > **Key Takeaway** SafeAuto specializes in insuring drivers with spotty driving records. If you have a clean record, you’ll find more substantial insurance offerings from other providers.
    SafeAuto insurance is available only 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
    As a licensed broker, [Jerry](https://getjerry.com/signup) can help you compare and purchase car insurance no matter where you live. In just 45 seconds, you’ll be browsing through more than 40 competitive quotes from the top insurance providers in the country.
    Once you make your selection, Jerry finalizes all the paperwork *and* cancels your old policy.
    Here’s the average annual cost of SafeAuto insurance in the states it’s available in:
    StateAnnual Cost
    Annual Savings With Jerry
    AZ$1,801$866
    CA$1,513$398
    CO$1,677$2,001
    FL$1,684$1,052
    GA$1,508$628
    ID$2,909$91
    KY$1,068$344
    LA$2,286$1,886
    MS$2,812$32
    NC$2,642$949
    NJ$3,653$247
    NM$1,234$1,188
    NY$2,769$1,963
    OH$1,563$870
    OK$734$250
    OR$2,859$484
    PA$2,042$346
    SC$1,084$1,492
    TN$1,386$1,182
    TX$1,681$934
    VA$1,666$412
    > **Key Takeaway** Using Jerry can help you find the best coverage at the most affordable price, regardless of where you live.
    ### button
    ## Discounts
    SafeAuto offers several discounts to help policyholders reduce their overall car insurance premiums. While the discounts tend to be fairly small by themselves, together they can significantly reduce your overall insurance payments.
    Here are the most common vehicle- and driver-based discounts offered by SafeAuto:
    | Discount | Description | | ----- | ------| | Multiple cars | If you own more than one car, you’ll get a discount if you insure them both with SafeAuto. | | Homeowner | Policyholders who own their home will score a discount on their premium. | | Switching from another provider | If you switch to SafeAuto from another provider, you may receive a discount. | | Driver training | Policyholders 55+ may receive a discounted premium for completing a SafeAuto-approved driver training course. | | Anti-theft | Drivers with an anti-theft device in their car may be eligible for a discount on their premium. | | Driving safely| If you maintain safe driving habits and have no traffic violations, SafeAuto may reward you with a discount. | | Non-owner | You’ll get a discounted rate if you buy car insurance but don’t own your own car. |
    There is only one policy-based discount offered by SafeAuto:
    | Discount | Description | | ----- | ------| | Pay in full | Paying your entire premium in full at the start of the term will net you a discount on your premium. |
    ### button
    ## Additional services
    SafeAuto does offer other types of insurance policies, but they are through **3rd-party providers**:
    * Homeowners (Hippo) * Renters (MSI) * Health (Augeo) * Business (CoverWallet) * Motorcycle (Dairyland)
    ## Things to keep in mind
    ### Payment options
    You can pay your SafeAuto premiums online, through SafeAuto’s app, or via the SafeAuto quick-pay page (you don’t have to set up an online account).
    You can also call a customer service representative at 1-(800)-723-3288. If you’re so inclined, you can send a check to:
    SafeAuto 4 Easton Oval Columbus, Ohio 43219
    ### Cancelation policy
    If you’re canceling your insurance with SafeAuto, call or write to your SafeAuto agent. You may need to pay a $25 cancellation fee, though Jerry can try to help you get a refund for it.
    If you still owe money on your policy when canceling, SafeAuto may refund the unused portion of your policy on a prorated basis.
    ### button
    monthlyCostForNotYongAndNoViolation: $125
    annualCostForNotYongAndNoViolation: $1,505
    annualSaving: $1,076
    monthlyCostForNotYongAndNoViolationAndBasicTier: $96
    annualCostForNotYongAndNoViolationAndBasicTier: $1,149
    monthlyPremiumForNotYoungAndNoViolationAndPreferredTier: $164
    annualPremiumForNotYoungAndNoViolationAndPreferredTier: $1,964
    annualPremiumForYoungAndNoViolation: $1,971
    monthlyPremiumForAgeOver30AndNoViolation: $1,469
    monthlyPremiumForNotYoungAndHasViolation: $142
    annualPremiumForNotYoungAndHasViolation: $1,708

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