Omni vs. Safe Auto: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Omni offers less expensive premiums than Safe Auto
• Omni offers cheaper average prices for policyholders who live in rural neighborhoods
• Safe Auto may help you save more money -- they offer more discounts than Omni Insurance

Omni or Safe Auto: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You might have narrowed your search down to Omni or Safe Auto, but which company will offer you less expensive rates?

Looking at nationwide averages, Safe Auto is around $42 more a month than Omni.

But Omni may not be the lowest or best option for every single driver out there. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, where you call home, your driving record, or even your age (among other things), so premiums could vary drastically from person to person.

Luckily, we've broken down average prices from both Omni and Safe Auto by a bunch of different rate factors, so read on to find out which carrier is the best for you.

Omni vs. Safe Auto: Average Car Insurance Rates by State

Omni and Safe Auto only compete against each other in one states, with Omni offering more affordable premiums to the average driver in all of them. Pennsylvania has the most noticable difference, where Omni prices are $58 cheaper than insurance rates at Safe Auto.

That being said, there's a lot more that goes into your auto insurance payment than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group out there on the road. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Safe Auto save almost 6% per month compared to those who use Omni. It's worth noting that Safe Auto offers insurance in 13 different states compared to Omni's two, which can skew the average rates a bit, but the difference here is still considerable.

That being said, with both companies, you'll see your premiums reduce significantly by the time drivers turn 25. For example, average rates for Omni policyholders drop over 70% and Safe Auto's prices decrease more than 50% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest car insurance premiums out there. After all, they've likely been driving for quite some time, which generally reduces their chances of collisions and other infractions that can raise rates.

When looking at Omni and Safe Auto specifically, which company is best for retired drivers? Omni gets the edge, with prices for drivers 65 and older $47 more affordable than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive auto insurance premiums than married policyholders. This usually boils down to married drivers having multiple vehicles on their policy -- something a lot of insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Omni premiums coming in at about 15% less than Safe Auto's. The advantage for married couples with Omni is also obvious, where drivers save nearly 30% a month.

Omni or Safe Auto: Average Rates by Gender

Women typically to pay less for car insurance than men. That's because women are less likely to get speeding tickets and get into accidents, which lowers the chances of filing a claim with insurance.

Women normally pay around $15 per month less than men with Omni, and about $15 cheaper with Safe Auto when compared to their male counterparts.

Looking at overall affordability, Omni offers the lowest average rates for both men and women. On average, women save about $40 a month and men save around $42 with Omni compared to the average Safe Auto policyholder.

Omni vs. Safe Auto: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum liability insurance, Omni has the edge, with average monthly prices coming in at $104. If you want a full coverage policy with the same state minimum limits, Omni again has the edge, with policies averaging about $258 per month to Safe Auto's $320.

Is Omni or Safe Auto Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two carriers offers the most affordable premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Omni for their car insurance can normally expect their monthly bill to go up around 4% after getting a speeding ticket. Safe Auto policyholders can expect a bit more drastic of an increase of about 18%.

However, Omni is generally the cheaper option for drivers both with a ticket and with a clean record -- their rates are around 7% less expensive for drivers with clean records and 20% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Omni can expect to see around an $35 -- or about 17% -- rise in their car insurance rates. Drivers who use Safe Auto for their insurance will see a monthly bill around $66 (or 27%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, the more affordable premiums come from Omni, with average prices coming in at $203 compared to Safe Auto's $246.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. For example, Safe Auto increases average rates by $65 a month -- that's more than a 25% increase.

Omni has the overall cheapest premiums for drivers with a DUI on their records at $178 monthly, but it's worth noting that Safe Auto's average rates come from 13 states compared to just two for Omni, so the data may be skewed slightly.

How does Credit Score Impact Omni and Safe Auto Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it does affect several drivers out there.

The reasoning auto insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

So, which company offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Omni will usually reward you the most. For policyholders with "excellent" credit scores, Omni comes in nearly 13.37 cheaper. Drivers with "good" credit scores typically save about 21% with Omni compared to average prices from Safe Auto.

Which Company is Best for Drivers with Bad Credit?

Omni typically offers lower premiums than Safe Auto when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 20% per month less with Omni compared to Safe Auto, and those with "poor" scores generally save an average of about 19% per month.

Is Omni or Safe Auto Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance cost. That's because the fewer miles you drive, the less likely you are to be in an accident and file an insurance claim.

In this case, neither Omni or Safe Auto report increasing rates for drivers with higher annual mileage figures. Even so, Omni comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average premiums of $181 a month for both.

Omni or Safe Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a substantial impact on your monthly car insurance bill. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer vehicles on the roads where they live.

Omni boasts the cheapest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around 32% with Omni compared to Safe Auto. People who live in suburban areas pay about 28% less with Omni compared to Safe Auto. For drivers in urban ZIP codes, Omni Insurance's average premiums are around 1% less than Safe Auto.

Omni vs. Safe Auto Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Omni and Safe Auto offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Safe Auto has a slight advantage when it comes to total number of discounts. Omni offers a grand total of 13 discounts, while Safe Auto has 14.

Both carriers offer many of the same discounts -- like agency transfer discounts, discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and passive restraint discounts -- but Safe Auto also offers discounts for claim free, driver training, military, and more.

On the other hand, Omni has a few proprietary discounts of their own for things like advance quote discounts, cellphone safety discounts, group discounts, and more.

Final Thoughts: Is Omni or Safe Auto Best for You?

So, we've broken down the average prices for many of the variables auto insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which carrier is the best carrier for you, your vehicle, and your wallet?

Omni might be best for you if....

• Your driving record includes a DUI charge.
• You don't spend much time in your car.

Safe Auto might be best for you if...

• You are considering moving to another state -- Omni Insurance is only available in AL and PA.
• You want to save extra money with discounts.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between Omni and Safe Auto and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from multiple carriers, not just Omni and Safe Auto. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Omni vs. Safe Auto FAQs

Is Omni or Safe Auto cheaper?

Omni is the more affordable of the two carriers when looking at national average rates, with policies averaging $181 per month with Omni and $223 for Safe Auto. That being said, that doesn't mean Omni will be the most affordable company for each policyholder, since there are lots of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Omni or Safe Auto?

Sadly, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Omni and Safe Auto offer me different rates?

Car insurance companies use quite a few different variables when determining the premiums they charge. Things such as your driving record, where you live, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Omni and Safe Auto calculate prices using different factors, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Omni or Safe Auto is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Omni or Safe Auto at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.