Full Coverage
Combines liability, collision, and comprehensive protection. The most complete way to protect your car against accidents, theft, and weather damage.
Same-day coverage available
Auto insurance for every kind of driver.
Full coverage, liability, SR-22, no license OK, rideshare, motorcycle, and Mexico — we shop 40+ carriers to find you the best price. Bilingual agents, same-day coverage, walk in and drive out covered.
Same-day coverage
Walk in, drive out covered
No license OK
Any country's license accepted
SR-22 filings
Same-day filing available
Bilingual service
English & Español
Coverage options
If it has wheels, we can insure it.
From basic liability to full coverage — we have a policy that fits your situation and your budget.
Liability Only
The minimum coverage required by California law. Protects you from costs if you injure others or damage their property in an accident.
SR-22 Insurance
If you've had a DUI, suspended license, or major violation, we file your SR-22 the same day so you can get back on the road fast.
No License Required
Don't have a US license? No problem. We insure drivers with foreign licenses, matrícula consular, or no license at all.
Rideshare Coverage
Drive for Uber, Lyft, or DoorDash? Our rideshare endorsements close the coverage gap when your personal policy isn't enough.
Mexico Auto Insurance
Heading south of the border? Mexican auto insurance is required by law. Get covered before you cross — by the day, week, or year.
Motorcycle Insurance
Get on the road with confidence. Liability, collision, and comprehensive coverage for bikes of all sizes.
Commercial Auto
For business vehicles, fleets, delivery trucks, and contractor vans. Custom coverage that scales with your business.
Why Safer
Save hundreds with the right policy.
We have access to quote, compare, and choose from over 40 insurance companies. That means we find the best coverage at the lowest rate in the market — not just the first quote that comes up.
- 40+ carriers compared — we shop on your behalf, not the other way around.
- Flexible payment plans — monthly, quarterly, or annual to fit your cash flow.
- Same-day coverage — walk into any of our 6 offices and drive out covered.
- Exclusive discounts — bundles, safe drivers, students, military, and more.
$500+
Average annual savings
Many of our clients save hundreds — sometimes thousands — by switching to Safer. We don't just match rates, we beat them.
Discounts
Save more with our auto insurance discounts
Protecting your vehicle should also protect your wallet. Ask about every discount you may qualify for.
Multi-Vehicle
Save when you insure more than one car with us.
Good Driver
Rewards for keeping a clean driving record over the years.
Bundling
Combine auto with home, renters, or other policies for extra savings.
Good Student
Discounts for students who maintain good grades in school.
Safe Vehicle
Lower rates for cars equipped with airbags and safety features.
Military & First Responder
Exclusive savings to honor your service to our community.
No one is refused
Everyone deserves to be insured.
We insure any driver — regardless of your DMV record, license status, or country of origin. Whatever your situation, we have a policy for you.
DUI on your record
Past accidents or tickets
Suspended license
Any country's license
Matrícula consular
No license? Still OK
Trusted carriers
40+ top-rated insurance partners
We work with the most trusted auto insurance companies in California to bring you the best coverage and prices.
Infinity
Aspire General
Reliant General
Mercury
Bristol West
Travelers
Safeco
The Hartford
Nationwide
Also worth considering
Other services you may need
Beyond personal auto, we have you covered for every kind of vehicle and situation.
Commercial Auto
Insurance for business vehicles, fleets, delivery trucks, contractors, and ride-shares.
Learn moreGoing to Mexico?
Mexican auto insurance is required by law. Get covered before you cross — daily, weekly, or annual.
Get Mexico coverageInstant DMV Services
Skip the DMV line. Registration renewals, title transfers, and tags handled on the spot.
See all DMV services
Frequently asked
Auto insurance questions, answered
Got more questions? Call us at (619) 428-1333 or visit any of our 6 locations.
What is covered under auto insurance?
Auto insurance typically covers liability (injury and property damage to others), collision (damage to your vehicle from an accident), and comprehensive (non-collision-related incidents such as theft, vandalism, or natural disasters). You can also add roadside assistance, uninsured motorist protection, and rental car reimbursement.
Do I need full coverage auto insurance?
"Full coverage" refers to a combination of liability, collision, and comprehensive insurance. While not legally required, it's highly recommended if you want broad protection. If you're leasing or financing your car, your lender almost always requires it.
What factors affect my auto insurance premium?
Your premium is affected by your driving history, vehicle type, age, ZIP code, and the coverage you choose. Discounts may apply for clean driving records, defensive driving courses, bundling, good students, and more — ask us which ones you qualify for.
Is auto insurance required by law in California?
Yes. California currently requires minimum liability limits of 30/60/15 — $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage. These minimums are very low for real-world claims, so we recommend higher limits to truly protect your assets.
What is an SR-22 and do I need one?
An SR-22 is a certificate filed by your insurance company with the California DMV proving you carry the state-required minimum liability coverage. It's typically required after a DUI, suspended license, repeat tickets, or driving without insurance. We can file SR-22s the same day in most cases.
Can I get insured without a driver's license?
Yes. We offer policies for drivers with foreign licenses, matrícula consular, or no license at all. We work with carriers that accept a wider range of clients than standard insurers — call us to see what's available for your specific situation.
What should I do if I get into an accident?
First, make sure everyone is safe and call the authorities. Exchange information with the other driver and gather evidence (photos of damage, witness contacts). Then contact our office at (619) 428-1333 as soon as possible — we'll help you start the claims process with your carrier.
Ready to be Safer?
Walk into any of our 6 locations or call us — we'll have you covered today.
