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Southern Insurance Underwriters, Inc.
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Southern Insurance Underwriters, Inc.
Contact Us
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Personal Auto Insurance

Southern Insurance Underwriters, Inc. (SIU), in partnership with Safeway Insurance Group, offers a competitive Personal Auto Insurance program built for independent agents placing business in Georgia. This non-admitted program gives agents flexible underwriting, practical billing options, and bilingual support to help you place everyday drivers and harder-to-place risks that may not qualify for standard market coverage.
SIU’s program is designed to deliver reliable personal auto solutions for a broad spectrum of insureds — from typical drivers to higher-risk or underserved segments. The product emphasizes straightforward submission guidelines, responsive underwriting, and competitive full-coverage pricing so you can close more business quickly.

Ideal Accounts and Appetite

This program is a strong fit for personal auto clients in Georgia who need coverage outside strict admitted-market guidelines. Typical appetites include:
  • Older vehicles — accepted up to 35 years old
  • Drivers with international or foreign licenses
  • Applicants with limited prior insurance or imperfect driving records
  • Clients who need low down-payment or flexible billing arrangements
Accounts that routinely place well here are those that struggle with underwriting or billing requirements in the standard market. SIU is focused on finding solutions rather than immediately declining marginal risks.

Coverage Highlights and Advantages

SIU’s Personal Auto Insurance program provides several agent-friendly features:
  • Direct Bill option with only 16.7% down — no EFT required
  • Agency Bill available with a 20% down payment option
  • Competitive rates and consideration for drivers with international licenses
  • Bilingual (English/Spanish) underwriting support to assist Spanish-speaking insureds
  • Flexible coverage for older vehicles and other non-standard risk characteristics
These benefits let you offer affordable, practical auto protection to a wider client base while preserving service quality and turnaround.

Underwriting Notes and Minimum Premiums

Underwriting focuses on practical solutions for non-standard personal auto exposures. Minimum premiums vary by risk characteristics and billing method; use the program’s quoting tools and reach out to underwriting for exact minimums for a specific submission. SIU underwriters are available to discuss marginal risks and help structure coverage to fit your client’s needs.

Territories and Availability

This Personal Auto Insurance program is available exclusively in the state of Georgia and operates as a non-admitted market through SIU and Safeway Insurance Group.

Why Work With SIU on Personal Auto Business?

Southern Insurance Underwriters, Inc. is a managing general agency with deep experience in the non-standard personal auto space. By partnering with Safeway Insurance Group, SIU provides a stable market and responsive service for agents who need options beyond admitted carriers. Their bilingual underwriting support, flexible billing choices, and willingness to consider older vehicles and international drivers make SIU a practical market for agents expanding or protecting their personal lines book.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program works well for personal auto clients in Georgia who need coverage for older vehicles, have international licenses, or fall outside standard underwriting guidelines.

Is this program available outside of Georgia?

No, the Personal Auto Insurance program offered through SIU and Safeway is currently only available in the state of Georgia.

Are there flexible billing options for insureds?

Yes, the program offers both Direct Bill (16.7% down, no EFT required) and Agency Bill (20% down) options to accommodate different client needs.

Can I place business for drivers with international licenses?

Yes, the program accepts drivers with international licenses and offers reduced rates for this class of insureds.

Who underwrites this program?

This Personal Auto Insurance program is underwritten by Safeway Insurance Group and managed by Southern Insurance Underwriters, Inc.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A.M. Best Company "A" Rated
  • Commission:
    Varies
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

4500 Mansell Road
Alpharetta, GA 30022
678-498-4500
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Southern Insurance Underwriters, Inc. has other insurance programs like Artisan Contractor Insurance.