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Deciding on an auto insurer can be complicated: the rates each insurer offers can vary widely based on your driving history, age, and location, and insurers offer a variety of perks. American Family and Safe Auto are two of the nation's most popular insurance companies, offering competitively priced insurance policies in most regions.
To simplify the comparison process, we have collected typical rates from Safe Auto and American Family. These cover a number of rating factors, including credit, driving infractions, and age. Compare rates and find the perfect policy for you.
If you have very poor credit, American Family could be the best option for you. Typically, American Family offers more affordable rates than Safe Auto for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward American Family, which typically beats Safe Auto by $980 annually. View typical insurance rates by credit tier for Safe Auto and American Family below.
|Credit level||American Family avg. annual premium||Safe Auto avg. annual premium|
|Very Poor (300-579)||$1,931||$3,799|
|Very Good (740-799)||$1,009||$1,937|
If you're saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI in your rear view mirror, American Family could be a better choice than Safe Auto. Every insurance company has different post-violation pricing structures, so always do your due diligence and compare quotes to find out which insurance company suits you.
|Infraction||American Family avg. annual premium||Safe Auto avg. annual premium|
|At-fault accident (damage < $1,000)||$1,763||$2,867|
|At-fault accident (damage > $1,000)||$990||$2,837|
Insurance companies use age as an indicator of potential risk, assigning rates accordingly. An auto insurance policy is commonly most expensive for teens — because of their inexperience — and relatively affordable for drivers aged 25 or older. Because every car insurance company prices age brackets in a different way, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose American Family before Safe Auto: American Family offers average yearly savings of $4,452, compared to Safe Auto.
|Age bracket||American Family avg. annual premium||Safe Auto avg. annual premium|
Aside from finances, American Family and Safe Auto come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||American Family||SafeAuto|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||American Family||SafeAuto|
|JD Power Rankings||4 out of 5||3 out of 5|
|Other Products||American Family||SafeAuto|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||American Family||SafeAuto|
|About||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.||At SafeAuto, we strive to provide affordable insurance to every driver, no matter the situation.|
|Roadside Assistance||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).||Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.|
|Additional Discounts||None Available||Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.|
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|Compare More||American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. SAFECO American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA||SafeAuto vs. 21st Century SafeAuto vs. Allied SafeAuto vs. Allstate SafeAuto vs. Amica Mutual Insurance SafeAuto vs. Auto Club (AAA) SafeAuto vs. Erie SafeAuto vs. Esurance SafeAuto vs. Farm Bureau Mutual SafeAuto vs. Farmers SafeAuto vs. Foremost SafeAuto vs. GEICO SafeAuto vs. Infinity SafeAuto vs. Liberty Mutual SafeAuto vs. Mercury SafeAuto vs. MetLife SafeAuto vs. Nationwide SafeAuto vs. North Star Mutual SafeAuto vs. Progressive SafeAuto vs. SAFECO SafeAuto vs. State Farm SafeAuto vs. The General SafeAuto vs. The Hartford SafeAuto vs. Titan SafeAuto vs. Travelers SafeAuto vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia|
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