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Deciding on a car insurance company can be difficult: rates vary by driving record, location, and age, and every company provides a different set of discounts. American Family and SAFECO are among the top insurance companies, providing competitively priced coverage across most of America.
In an effort to make shopping for car insurance easier, we've gathered average rates from SAFECO and American Family. These take into account myriad pricing factors, including credit history, driving history, and age. Examine these figures and find an affordable policy today.
If you have extremely bad credit, American Family could be the best option for you. On average, American Family offers lower rates than SAFECO for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should opt for American Family, which typically beats SAFECO by $714 per year. View common insurance rates by credit tier for SAFECO and American Family below.
|Credit level||American Family avg. annual premium||SAFECO avg. annual premium|
|Very Poor (300-579)||$1,931||$5,308|
|Very Good (740-799)||$1,009||$1,871|
If you are saddled with an at-fault crash, speeding ticket, reckless driving violation, or DUI on your driving record, American Family could be a better choice than SAFECO. Every auto insurance company will handle driving offenses differently, so don't hesitate to shop around to find out which insurer is best for you.
|Infraction||American Family avg. annual premium||SAFECO avg. annual premium|
|At-fault accident (damage < $1,000)||$1,763||$2,546|
|At-fault accident (damage > $1,000)||$990||$1,969|
Insurers use a driver's age to indicate risk, assigning rates accordingly. An auto insurance policy is commonly priciest for teen drivers — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Because every auto insurance company evaluates ages differently, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose American Family over SAFECO: American Family offers average yearly savings of $3,955 versusSAFECO.
|Age||American Family avg. annual premium||SAFECO avg. annual premium|
Aside from finances, American Family and SAFECO each come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||American Family||SAFECO|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||American Family||SAFECO|
|JD Power Rankings||4 out of 5||3 out of 5|
|Other Products||American Family||SAFECO|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||American Family||SAFECO|
|About||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.||At Safeco Insurance, we promise to make it easy for you, to provide the coverage you need, to connect you with local agents who offer personal advice, and most important of all - to be there for you when you need us most. When you have a claim, we take care of it. It’s that simple. We’re backed by the financial strength of Liberty Mutual Insurance, ranked on the Fortune 100 list of the largest U.S. corporations. Trust Safeco with your auto investment, today!|
|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).||Safeco offers roadside assistance 24/7 as an option to your policy and includes coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.|
|Additional Discounts||None Available||Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7.|
|Recent Questions||Are some insurance providers better suited to my needs than others to get the best rate?|
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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. SafeAuto 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||SAFECO vs. 21st Century SAFECO vs. Allied SAFECO vs. Allstate SAFECO vs. Amica Mutual Insurance SAFECO vs. Auto Club (AAA) SAFECO vs. Erie SAFECO vs. Esurance SAFECO vs. Farm Bureau Mutual SAFECO vs. Farmers SAFECO vs. Foremost SAFECO vs. GEICO SAFECO vs. Infinity SAFECO vs. Mercury SAFECO vs. MetLife SAFECO vs. Nationwide SAFECO vs. North Star Mutual SAFECO vs. Progressive SAFECO vs. SafeAuto SAFECO vs. State Farm SAFECO vs. The General SAFECO vs. The Hartford SAFECO vs. Titan SAFECO vs. Travelers SAFECO vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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