American Family vs SAFECO Car Insurance

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American Family or Safeco:
Which Company is Best for You?

Choosing an auto insurance company can be complicated: rates vary based on your location, vehicle, and driving record, and every company provides a different set of discounts. American Family and safeco are counted among the most popular insurance companies, offering high-quality policies in most regions.

In an effort to simplify the comparison process, we've gathered average insurance rates from safeco and American Family. The below rates cover a variety of rating factors, including credit rating, driving history, and age. Examine these figures and find an affordable policy today.

Looking for more information? Read our full reviews of American Family and Safeco.


Compare American Family vs. safeco auto insurance rates


American Family vs. safeco: premiums by credit level

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 579 or less. Those with excellent credit — a score of 800 or better — should lean toward American Family, which typically beats safeco by $714 annually. View common insurance rates by credit score for safeco and American Family below.


RATES BY CREDIT LEVEL: safeco VS. American Family
Credit levelAmerican Family avg. annual premiumsafeco avg. annual premium
Very Poor (300-579)$1,931$5,308
Fair (580-669)$1,294$2,716
Good (670-739)$1,220$1,967
Very Good (740-799)$1,009$1,871
Exceptional (800-850)$941$1,655

American Family vs. safeco: rates for drivers with bad records

If you're saddled with an at-fault accident, speeding ticket, reckless driving violation, or DUI on your driving record, American Family could be a better choice than safeco. Each auto insurance company prices policies differently after a violation, so always do your due diligence and compare quotes to figure out which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: safeco VS. American Family
ViolationAmerican Family avg. annual premiumsafeco avg. annual premium
At-fault accident (damage < $1,000)$1,763$2,546
At-fault accident (damage > $1,000)$990$1,969
DUI/DWI$1,857$2,796
Reckless driving$1,857$2,853
Speeding ticket$1,270$2,512

American Family vs. safeco: rates by age

Insurers rely on a driver's age to indicate risk, pricing policies accordingly. Car insurance is typically expensive for teen drivers — thanks to their inexperience — and most affordable for drivers aged 25 or older. Because every auto insurance company evaluates age brackets uniquely, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose American Family over safeco: American Family offers average yearly savings of $3,955, compared to safeco.


AGE BRACKET INSURANCE RATE COMPARISON: safeco VS. American Family
Age bracketAmerican Family avg. annual premiumsafeco avg. annual premium
Teens$3,810$7,765
20s$1,685$2,566
30s$1,101$2,566
40s$1,089$2,128
50s$1,089$1,745
60s$986$1,687

Setting aside cost, American Family and safeco each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonAmerican FamilySafeco
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAmerican FamilySafeco
Financial Strength ExcellentExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A

A+

Other ProductsAmerican FamilySafeco
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAmerican FamilySafeco
AboutAmerican Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.Why customers love us: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust - Safeco Insurance is a proud part of Liberty Mutual Insurance, a Fortune 100 company. Liberty Mutual is rated “A” by A.M. Best Company.
Roadside AssistanceAmerican 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 DiscountsNone AvailableSafeco is a subsidiary of Liberty Mutual and offers claim service 24/7.
Recent QuestionsWhat can I do about fixing incorrect information on my driving record?
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.
If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.
Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.
Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.
See More Questions
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States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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American Family vs SAFECO

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