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?|
If I accidentally drove my car through a neighbor’s fence, will my insurance company pay for the damage?
I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...
How soon am I required to insure a vehicle I bought through a private sale?
My foot slipped on the clutch when I was parked in the street and I damaged my neighbor’s fence. Is ...
What’s the difference between an insurance carrier and an insurance agency?
I just bought my first car and have never had insurance. Do I have to be insured to take the ...
See More Questions
I have a local agent and he talks about the “carriers” that he works with. What is the difference?...
|What can I do about fixing incorrect information on my driving record?|
If my teenager rear ended another car but we aren’t filing a claim, will my insurance rate go up?
I called to get an insurance quote to see if I could get a lower rate and was told there ...
Should I file a claim if my repair cost is $1,500?
My daughter hit a car at a red light. The vehicle is worth less than a $1,000, but we are ...
Can I put my insurance on hold due to temporary disability?
I made a left turn with the flow of traffic and hit a dip; breaking my front suspension on my ...
See More Questions
I am going on disability for about 4 months. The disability check is not enough to pay for my car ...
|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. 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. Progressive American Family vs. Safe Auto 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. Farmers SAFECO vs. Foremost SAFECO vs. GEICO SAFECO vs. Infinity SAFECO vs. Mercury SAFECO vs. MetLife SAFECO vs. Nationwide SAFECO vs. Progressive SAFECO vs. Safe Auto 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|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...