Choosing an auto insurance company is sometimes difficult: companies' rates may vary based on your driving record, age, and location, and every company's discounts differ. American Family and Safe Auto are two of the US' most popular insurers, providing affordable coverage in most states.
To simplify the comparison process, we gathered average policy prices from Safe Auto and American Family. These take into consideration a number of pricing factors, including credit rating, driving behavior, and demographics. Check out the below rates and find an affordable policy today.
Looking for more information? Read full-length reviews of American Family and Safe Auto.
If you have very bad credit, American Family could be preferable to American Family. Typically, American Family offers more affordable premiums than Safe Auto for drivers with credit scores of lower than 580. Drivers with outstanding credit — a score of 800 or better — should lean toward American Family, which typically beats Safe Auto by $980 per year. View common insurance rates by credit score for Safe Auto and American Family:
| Credit level | American Family avg. annual premium | Safe Auto avg. annual premium |
| Very Poor (300-579) | $1,931 | $3,799 |
| Fair (580-669) | $1,294 | $2,483 |
| Good (670-739) | $1,220 | $3,358 |
| Very Good (740-799) | $1,009 | $1,937 |
| Exceptional (800-850) | $941 | $1,921 |
If you are saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI on your driving résumé, American Family could be a better choice than Safe Auto. Every insurer prices policies differently after a violation, so it's worth comparing quotes to find out which insurer suits you.
| Violation | 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 |
| DUI/DWI | $1,857 | $2,867 |
| Reckless driving | $1,857 | $2,867 |
| Speeding ticket | $1,270 | $2,738 |
Car insurance companies use a driver's age to estimate risk, pricing policies accordingly. An auto insurance policy is usually expensive for teen drivers — thanks to their inexperience — and most affordable for drivers aged 25 or older. Because every car insurance company rates 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 over Safe Auto: American Family offers average yearly savings of $4,452 versusSafe Auto.
| Age | American Family avg. annual premium | Safe Auto avg. annual premium |
| Teens | $3,810 | $8,262 |
| 20s | $1,685 | $2,764 |
| 30s | $1,101 | $2,764 |
| 40s | $1,089 | $2,053 |
| 50s | $1,089 | $1,862 |
| 60s | $986 | $1,707 |
Costs aside, American Family and Safe Auto 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 Comparison | American Family | Safe Auto |
|---|---|---|
| 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 Comparison | American Family | Safe Auto |
|---|---|---|
| Financial Strength | Excellent | N/A |
| JD Power Rankings | Below average | N/A |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | American Family | Safe Auto |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | American Family | Safe Auto |
|---|---|---|
| About | American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships. | Safe Auto strives 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. |
| Recent Questions | Are some insurance providers better suited to my needs than others to get the best rate? Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle. See More Questions | Should I get full coverage from a less well-known insurer? Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies. Do I pay a deductible for a liability claim?You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible. See More Questions |
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