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.
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|
|Very Good (740-799)||$1,009||$1,937|
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|
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|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||American Family||Safe Auto|
|JD Power Rankings|
|Other Products||American Family||Safe Auto|
|Travel Trailer 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||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.Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.See More Questions
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