American Family vs. Safeco

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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.

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
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 bracketAmerican Family avg. annual premiumsafeco avg. annual premium

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
New Vehicle
Annual Mileage
Ratings ComparisonAmerican FamilySafeco
Financial Strength ExcellentExcellent
JD Power Rankings Below averageBelow average
User Satisfaction 4.3/54.3/5
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 Safeco: 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 proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best 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 a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional DiscountsNone AvailableSafeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service.
Recent QuestionsShould I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
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