American Family vs Safeco: Which is Better 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.

American Family vs. Safeco: 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.

INSURER RATES BY CREDIT SCORE: SAFECO VS. AMERICAN FAMILY

Credit level	American Family avg. annual premium	safeco 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: by citation

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.

INSURER RATES BY VIOLATION: SAFECO VS. AMERICAN FAMILY

Violation	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
DUI/DWI	$1,857	$2,796
Reckless driving	$1,857	$2,853
Speeding ticket	$1,270	$2,512

American Family vs. Safeco: 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.

INSURER RATES BY AGE: SAFECO VS. AMERICAN FAMILY

Age bracket	American Family avg. annual premium	safeco 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.