American Family vs Safeco: Which is Better for You?

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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.


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.

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.

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.

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.

Discount Comparison American Family Safeco
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System
Air Bags supported
Good Driver supported supported
Defensive Driver supported supported
Student Away at School supported supported
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase supported
Pay in Full supported
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage supported
Ratings Comparison American Family Safeco
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon Above average Average
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products American Family Safeco
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported
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. 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 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 a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional Discounts None Available Safeco 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.
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