American Family vs. Safeco Car Insurance [2021]

In a comparison of American Family vs. Safeco car insurance, Safeco narrowly came out on top. Both companies offer a comparable amount of discounts to policyholders, and both companies hold an identical rating from A.M. Best. However, Safeco Insurance offers more affordable rates than American Family Insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 22, 2021

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Here's What You Need to Know

  • Safeco offers more affordable rates than American Family Insurance
  • Both companies offer the same number of discounts
  • A.M. Best gave the same Financial Strength Rating of “A” to both companies

Part of what makes comparing car insurance companies difficult is the number of options on the market. To simplify matters, we will be focusing on American Family vs. Safeco today.

Our American Family vs. Safeco car insurance review will go over pricing, available discounts, and A.M. Best ratings.

Before we dive into American Family vs. Safeco car insurance company comparison, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable car insurance quotes from companies in your area.

American Family vs. Safeco: Which company offers cheaper car insurance rates?

The simplest place to start when pitting two car insurance companies together is pricing. Let’s look at a table that compares monthly car insurance rates for liability-only coverage.

Average Monthly Liability-Only Auto Insurance Rates
CompanyAverage Monthly Rates, Liability-Only
American Family$50
Ameriprise$110
Esurance$135
MetLife$69
Safe Auto$115
Safeco$40
The General$35
The Hanover$116
The Hartford$45
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How easy is it to find affordable American Family vs. Safeco car insurance quotes? As you can see, basic coverage starts at $10 less per month with Safeco.

Now that we know Safeco is cheaper, let’s see if it can strengthen its lead when we cover offered discounts.

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American Family vs. Safeco: Which company offers more discounts?

Now that we’ve seen what prices you can expect, how can you lower them? Let’s take a look at a table that shows discounts available from major insurers including American Family and Safeco.

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
AAAN/AN/AYesYesYesN/AN/AN/AN/AYesYesN/AYes
AllstateN/AN/A10%10%2%2%N/A10%N/A30%30%N/A10%
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
AmeripriseN/AN/A3%3%YesN/AN/AN/AN/AN/A3%N/A5%
AmicaYesN/A5%25%N/A5%8%N/AN/AN/A30%N/A10%
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
EsuranceN/AN/A5%25%YesN/AN/AYesN/AYes33%Yes25%
FarmersYesN/AYesYesYesYesN/A5%N/AYesYesYesYes
GeicoN/AN/A5%25%1%N/AN/AN/AN/AYes40%N/A25%
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
MetLifeYesYes5%10%5%YesYesN/AYesYes5%10%10%
NationwideYesYes5%25%5%YesYesN/AYesYes20%Yes25%
ProgressiveYesYesYesYesYesYesYesN/AYesYesYesYesYes
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
SafecoN/AN/AYesYesN/AN/AN/AN/AN/AYes2%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
TravelersN/AN/AYesYesYesN/AN/A10%N/A10%YesYesYes
USAAN/AN/AYesYesYesN/AN/AN/AN/A12%YesYesYes
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As you can see, American Family auto insurance offers six of this list’s discounts. This includes a 30% discount for having passive restraint in your vehicle. Does Safeco offer more?

Safeco Insurance also offers six discounts. Included are discounts for anti-theft devices, newer vehicles, VIN etching, and an anti-lock brakes insurance discount.

What’s great is that a lot of these are as easy as typing your American Family login information on the app.

Now, let’s wrap up with American Family and Safeco insurance reviews to see if there is a clear winner.

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American Family vs. Safeco: Which company is more well-reviewed?

To wrap up, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give consumers confidence in an insurer’s ability to meet its financial obligations.

American Family received a rating of “A” (Excellent), which is the second-highest of seven rating tiers. How did Safeco fare in comparison? As it turns out, Safeco received an identical rating.

In short, Safeco offers more affordable rates but the companies are tied when it comes to the number of offered discounts and A.M. Best rating.

We hope you learned all you needed to decide between whether to buy American Family vs. Safeco car insurance. Type your ZIP code into our free and helpful tool below for quotes in your area.

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Average Monthly Car Insurance Rates by State