Ameriprise vs. Safe Auto Car Insurance [2021]

In a comparison of Ameriprise vs. Safe Auto car insurance companies, Ameriprise came out on top. Ameriprise holds a higher rating from A.M. Best and offers far more affordable car insurance rates than Safe Auto. However, when counting Ameriprise vs. Safe Auto car insurance discounts, Ameriprise offers one fewer discount to its insured than Safe Auto.

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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: Jul 19, 2021

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Here's What You Need to Know

  • Ameriprise offers more affordable rates than Safe Auto
  • Ameriprise is more well-reviewed by A.M. Best
  • Safe Auto offers one more discount than Ameriprise

Part of what makes comparing car insurance companies difficult is the sheer number of options on the market. To simplify matters, we’ll be focusing on Ameriprise vs. Safe Auto insurance today.

Our Safe Auto and Ameriprise car insurance review will cover pricing, available discounts, and A.M. Best ratings.

Before we dive into our Ameriprise vs. Safe Auto car insurance rates comparison, type your ZIP code into our free and helpful tool above to find the most affordable car insurance quotes in your area.

Ameriprise vs. Safe Auto: Which company offers more affordable car insurance rates?

The simplest place to start when comparing two companies is pricing. Let’s look at a table that compares annual car insurance rates from companies including Ameriprise and Safe Auto.

Average Annual Car Insurance Rates
CompanyAverage Annual Annual Rates
Ameriprise$1,387
Amica$1,071
State Farm$1,340
Progressive$1,365
Esurance$1,165
Safeco$1,655
Safe Auto$1,921
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How easy is it to find affordable Ameriprise vs. Safe Auto car insurance quotes? As you can see, Ameriprise is over $500 cheaper per year than Safe Auto.

Now that we know Ameriprise offers more affordable rates than Safe Auto, let’s see if the latter offers more discounts to make up for it.

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Ameriprise vs. Safe Auto: Which company offers more discounts?

Now you know what prices you can expect, but how can you lower them? Let’s take a look at a table that shows discounts available from major insurers including Ameriprise and Safe Auto.

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, Ameriprise offers five of this list’s discounts. These include discounts for anti-lock brakes, anti-theft devices, daytime running lights, passive restraint, and vehicle recovery systems.

How many Safe Auto car insurance discounts are there? Safe Auto offers six total discounts. These include an anti-lock brakes insurance discount, daytime running lights, passive restraint, and a discount for owning a newer vehicle.

Fortunately, most of these discounts are accessible via your Ameriprise or Safe Auto login.

Now, let’s wrap up with Safe Auto and Ameriprise reviews to see if there is a clear winner.

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Ameriprise vs. Safe Auto: Which company is more well-reviewed?

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

Ameriprise received a rating of “A+” (Superior), which is the highest of seven rating tiers. How did Safe Auto fare in comparison? It received a lower rating of “A” (Excellent).

In short, our Safe Auto vs. Ameriprise overview has shown us that Ameriprise both holds a higher A.M. Best rating and offers more affordable rates.

We hope we’ve helped you decide whether to buy Ameriprise vs. Safe Auto car insurance. Type your ZIP code into our free and helpful tool below for quotes in your area.

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