Ameriprise vs. Safeco Car Insurance [2021]

In a comparison of Ameriprise vs. Safeco car insurance insurance companies, Ameriprise came out on top. Ameriprise holds a higher rating from A.M. Best than Safeco. Between Ameriprise and Safeco car insurance rates, Ameriprise's are far more affordable. However, Ameriprise offers one fewer discount to its insured than Safeco.

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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 far more affordable rates than Safeco Auto Insurance
  • Ameriprise offers one fewer discount than Safeco Insurance
  • A.M. Best gave a higher rating to Ameriprise

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

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

Before we dive into our Ameriprise vs. Safeco 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. Safeco: 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 Safeco.

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. Safeco car insurance quotes? As you can see in our Ameriprise and Safeco price comparison, Safeco is $268 more expensive per year than Ameriprise.

Now that we know Ameriprise offers far more affordable rates than Safeco, let’s see if the companies’ discounts can balance the scale.

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Ameriprise vs. Safeco: Which company offers more discounts?

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

How many Safeco car insurance discounts are there? Safeco offers six total discounts. These include discounts for anti-lock brakes, anti-theft devices, passive restraint, and owning a newer vehicle.

To wrap up, let’s analyze Safeco and Ameriprise reviews to see if there is a clear winner.

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

To close out the comparison, 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 Safeco fare in comparison? It received a lower rating of “A” (Excellent).

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

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

Frequently Asked Questions: Ameriprise vs. Safeco Car Insurance [2021]

What follows are a few commonly asked questions about these two companies.

#1 – What is the Safeco glass claims phone number?

The phone number to file a claim on damaged glass is (800) 332-3226.

#2 – How many Ameriprise locations are there?

The company operates in 19 states, so they very well may sell insurance near you.

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Average Monthly Car Insurance Rates by State