American Family vs. Safe Auto Car Insurance Comparison [2024]
When comparing American Family vs. Safe Auto car insurance, American Family comes out on top. American Family Insurance offers more affordable rates than Safe Auto and is also the only one of the two companies that holds a rating from A.M. Best. However, both companies offer numerous discounts to lower your car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Apr 15, 2024
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- American Family Insurance offers more affordable rates than Safe Auto
- Both companies offer a comparable number of discounts
- American Family is the only one rated by A.M. Best
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. Safe Auto today. These companies are both increasingly popular. Customers typically find competitive rates, a streamlined claims process, and positive customer reviews.
Of course, while one company may be cheaper, both companies remain competitive. This tells us many customers are looking at a bigger package. Neither American Family nor Safe Auto are the cheapest insurance companies in the industry in general. Many times, it comes down to referrals from people we know and finding a company we trust. Our American Family vs. Safe Auto car insurance comparison will go over pricing, available discounts, and A.M. Best ratings.
Before we dive into the American Family vs. Safe Auto car insurance comparison, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable car insurance quotes in your area. You can also check out our American family car insurance review for more details about the company.
American Family vs. Safe Auto: Which company has cheaper car insurance rates?
The simplest place to start when pitting two companies together is pricing. Who offers the most competitive rates? If your wallet is tight, even a small price difference could be a major deciding factor. Let’s look at a table that compares insurers’ monthly rates for liability car insurance coverage.
Average Monthly Liability-Only Auto Insurance Rates
| Company | Average 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 |
Read more:
- Ameriprise vs. The Hanover Car Insurance Comparison
- American Family vs. Safeco Car Insurance Comparison
How easy is it to find affordable American Family vs. Safe Auto car insurance quotes? As you can see, basic coverage starts at $65 more per month with Safe Auto. Both companies offer online quote options. You can also contact an insurance agent to run the numbers for you and help you find the right fit. Drivers looking for high-risk car insurance may benefit more in some ways by having a professional on their side, but everybody can benefit by comparing quotes regardless of their driving record.
https://www.youtube.com/watch?v=04SZGS6DdVM
Since we know American Family auto insurance is cheaper, let’s see if it can strengthen its lead when we cover offered discounts.
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American Family vs. Safe Auto: Which company offers better insurance discounts?
Now that we’ve seen what prices you can expect, how can you lower them? More importantly, does either company have enough car insurance discounts to make a significant difference in the rates? Let’s take a look at a table that shows discounts available from major insurers including American Family and Safe Auto.
Car Insurance Discounts Available by Company
| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
Read more:
- Ameriprise vs. USAA Car Insurance Comparison
- American Family vs. Country Financial Car Insurance Comparison
As you can see, American Family offers six of this list’s discounts. This includes a 30% discount for having passive restraint in your vehicle. Does Safe Auto offer more?
Safe Auto offers the same amount of discounts, as it turns out. Included are an anti-lock brakes insurance discount, a daytime running lights discount, a passive restraint discount, and more safety feature discounts.
What’s great is that a lot of these are as easy as typing your American Family login or Safe Auto login information on the respective app. Of course, it takes a little work to check off all these discounts. It also depends on what kind of car you have and other factors. It’s generally not worth it to install new parts just to get a discount. Driver improvement and maintaining a clean driving record are often your best options to get better rates with auto insurance providers. Discounts are just one way to make sure you’re getting the lowest rate for you right now.
Now, let’s wrap up with American Family and Safe Auto car insurance company ratings to see if there is a clear winner.
American Family vs. Safe Auto: Which company is more well-reviewed?
Let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give insurance shoppers confidence in their provider’s ability to meet its financial obligations and payout on insurance claims.
American Family received a rating of “A” (Excellent), which is the second-highest of seven rating tiers. How did Safe Auto fare in comparison? It is not even rated by A.M. Best. This doesn’t mean Safe Auto Insurance can’t provide reliable auto insurance products. It just means they aren’t big enough for A.M. Best to analyze their financial solvency.
In short, American Family has more affordable rates and holds a strong financial rating from A.M. Best. Safe Auto Insurance is a strong contender, but they don’t have the size some feel more comfortable with yet.
We hope you learned all you needed to decide between whether to buy American Family vs. Safe Auto car insurance. Type your ZIP code into our free and helpful tool below for quotes in your area.
American Family vs. Safe Auto: Frequently Asked Questions
What follows is a frequently asked question about Safe Auto car insurance.
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#1 – What is the Safe Auto customer service number?
Reach Safe Auto customer service at 1-(800)-723-3288.
Frequently Asked Questions
Which company, American Family or Safe Auto, offers cheaper car insurance rates?
American Family generally offers more affordable rates compared to Safe Auto.
What car insurance discounts are available with American Family and Safe Auto?
Both American Family and Safe Auto offer various discounts, including safety feature discounts, passive restraint discounts, and more.
What is the customer service number for Safe Auto?
The customer service number for Safe Auto is 1-(800)-723-3288.
Is American Family rated by A.M. Best?
Yes, American Family holds a rating of “A” (Excellent) from A.M. Best.
Does Safe Auto have a financial rating from A.M. Best?
Safe Auto is not currently rated by A.M. Best.