American Family vs. Safe Auto Car Insurance [2022]

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 22, 2022

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Here's What You Need to Know

  • 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 review 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.

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-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. 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. High-risk drivers 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.

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 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
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 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, daytime running lights, passive restraint, 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.

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