Safeco vs. American Family Insurance

Which insurance provider is right for you? Compare cost, discounts, and quotes from Safeco and American Family.

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Safeco vs. American Family: What You Need to Know

In 1923, Hawthorne K. Dent founded the General Insurance Company of America. Most insurance activity during that time was taking place in the Northeast, so its Seattle location made “The General” a pioneer not only geographically but also with their competitive prices and great service. Today, however, “the General” is called Safeco, and they offer insurance to people across the country. It was in 1953 that the General Insurance Company of America created a subsidiary called Selective Auto and Fire Insurance Company of America (SAFECO). It was intended to compete with the national companies using computer automation tools, which allowed them to enter the life insurance business. By the end of the 1960s, the company also began offering mutual funds and commercial lines of credit. It became so successful that the changed the name entirely to Safeco. In 1997, Safeco began expanding east by acquiring American States Financial Corporation, doubling its agency in size. They soon became a leading insurer for small to mid-sized businesses. In 2002, the company’s dedication to automated technology helped the company recover from the slump of the late 1990s. In 2004, Safeco sold its life and investment division to refocus on surety bonds and its property and casualty lines of insurance. In 2008, Safeco was bought by Liberty Mutual Insurance Company, a change that allows Safeco to focus solely on personal insurance lines today.

Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit SAFECO Overview and American Family Overview.

SAFECO vs. American Family: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with SAFECO and American Family. On average, SAFECO charges approximately $177.58 per month while American Family comes in at around $152.19 per month. For SAFECO, the cheapest state average is Montana at $60.58 per month and the most expensive is Georgia at $377.71 per month. For American Family, the cheapest state average is Ohio at $91.29 per month and the most expensive is Nevada at $337.59 per month.

SAFECO

Average Rate

$177.58
American Family

Average Rate

$152.19
National

Average Rate

$117.77
State SAFECO American Family
Arizona $98.83 $164.23
Arkansas $126.94 -
California $191.40 -
Colorado $174.48 $198.50
Connecticut $202.09 -
Georgia $377.71 -
Idaho $72.79 $108.67
Illinois $107.32 $179.06
Indiana- $140.05
Iowa $125.43 $102.37
Kansas $218.69 $142.63
Kentucky $162.84 -
Minnesota- $127.33
Mississippi $141.80 -
Missouri $158.28 $152.65
Montana $60.58 -
Nebraska $141.01 $148.33
Nevada $241.22 $337.59
New Hampshire $87.03 -
North Dakota $333.01 $127.54
Ohio $141.86 $91.29
Oregon $211.17 $147.93
South Dakota- $116.86
Tennessee $121.45 -
Utah $148.82 $195.46
Vermont $146.86 -
Washington $163.53 $169.04
West Virginia $113.03 -
Wisconsin $76.81 $98.41
Wyoming $86.14 -

SAFECO vs. American Family: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that SAFECO and American Family typically charge for drivers who have more than 1 vehicle.

Number of Vehicles SAFECO American Family
1 Vehicle $163.80 $140.78
2 Vehicles $221.51 $189.74
3 Vehicles $307.92 $235.58

SAFECO vs. American Family: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average SAFECO charges $168.77 per month and American Family charges $148.67 per month for customers who own their home.

Own/Rent SAFECO American Family
Own $168.77 $148.67
Rent $182.38 $154.35

What is Safeco and American Family Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Safeco and American Family ranked among the industry ratings.

ComparisonSafecoAmerican Family
Year Founded19231927
Market Share1.91%
A.M. Best RatingA
BBB RatingA-A+
Financial StrengthExcellentExcellent
JD Power RankingAbout AverageAbout Average
Moody’s RatingA2
NAIC Complaint Index1.080.64
S&P RatingAA

Safeco or American Family: Insurance Products Offered

What coverage is available through Safeco and American Family? Both insurance companies offer Auto, Commercial, Condo, Home, Motorcycle, Renters, RV, and Umbrella insurance. Additional products from American Family insurance also includes Farm, Health, and Life insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit SAFECO and American Family Insurance page.

InsuranceSafecoAmerican Family
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Safeco or American Family: Ways To Save

American Family offers a wide range of discounts to its policyholders, including Claims-free Pricing, Generational, and Good Student discounts. In contrast, Safeco also offers a few discounts that American Family doesn’t, including Tenture Award, Telematics Reward (Safeco RightTrack), and Teen Safety Rewards discounts. Start taking advantage of discounts offered by insurance providers like American Family and Safeco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

SafecoAmerican Family
Accident ForgivenessAway at School Discount
Accident PreventionClaims-free Pricing
Diminishing DeductibleGenerational Discount
Distant Student DiscountGood Student Discount
Driver Training DiscountKnowYourDrive
Good Student DiscountLoyalty Discount
New Teen RewardMulti-product Discount
Newly Independent DiscountSmart Home Discount
Teen Safety RewardsTeen Safe Driver Discount
Telematics Reward (Safeco RightTrack)Young Volunteer Discount
Tenture Award

Pros & Cons of Safeco & American Family

Pros

Safeco
  • Diminishing deductible can save you money if you’re ever in an accident.
  • Multiple losses, one deductible means that when you bundle, you can save money if an unexpected event damages both your car and home.
  • Safeco had less than the median number of complaints for home insurance, according to the National Association of Insurance Commissioners.
American Family
  • American Family Insurance has 24/7 claim support.
  • With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount of up to 20%.
  • Teen Safe Driver also uses technology to monitor distracted driving and may earn a teen up to 10% in car insurance discounts.
  • The American Family MyAmFam app is very helpful for managing your account.
  • American Family Insurance offers rideshare insurance for Uber and Lyft drivers.

Cons

Safeco
  • Safeco had more than the median number of complaints about auto insurance in 2018.
American Family
  • American Family Insurance only serves 19 states.

Safeco or American Family Mobile Apps Options

The Safeco Insurance mobile app is available for iOS and Android. This insurance concierge gives you access to your policy 24/7. This mobile and tablet friendly app helps you pull up your ID cards, make a payment, manage your policies and file a claim as well as submit accident photos.

The American Family mobile app is available for iOS and Android. Called MyAmFam, the app allows users to manage their insurance policy: Make payments, view coverage and policy details, access digital ID cards, in-app payment reminders, find a repair shop, submit a claim, get roadside assistance and more.

Safeco Mobile App
iOS     4.75.4K user reviews
Android     3.8416 user reviews
American Family Mobile App
iOS     4.830K user reviews
Android     4.43.5K user reviews

Safeco & American Family Contact Info

Safeco Contact Info
Address1400 South Highway Drive, Suite 100, Fenton, MO, 63026
Phone1-888-723-3260
Websitehttps://www.safeco.com
Facebookhttps://www.facebook.com/SafecoInsurance/
Twitterhttps://twitter.com/Safecoinsurance
Youtubehttps://www.youtube.com/Safeco
Linkedinhttps://www.linkedin.com/company/safeco-insurance/
American Family Contact Info
Address6000 American Parkway, Madison, WI 53783
Phone1-800-692-6326
Websitehttps://www.amfam.com/insurance
Facebookhttps://www.facebook.com/amfam/
Twitterhttps://twitter.com/amfam
Youtubehttps://www.youtube.com/user/amfam
Linkedinhttps://www.linkedin.com/company/american-family-insurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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