American States Preferred Auto Insurance Review (2026)

Who is American States Insurance Company? American States Preferred Insurance Company is a property and casualty underwriter based in Indianapolis, Indiana. The company was originally established in 1926.

American States Preferred was acquired by Safeco in 1997 and now operates as a wholly-owned subsidiary.

Currently, Safeco’s American States Insurance Company does their only line of business an underwriter for Safeco branded policies.

If you’re looking for affordable American car insurance insurance rates you can get a leg up now by entering your ZIP code below.

What You Should Know About American States Insurance Company

Safeco lists the official address of American States Preferred Insurance as the Indianapolis address listed above.

However, other records point back to Safeco’s corporate headquarters as the main address for the company.

For your general information, we have listed the Safeco address and phone number of the corporate headquarters below:

Safeco Insurance Company of America
1001 4th Avenue
Seattle, WA 98154
Toll-free: 800-332-3226

Does American States Preferred have agents?

As one of the largest providers of personal insurance products in the United States, Safeco and its subsidiaries, like American States Preferred, partner with thousands of independent agents and brokers throughout the country.

These agents are experts in their fields and are able to advise customers on the best types of insurance coverage for their individual needs when looking for a policy.

Safeco says they utilize independent agents because they believe the independent nature of local agents allows them to give more honest and trustworthy advice.

Independent agents generally represent multiple companies for each line of insurance they sell. So for automobile insurance, an agent may represent Safeco as well as five or six other companies.

In the long run, doing business this way provides for a better working relationship between customer and insurance provider and keeps policy costs lower.

The Safeco website provides an agent locator tool, which is used by entering your zip code. If you prefer a more specified search you can input your full address or search for a specific agency name. For example, you can search for “Safeco Insurance Company of America, Seattle, WA,”  “American States Preferred Insurance Company, Maryland,” or “American States Insurance Company, New York.”

The search engine returns results within a certain radius of your location complete with names, addresses, phone numbers, and e-mail addresses.

American States Insurance Company Insurance Rates Breakdown

Safeco provides three methods by which consumers can receive quotes.

1. The first and most recommended is to contact an independent Safeco agent. Local agents are fully knowledgeable in local and state regulations and any other specific conditions that might affect your auto policy.
2. The second method is to use the automated online quote tool found on the Safeco website. This tool involves several steps whereby information is collected about you, your car, and your driving habits. Upon completion of the survey questions, the quote tool will return to you an estimated cost.
3. The third option is to contact Safeco directly using a toll-free phone number provided on their website. You’ll be asked a series of questions very similar to the online tool, plus some more specific ones that will help produce a more accurate policy price.

How can I file an American States Preferred claim?

When wanting to file American States Insurance claims, you may not need to use the American States Insurance Company claims phone number. Safeco has different claims procedures for damages for each of their various types of coverage, so keep reading before you try to contact the Safeco claims department number.

For auto policy claims, they recommend that you called their toll-free claim number as soon as possible after being involved in an accident. They operate a 24-hour claims center staffed with knowledgeable representatives to assist you every step of the way.

Safeco recommends that customers call the claims hotline even if they believe their damages will cost less to fix than their deductible.

Customers do have the option of calling their local independent agent for claims of service as well. However, most local agents do not maintain office hours 24 hours a day, making it impossible to reach them after normal business hours even if you use the Safeco car insurance claims phone number.

In any event, even if you are successful in contacting your local agent, you will still have to deal with the corporate claims department at some point during the process, so you may decide to try to use the Safeco insurance auto claims phone number as your first option.

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