Allstate vs. American Family: Pros & Cons (2021)

A comparison ofAllstate vs. American Family auto insurance finds options that are similar as they both offer the same coverage choices. Allstate and American Family auto insurance discount options are both numerous, including anti-lock brakes, good student, and claim-free. While Allstate and American Family rates are similar in many states, American Family is not available in all states.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Allstate and American Family both received high ratings from AM Best and the Better Business Bureau.
  • Both companies have similar rates and coverage options.
  • Customer service and policy information can be accessed through Allstate and American Family’s online service options.

When looking for the best auto insurance company, you may find yourself comparing Allstate vs. American Family. Both companies are highly-rated with locations offered all around the United States.

For the most part, American Family offers lower rates. However, Allstate provides more discounts. Understanding auto insurance is important when searching through companies. It’s also important to consider how customers rate each company, which we cover in detail below. 

In the article below, we’ve covered information on Allstate vs. American Family car insurance rates, discounts, services, and more. Read on, then compare rates by using our comparison tool.

Allstate vs. American Family: Comparing Auto Insurance Rates

One of the first things people look at when comparing two auto insurance companies is the rates each company offers. However, there are many factors that every company uses to determine rates. See how Allstate and American Family quotes are determined in the sections below.

Cheapest Auto Insurance by State

The state where you live can play a big part in the cost of your rates, as you can see in the chart below.

Allstate vs. American Family Average Annual Auto Insurance Rates by State
StateAllstate Average Annual RatesAmerican Family Average Annual Rates
Alabama$3,311.52Data Not Available
Arkansas$5,150.03Data Not Available
Arizona$4,904.10Data Not Available
California$4,532.96Data Not Available
Connecticut$5,831.60Data Not Available
District of Columbia$6,468.92Data Not Available
Delaware$6,316.06Data Not Available
Florida$7,440.46Data Not Available
Georgia$4,210.70Data Not Available
Hawaii$2,173.49Data Not Available
Kentucky$7,143.92Data Not Available
Louisiana$5,998.79Data Not Available
Maine$3,675.59Data Not Available
Maryland$5,233.17Data Not Available
Massachusetts$2,708.53Data Not Available
Michigan$22,902.59Data Not Available
Mississippi$4,942.11Data Not Available
Montana$4,672.10Data Not Available
North Carolina$7,190.43Data Not Available
North Dakota$4,669.31$3,812.40
New Hampshire$2,725.01Data Not Available
New Jersey$5,713.58Data Not Available
New Mexico$4,200.65Data Not Available
New York$4,740.97Data Not Available
Oklahoma$3,718.62Data Not Available
Pennsylvania$3,984.12Data Not Available
Rhode Island$4,959.45Data Not Available
South Carolina$3,903.43Data Not Available
South Dakota$4,723.72$4,047.47
Tennessee$4,828.85Data Not Available
Virginia$3,386.80Data Not Available
Vermont$3,190.38Data Not Available
West Virginia$3,820.68Data Not Available
Wyoming$4,373.93Data Not Available
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While data on American Family is not available for many states, the company does have cheaper rates than Allstate in several areas.

Which auto insurance company is cheapest by driving record?

See how just one accident can increase your auto insurance rates in the chart below.

Allstate vs. American Family Average Annual Auto Insurance Rates by Driving Record
Driving RecordAllstate Average Annual RatesAmerican Family Average Annual Rates
Clean Record$3,819.90$2,693.61
With One Accident$4,987.68$3,722.75
With One DUI$6,260.73$4,330.24
With One Speeding Violation$4,483.51$3,025.74
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As you can see, American Family offers lower rates no matter what your driving record is.

Which is cheapest by age and gender?

Both your age and gender can be important factors when determining your car insurance rates.

Allstate vs. American Family Average Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesAmerican Family Average Annual Rates
Married 35-year old female $3156.09 $2,202.70
Married 35-year old male $3123.01 $2,224.31
Married 60-year old female $2913.37 $1,992.92
Married 60-year old male $2990.64 $2,014.38
Single 17-year old female $9282.19 $5,996.50
Single 17-year old male $10642.53 $8,130.50
Single 25-year old female $3424.87 $2,288.65
Single 25-year old male $3570.93 $2,694.72
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In certain states, it is illegal to consider gender when determining rates. These states include Hawaii, Massachusetts, Montana, Pennsylvania, and North Carolina.

Which is cheapest by credit score?

As you can see in the chart below, American Family has better rates for anyone with a low credit score.

Allstate vs. American Family Average Annual Auto Insurance Rates by Credit Score
Credit History SummaryAmerican Family Average Annual RatesAllstate Average Annual Rates
Good Credit (670-739)$2,692$3,859.66
Fair Credit Score (580-669)$3,170$4,581.16
Poor Credit Score (300-579)$4,468$6,490.65
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Depending on the company you go with, your credit score may greatly affect your rates. It is important to do your best to maintain a good credit score if possible. More information on this is covered in an article by the III.

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Allstate vs. American Family: Ratings and Customer Satisfaction

While American Family seems to offer lower rates in most situations, it is also important to consider each company’s financial and customer ratings.

Allstate vs. American Family Financial Ratings

As you will see, both Allstate and American Family received high marks from top financial rating companies, including AM Best and Moody’s.

Allstate vs. American Family Financial Ratings
Ratings WebsiteAllstate RatingsAmerican Family Ratings
Consumer Reports8889
Better Business BureauA+A
AM BestA+ (Superior)A (Excellent)
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While Allstate received the higher AM Best rating, American Family had a higher Consumer Reports score.

How do customers rate them?

Reviews for both American Family and Allstate are mixed and seem to differ greatly depending on where a particular office is located. Allstate and American Family both offer 24/7 customer services as well as convenient online customer support options.

Create an Allstate login or American Family Insurance login to access each company’s online services. American Family and Allstate claims can be made by contacting their customer service. Your Allstate Insurance and American Family Insurance account can also be used to check on your policy.

Our Allstate auto insurance review and American Family auto insurance review provide more information on the customer reviews of both companies.

Allstate vs. American Family: Auto Insurance Coverage and Options

Auto Insurance Coverage Options

It is important to determine your exact car insurance needs before deciding on a company. While both American Family and Allstate offer similar types of coverage, you should contact a local office to find out about any additional options.

Allstate vs. American Family Types of Coverage
Types of CoverageAllstate CoveragesAmerican Family Coverages
Bodily injury liabilityxx
Personal Injury Protection (PIP)xx
Property damage liabilityxx
Uninsured/underinsured bodily injuryxx
Uninsured/underinsured motorist property damagexx
Medical paymentsxx
Roadside assistancexx
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Each company offers the types of coverage included with most full auto insurance policies.

Auto Insurance Discounts

Even though American Family offers lower rates in many situations, Allstate offers plenty of discounts as are listed in the chart below. These discounts can help lower your insurance rates greatly.

Allstate vs. American Family Discounts
DiscountsAllstate Discounts OfferedAmerican Family Discounts Offered
Anti-lock Brakesxx
Daytime Running Lightsxx
Electronic Stability Controlxx
Utility Vehiclex
Vehicle Recoveryxx
VIN Etchingx
Newer Vehiclex
Green Vehiclex
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appxx
Early Signingxx
Family Legacyxx
Family Planxx
Full Paymentxx
Good Studentxx
Low Mileagexx
Multiple Policiesxx
Multiple Vehiclesx
On Time Paymentsx
Paperless Documentsxx
Paperless/Auto Billingxx
Passive Restraintxx
Safe Driverxx
Senior Driverx
Students & Alumnix
Switching Providerx
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Contact your local office to see if you qualify for any of these discounts.

Allstate vs. American Family: Which Company is Best?

If you are looking to buy car insurance and have found yourself comparing Allstate vs. American Family, then it’s important to know that their rates can depend on many factors.

For example, those living in Alaska will likely pay more for American Family, while those living in Colorado may finding higher rates from Allstate.

When trying to choose the right company between Allstate and American Family, the exact needs of your family should be considered. Both companies offer plenty of excellent coverage options.

Affordable Allstate and American Family car insurance can be found. You will want to start by comparing rates from other companies as well. Enter your ZIP code into our comparison tool and start comparing rates today!

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