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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UPDATED: Jul 18, 2021
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- 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.
|State||Allstate Average Annual Rates||American Family Average Annual Rates|
|Alabama||$3,311.52||Data Not Available|
|Arkansas||$5,150.03||Data Not Available|
|Arizona||$4,904.10||Data Not Available|
|California||$4,532.96||Data Not Available|
|Connecticut||$5,831.60||Data Not Available|
|District of Columbia||$6,468.92||Data Not Available|
|Delaware||$6,316.06||Data Not Available|
|Florida||$7,440.46||Data Not Available|
|Georgia||$4,210.70||Data Not Available|
|Hawaii||$2,173.49||Data Not Available|
|Kentucky||$7,143.92||Data Not Available|
|Louisiana||$5,998.79||Data Not Available|
|Maine||$3,675.59||Data Not Available|
|Maryland||$5,233.17||Data Not Available|
|Massachusetts||$2,708.53||Data Not Available|
|Michigan||$22,902.59||Data Not Available|
|Mississippi||$4,942.11||Data Not Available|
|Montana||$4,672.10||Data Not Available|
|North Carolina||$7,190.43||Data Not Available|
|New Hampshire||$2,725.01||Data Not Available|
|New Jersey||$5,713.58||Data Not Available|
|New Mexico||$4,200.65||Data Not Available|
|New York||$4,740.97||Data Not Available|
|Oklahoma||$3,718.62||Data Not Available|
|Pennsylvania||$3,984.12||Data Not Available|
|Rhode Island||$4,959.45||Data Not Available|
|South Carolina||$3,903.43||Data Not Available|
|Tennessee||$4,828.85||Data Not Available|
|Virginia||$3,386.80||Data Not Available|
|Vermont||$3,190.38||Data Not Available|
|West Virginia||$3,820.68||Data Not Available|
|Wyoming||$4,373.93||Data Not Available|
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.
|Driving Record||Allstate Average Annual Rates||American Family Average Annual Rates|
|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|
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.
|Age, Gender, and Marital Status||Allstate Average Annual Rates||American 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|
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.
|Credit History Summary||American Family Average Annual Rates||Allstate 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|
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.
|Ratings Website||Allstate Ratings||American Family Ratings|
|Better Business Bureau||A+||A|
|AM Best||A+ (Superior)||A (Excellent)|
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.
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.
|Types of Coverage||Allstate Coverages||American Family Coverages|
|Bodily injury liability||x||x|
|Personal Injury Protection (PIP)||x||x|
|Property damage liability||x||x|
|Uninsured/underinsured bodily injury||x||x|
|Uninsured/underinsured motorist property damage||x||x|
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.
|Discounts||Allstate Discounts Offered||American Family Discounts Offered|
|Daytime Running Lights||x||x|
|Electronic Stability Control||x||x|
|On Time Payments||x|
|Students & Alumni||x|
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!