Allstate vs. American Family Car Insurance for 2021
When it comes to Allstate vs. American Family, American Family car insurance is cheaper across the board. Allstate received an A+ rating with both A.M. Best and the BBB, while American Family received A ratings. Use the many discounts offered to see if Allstate vs. American Family car insurance is cheaper for you.
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UPDATED: Jul 23, 2021
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- American Family insurance is cheaper on average than Allstate
- Allstate has better A.M. Best and Better Business Bureau ratings than American Family
- Both companies offer various car insurance discounts to lower rates
There are many car insurance companies out there, and deciding which one is best for you can be difficult. We’ll compare Allstate vs. American family car insurance companies head to head to see if either is right for you.
To find the most affordable car insurance with the best ratings, you don’t just have to compare Allstate vs. American Family. Many companies can offer you the coverage you need at a great rate, so shop around before you buy Allstate or American Family car insurance.
Keep reading to compare Allstate vs. American Family car insurance. Enter your ZIP code now to compare free car insurance quotes from multiple companies in your area.
Is Allstate car insurance or American Family car insurance cheaper?
Car insurance companies use many different factors to determine your rates. Some of the most common factors include your age, gender, driving history, and credit score.
All of these factors are used to determine how affordable Allstate vs. American Family car insurance is for you. Rates will be different for every driver.
First, let’s look at Allstate vs. American Family car insurance rates by demographics. This table will show you how much your age, gender, and marital status can affect your rates.
|Age, Gender, and Marital Status||Allstate Average Annual Rates||American Family Average Annual Rates|
|Single 17-year-old female||$3,424.87||$2,288.65|
|Single 17-year-old male||$10,642.53||$8,130.50|
|Single 25-year-old female||$3,424.87||$2,288.65|
|Single 25-year old male||$3,570.93||$2,694.72|
|Married 35-year-old female||$3,156.09||$2,202.70|
|Married 35-year-old male||$3,123.01||$2,224.31|
|Married 60-year-old female||$2,913.37||$1,992.92|
|Married 60-year-old male||$2,990.64||$2,014.38|
American Family insurance is cheaper than Allstate, no matter the age, gender, or marital status.
Another significant factor used to determine your rates is your driving record. You will pay higher rates if you have accidents, tickets, or DUIs on your driving record.
|Driving Record||Allstate Average Annual Rates||American Family Average Annual Rates|
|With 1 accident||$4,987.68||$3,722.75|
|With 1 speeding violation||$4,483.51||$3,025.74|
|With 1 DUI||$6,260.73||$4,330.24|
American Family is also cheaper than Allstate based on your driving history.
You may be surprised to learn that your credit score can also affect your car insurance rates. Car insurance companies believe you are less likely to file a claim and more likely to pay out of pocket for damages if you have a high credit score.
|Credit History||Allstate Average Annual Rates||American Family Average Annual Rates|
American Family is once again the cheapest choice. However, if you have poor credit, you will pay significantly more with both companies.
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Does Allstate or American Family have better car insurance discounts?
You can lower your car insurance rates significantly by adding discounts to your policy. Many companies offer common car insurance discounts, such as multi-car, multi-policy, and good student discounts.
This table shows you the available discounts from Allstate and American Family. If the amount of the discount is known, it is included.
|Car Insurance Discounts||Allstate (%)||American Family (%)|
|Daytime Running Lights||x||x|
|Electronic Stability Control||x||x|
|Students & Alumni||N/A||x|
Both companies offer many discounts. However, some discounts are only offered at one company.
For example, Allstate offers an occupation discount, and American Family does not. On the other hand, American Family offers a full payment discount, and Allstate doesn’t.
“Is American Family or Allstate near me?” Chances are, yes, and you can search each company’s website to find a location.
As you compare Allstate vs. American Family car insurance quotes, ask for any discounts you may be eligible for.
How do Allstate and American Family compare in financial strength and customer satisfaction?
A.M. Best ranks companies based on how financially stable they are. American Family received an A rating, meaning it has an excellent ability to meet financial obligations. Allstate earned an A+ rating, showing it has a superior ability to meet obligations.
Allstate also received an A+ rating from the Better Business Bureau, and American Family received an A. Neither company is accredited.
J.D. Power ranked Allstate and American Family on customer satisfaction, including prices, billing, claims, and what is offered. Allstate ranked average, and American Family ranked above average.
Allstate vs. American Family: The Bottom Line
Both companies offer mobile apps and websites, and customers can use their American Family or Allstate login to access insurance information and pay bills.
You can also use your Allstate and American Family insurance login to access your ID cards when needed.
You can use the websites or apps to file Allstate or American Family insurance claims. You can also speak directly with customer service to file claims.
Allstate and American Family also offer additional coverages, such as accident forgiveness. You can also find American Family and Allstate roadside assistance.
To learn more, read our Allstate car insurance review.
Deciding whether or not to buy Allstate or American Family car insurance can be a difficult decision. To determine if either is right for you, look at rates, discounts, and ratings. You can also compare additional companies to see which one is the best fit.
We hope you learned all you need to know about Allstate and American Family car insurance. Enter your ZIP code to compare free car insurance quotes from several companies near you.