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 insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jul 23, 2021

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Just What's Essential

  • 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.

Allstate vs. American Family Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesAmerican 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
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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.

Allstate vs. American Family Average Annual Rates Based on Driving Record
Driving RecordAllstate Average Annual RatesAmerican Family Average Annual Rates
Clean record$3,819.90$2,693.61
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
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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.

Allstate vs. American Family Average Annual Rates Based on Credit History
Credit HistoryAllstate Average Annual RatesAmerican Family Average Annual Rates
Good$3,859.66$2,691.74
Fair$4,581.16$3,169.53
Poor$6,490.65$4,467.98
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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.

Allstate vs. American Family Available Car Insurance Discounts
Car Insurance DiscountsAllstate (%)American Family (%)
Anti-lock Brakesxx
Anti-Theftxx
Claim Freexx
Continuous Coveragexx
Daytime Running Lightsxx
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appxx
Early Signingxx
Electronic Stability Controlxx
Family LegacyN/Ax
Family PlanN/Ax
Farm VehiclexN/A
Full PaymentN/Ax
Good Creditxx
Good Studentxx
Green VehiclexN/A
Life InsurancexN/A
Low Mileagexx
LoyaltyN/Ax
MilitaryxN/A
Multiple Policies1029
Multiple Vehiclesxx
Newer VehiclexN/A
OccupationxN/A
On-Time PaymentsxN/A
Paperless Documentsxx
Paperless/Auto Billingxx
Passive Restraintxx
Senior DriverxN/A
Students & AlumniN/Ax
Switching ProviderN/Ax
Utility VehiclexN/A
Vehicle Recoveryxx
VolunteerN/Ax
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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.