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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Mar 24, 2022

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Just What's Essential

  • American Family and Farmers car insurance both offer competitive rates
  • Comparing American Family vs. Farmers car insurance rates can help you save money
  • Your rates will vary with each company based on several factors
  • Discounts from American Family or Farmers car insurance can help drastically reduce your rates

When you start looking into car insurance companies, you may be wondering which company is superior, American Family Insurance or Farmers car insurance. Sure, you can check out the Farmers insurance reviews the BBB (Better Business Bureau) has to offer, but there is so much more than that.

Both companies offer competitive rates, various discounts, and high customer satisfaction ratings.

If you are looking at affordable car insurance options and comparing American Family vs. Farmers, you will quickly see that not all car insurance companies are created equal. Finding a company that covers all of your insurance needs saves money and makes handling claims more convenient.

When choosing a car insurance company, you need to know how the base rates are determined and what discounts are available. Obviously, the more discounts you can get, the more affordable your American Family or Farmers car insurance rates will be.

Read on to learn about the differences between American Family and Farmers car insurance. Enter your ZIP code to see free quotes from multiple companies in your area.

Does American Family or Farmers offer better rates?

This is not a simple question. Your car insurance rates are determined based on the insurance company’s determination of your risk level. They base your risk profile on many factors, including your:

  • Driving record
  • Age
  • Location
  • Annual mileage
  • Number of claims
  • Credit history
  • Education level

Once your risk level is set, your base rates without discounts will be determined. Let’s look at some rates from American Family and Farmers for a variety of driving situations.

American Family vs. Farmers Car Insurance Rates by Age

Your age will play a fairly big role in determining your car insurance rates. Typically, for those under 25 years old, rates will be higher. This is because drivers under 25 are less experienced and more likely to be involved in an accident.

Take a look at what your rates may be for American Family and Farmers car insurance based on how old you are.

American Family vs. Farmers Average Monthly Rates by Age
AgeAmerican Family Average Monthly PremiumFarmers Average Monthly Premium
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Overall, regardless of age, American Family offers slightly cheaper rates. This is especially true when it comes to determining who has the best car insurance rates for teenagers.

American Family vs. Farmers Car Insurance Rates for High-Risk Drivers

You may be considered a high-risk driver if you have at-fault accidents, reckless driving violations, multiple tickets, or a DUI on your driving record. Both American Family and Farmers will offer high-risk car insurance coverage. However, the cost varies.

Here is a look at different infractions and what they may cost you.

American Family vs. Farmers Car Insurance Rates by Driving History
Citation TypeAmerican Family Average Monthly PremiumFarmers Average Monthly Premium
At-fault accident with less than $1,000 damage$82.50$141.58
At-fault accident with more than $1,000 damage$146.92$194.50
Speeding Ticket$105.83$170.42
Reckless Driving$154.75$386.33
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As you can see, as a high-risk driver, American Family is going to offer slightly better base rates. However, looking into discounts from both companies will give you a better idea of your actual rates.

Now that we’ve looked at how different factors can affect your car insurance, it’s time to move on and check out what else these two companies have to offer.

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What discounts are available when looking at American Family vs. Farmers?

Whether looking at the American Family or Farmers car insurance company, discounts are probably on your mind. Obviously, the more discounts you can claim, the more money you will save.

While both companies offer a decent number of discounts, there are some differences between them. Here is a quick comparison of the discounts that American Family and Farmers car insurance has to offer.

Available Discounts from American Family and Farmers Car Insurance Companies
DiscountAmerican FamilyFarmers
Good StudentYesYes
Anti-Theft DevicesNoYes
Air BagYesYes
Anti-Lock BrakesNoYes
Defensive DriverYesNo
Good DriverYesYes
Driver's TrainingNoNo
Student Away at SchoolYesYes
Green VehicleNoYes
Advanced PurchaseYesNo
Home OwnerNoYes
Know Your DriveYesNo
Low Annual MileageYesNo
Auto PayYesYes
Paid in FullNoYes
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You probably will not qualify for all discounts, so think about which company offers more discounts that apply to your situation.

Does American Family or Farmers car insurance offer a mobile app?

In today’s world pretty much everyone wants mobile access to all the important parts of their life. This includes car insurance. If you’re wondering, “Is there American Family insurance near me?” there’s an app to help you find out.

While both American Family and Farmers offer an app, you can do more on the American Family mobile app. Whether you’re looking for the American Family insurance phone number or working through the American Family claims process, you can do it all on the app.

The Farmers app does have some self-service features, but does not have quite as much to offer as the American Family car insurance app. You may be better off getting on your computer and working from the online Farmers insurance dashboard. You are able to get an insurance quote from both mobile apps.

What other products are offered by American Family and Farmers?

Once you figure out which company can save you the most money on your car insurance, you may start to wonder if there are other products that you may be able to save money on.

From Farmers insurance motorcycle coverage to homeowners insurance, both companies offer a wide range of products to suit your life and needs. Here are some of the products you can buy from American Family or Farmers car insurance.

American Family vs. Farmers Other Products Offered
ProductsAmerican FamilyFarmers
Condo InsuranceYesYes
Boat InsuranceYesYes
RV InsuranceYesYes
Life InsuranceYesYes
Homeowners InsuranceYes Yes
Renters InsuranceYesYes
Travel Trailer InsuranceYesYes
Mobile Home InsuranceYesYes
Motorcycle InsuranceYesYes
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The Bottom Line

As you can see, regardless of what your insurance needs are, both of these companies offer a wide selection of insurance options and coverages. Moving all of your insurance products to one company can save you a lot on your overall insurance costs. 

* Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

To compare in more detail, read the full Farmers car insurance review and learn more about programs like American Family KnowYourDrive.

Hopefully, we have helped you decide whether to buy American Family Insurance or Farmers car insurance. Enter your ZIP code and compare free quotes from companies near you.