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Choosing an auto insurance company is complex: companies' rates may vary based on your driving history, location, and age, and every company provides a different set of discounts. Allstate and American Family are two of the most popular insurers, offering competitively priced coverage across most of America.
In an effort to take the sting out of shopping for car insurance, we've gathered average policy prices from American Family and Allstate. The below rates cover a variety of pricing factors, including credit quality, driving history, and age. Check out the below rates and find an affordable policy today.
If you have extremely bad credit, American Family could be the best option for you. On average, American Family offers lower premiums than Allstate for drivers with credit scores of less than 580. Those with exceptional credit — a score of 800 or better — should lean toward Check out typical insurance rates by credit level for American Family and Allstate below.
|Credit level||Allstate avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$3,117||$1,931|
|Very Good (740-799)||$1,820||$1,009|
If you have an at-fault accident, speeding ticket, reckless driving violation, or DWI on your record, American Family could be a better choice than Allstate. Every insurer has different post-violation pricing structures, so don't be afraid to shop around to understand which insurer suits you.
|Citation||Allstate avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$3,006||$1,763|
|At-fault accident (damage > $1,000)||$2,290||$990|
Car insurance companies use age to outline risk potential, pricing premiums accordingly. A car insurance policy is usually most expensive for teen drivers — because of their inexperience — and more affordable for older drivers. Since every insurance company rates age tiers uniquely, it's a smart move to shop around.
As a general rule, teen drivers should choose American Family instead of Allstate: the former's average annual rates are $2,632 less than the latter's..
|Age bracket||Allstate avg. annual premium||American Family avg. annual premium|
Aside from finances, there are myriad pros and cons of both Allstate and American Family, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
|Discount Comparison||Allstate||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Allstate||American Family|
|JD Power Rankings||3 out of 5||4 out of 5|
|Other Products||Allstate||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Allstate||American Family|
|About||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.|
|Roadside Assistance||Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).|
|Additional Discounts||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.||None Available|
|Recent Questions||Do I have to list my spouse as a driver?|
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|Compare More||Allstate vs. 21st Century Allstate vs. Allied Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farm Bureau Mutual Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. North Star Mutual Allstate vs. Progressive Allstate vs. Root Allstate vs. SAFECO Allstate vs. SafeAuto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA||American Family vs. 21st Century American Family vs. Allied American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. SAFECO American Family vs. SafeAuto American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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