Allstate vs American Family Car Insurance

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Allstate or American Family:
Which Company is Best for You?

Choosing a car insurance company can be tough: every company's rates differ based on your location, vehicle, and driving record, and every company's discounts vary. Allstate and American Family are two of the nation's most popular auto insurance companies, providing affordable coverage across large swaths of the US.

In an effort to take the sting out of shopping for car insurance, we gathered typical costs from American Family and Allstate. The below rates cover a variety of rating factors, including credit, driving infractions, and age. Examine these figures and find an affordable policy today.

Looking for in-depth analysis? Consult our comprehensive reviews of Allstate and American Family.


Compare Allstate vs. American Family auto insurance rates


Allstate vs. American Family: premiums by credit level

If you have very bad credit, American Family could be the way to go. On average, American Family offers more affordable prices than Allstate for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should favor Check out typical insurance rates by credit tier for American Family and Allstate:


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: American Family VS. Allstate
Credit levelAllstate avg. annual premiumAmerican Family avg. annual premium
Very Poor (300-579)$3,117$1,931
Fair (580-669)$2,162$1,294
Good (670-739)$2,021$1,220
Very Good (740-799)$1,820$1,009
Exceptional (800-850)$1,743$941

Allstate vs. American Family: costs for high-risk drivers

If you are carrying an at-fault accident, speeding ticket, reckless driving violation, or DUI on your driving record, American Family could be a better choice than Allstate. Every auto insurance company enacts rate penalties differently, so it's worth comparing quotes to understand which insurer is best for you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: American Family VS. Allstate
CitationAllstate avg. annual premiumAmerican Family avg. annual premium
At-fault accident (damage < $1,000)$3,006$1,763
At-fault accident (damage > $1,000)$2,290$990
DUI/DWI$3,637$1,857
Reckless driving$3,388$1,857
Speeding ticket$2,256$1,270

Allstate vs. American Family: rates by age bracket

Insurers use a driver's age as an indicator of potential risk, assigning rates accordingly. An insurance policy is usually expensive for teens — because of their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company rates age tiers in a different way, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose American Family over Allstate: the former's average annual rates are $2,632 less than the latter's..


RATES BY AGE: American Family VS. Allstate
AgeAllstate avg. annual premiumAmerican Family avg. annual premium
Teens$6,442$3,810
20s$2,636$1,685
30s$1,920$1,685
40s$1,912$1,089
50s$1,893$1,089
60s$1,768$986

Aside from affordability, Allstate and American Family each have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonAllstateAmerican Family
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAllstateAmerican Family
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A

Other ProductsAllstateAmerican Family
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAllstateAmerican Family
AboutAllstate 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 AssistanceEvery 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 DiscountsAllstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.None Available
Recent QuestionsDo I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.
Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.
See More Questions
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States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Allstate vs American Family

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