Allstate vs American Family Car Insurance

Compare rates from the top car insurance companies in your area.

Location pin icon
Your information is secure.

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

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.

 

Compare Allstate vs. American Family auto insurance rates

 

Allstate vs. American Family: prices by credit level

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.

 

RATES BY CREDIT LEVEL: 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: rates for drivers with bad records

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.

 

HIGH-RISK INSURANCE RATE COMPARISON: 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

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..

 

COMPARING AUTO INSURANCE RATES BY AGE: American Family VS. Allstate
Age bracketAllstate 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 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 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 Questions
Compare MoreAllstate 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. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAAAmerican 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. Safe Auto 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Allstate vs American Family

Chevron left icon
Survey: Americans in the Dark about Car Insurance
Survey: Americans in the Dark about Car Insurance
Oct 24, 2017

“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...

Editorial: A Need for Optionality in Insurance
Editorial: A Need for Optionality in Insurance
Sep 19, 2017

Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...

InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
Aug 28, 2017

Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...

Why Tesla is Opting to Insure Its Own Cars
Why Tesla is Opting to Insure Its Own Cars
Apr 13, 2017

As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

The Strangest Insurance Policies We’ve Ever Heard Of
The Strangest Insurance Policies We’ve Ever Heard Of
Sep 16, 2016

At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...

It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
Jul 05, 2016

Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...

The Absurd Spectrum of Auto Insurance Fraud
The Absurd Spectrum of Auto Insurance Fraud
May 24, 2016

Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...

When Does a Little White Lie Become Insurance Fraud?
When Does a Little White Lie Become Insurance Fraud?
May 09, 2016

In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...

Why Your Auto Insurance Rates Could Be Rising This Year
Why Your Auto Insurance Rates Could Be Rising This Year
Feb 01, 2016

Rate increase? Click to find the cheapest rates on car insurance →   Lower gas prices = more road traffic...

Editorial: A Need for Transparency in Car Insurance
Editorial: A Need for Transparency in Car Insurance
Jan 26, 2016

By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...

Will Insurance Companies Turn to Social Media to Assess Your Risk?
Will Insurance Companies Turn to Social Media to Assess Your Risk?
Oct 21, 2015

In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...

Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Oct 16, 2015

The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....

Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015

Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...

How to Get Car Insurance for Undocumented Citizens
How to Get Car Insurance for Undocumented Citizens
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

Car Insurance Scams: Are You A Target?
Car Insurance Scams: Are You A Target?
Aug 10, 2015

Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....

Insurance Telematics USA 2015: A Conference Looking to the Future
Insurance Telematics USA 2015: A Conference Looking to the Future
Jul 07, 2015

Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....

When Traffic Tickets Cause Insurance Premiums to Rise
When Traffic Tickets Cause Insurance Premiums to Rise
Jun 30, 2015

A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...

Could Your Voting Record Affect Your Car Insurance Rates?
Could Your Voting Record Affect Your Car Insurance Rates?
Jun 12, 2015

Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...

Should Price Optimization Be Illegal?
Should Price Optimization Be Illegal?
Feb 23, 2015

If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...

This Guy Could Revolutionize Insurance Company Reviews
This Guy Could Revolutionize Insurance Company Reviews
Jul 24, 2014

You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...

Chevron right icon