Selecting an auto insurer is complex: companies' rates vary by driving record, age, and location, and every company's discounts differ. American Family and Allied are two of the top insurance companies, offering competitively priced policies in most American states.
In an effort to take the sting out of shopping for car insurance, we have gathered average costs from Allied and American Family. The below cover a variety of pricing components, including credit score, driving record, and age. Compare rates and find an affordable policy today.
If you have very poor credit, Allied could be the best option for you. On average, Allied offers more affordable rates than American Family for drivers with credit scores of less than 580. Those with excellent credit — a score of 800 or higher — should opt for View common insurance rates by credit tier for Allied and American Family below.
|Credit score||American Family avg. annual premium||Allied avg. annual premium|
|Very Poor (300-579)||$1,931||$1,483|
|Very Good (740-799)||$1,009||$920|
If you have an at-fault accident, speeding violation, reckless driving violation, or DUI in your rear view mirror, Allied could be a better choice than American Family. Each auto insurance company has different post-violation pricing structures, so don't hesitate to shop around to understand which insurance company suits you.
|Infraction||American Family avg. annual premium||Allied avg. annual premium|
|At-fault accident (damage < $1,000)||$1,763||$1,662|
|At-fault accident (damage > $1,000)||$990||$1,221|
Insurance companies use a driver's age to outline risk potential, pricing policies accordingly. Insurance is typically expensive for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every auto insurance company evaluates ages differently, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose Allied over American Family: the former's average annual rates are $284 less than the latter's..
|Age bracket||American Family avg. annual premium||Allied avg. annual premium|
Cost aside, American Family and Allied both have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||American Family||Allied|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||American Family||Allied|
|JD Power Rankings||4 out of 5||3 out of 5|
|Other Products||American Family||Allied|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||American Family||Allied|
|About||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.||Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.|
|Roadside Assistance||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).||Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.|
|Additional Discounts||None Available||Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.|
|Recent Questions||Are some insurance providers better suited to my needs than others to get the best rate?|
If I accidentally drove my car through a neighbor’s fence, will my insurance company pay for the damage?
I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...
How soon am I required to insure a vehicle I bought through a private sale?
My foot slipped on the clutch when I was parked in the street and I damaged my neighbor’s fence. Is ...
What’s the difference between an insurance carrier and an insurance agency?
I just bought my first car and have never had insurance. Do I have to be insured to take the ...
See More Questions
I have a local agent and he talks about the “carriers” that he works with. What is the difference?...
|Will my insurance company cover my vehicle if my cousin was driving my car?|
If I claim my injuries after an accident, will that make my rates higher?
She swerved to miss a deer and ended up hitting a tree. It was cold and slick outside as well ...
Should I cancel my policy if I sold my vehicle and won’t be getting another car for a month?
I rear ended someone this morning and totaled my car. At least it seems so since the airbags went off. ...
How much do car insurance rates go up after a DUI?
I sold my car to get more money than I would on trade-in value, but the check from the buyer...
See More Questions
My friend just got charged with a DUI and has to pay thousands of dollars in fines. In addition to...
|Compare More||American Family vs. 21st Century American Family vs. Allstate 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||Allied vs. 21st Century Allied vs. Allstate Allied vs. Amica Mutual Insurance Allied vs. Auto Club (AAA) Allied vs. Erie Allied vs. Esurance Allied vs. Farm Bureau Mutual Allied vs. Farmers Allied vs. Foremost Allied vs. GEICO Allied vs. Infinity Allied vs. Liberty Mutual Allied vs. Mercury Allied vs. MetLife Allied vs. North Star Mutual Allied vs. Progressive Allied vs. SAFECO Allied vs. Safe Auto Allied vs. State Farm Allied vs. The General Allied vs. The Hartford Allied vs. Titan Allied vs. Travelers Allied 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|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...