American Family vs Allied Car Insurance

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

Picking a car insurance company can be difficult: the rates each insurer offers can vary widely by location, age, and driving history, and every company's discounts differ. American Family and Allied are two of the most popular insurance companies, selling high-quality coverage across many states.

To help simplify the comparison process, we've collected average premiums from Allied and American Family. These rates cover a variety of rating factors, including credit score, driving history, and age. Examine these figures and find your next car insurance policy today.

Looking for more information? Check out our full reviews of American Family and Allied.


Compare American Family vs. Allied auto insurance rates


American Family vs. Allied: rates by credit level

If you have very poor credit, Allied could be the way to go. Typically, Allied offers more affordable rates than American Family for drivers with credit scores of lower than 580. Those with exceptional credit — a score of 800 or higher — should lean toward View common insurance rates by credit level for Allied and American Family below.


CREDIT SCORE INSURANCE RATE COMPARISON: Allied VS. American Family
Credit scoreAmerican Family avg. annual premiumAllied avg. annual premium
Very Poor (300-579)$1,931$1,483
Fair (580-669)$1,294$1,097
Good (670-739)$1,220$1,104
Very Good (740-799)$1,009$920
Exceptional (800-850)$941$857

American Family vs. Allied: rates for drivers with bad records

If you're dealing with an at-fault accident, ticket, reckless driving citation, or DWI on your résumé, Allied could be a better choice than American Family. Every auto insurance company prices policies differently after a violation, so always do your due diligence and compare quotes to understand which insurance company suits you.


RATES BY VIOLATION: Allied VS. American Family
InfractionAmerican Family avg. annual premiumAllied avg. annual premium
At-fault accident (damage < $1,000)$1,763$1,662
At-fault accident (damage > $1,000)$990$1,221
DUI/DWI$1,857$2,708
Reckless driving$1,857$2,708
Speeding ticket$1,270$1,232

American Family vs. Allied: rates by age

Insurance companies use age to outline potential risk, assigning rates on a sliding scale. Auto insurance is commonly priciest for teen drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because every auto insurance company rates ages differently, it's worth comparing rates and shopping around.

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..


RATES BY AGE: Allied VS. American Family
Age bracketAmerican Family avg. annual premiumAllied avg. annual premium
Teens$3,810$3,526
20s$1,685$1,392
30s$1,101$1,392
40s$1,089$959
50s$1,089$915
60s$986$832

Setting aside cost, American Family and Allied both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonAmerican FamilyAllied
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 ComparisonAmerican FamilyAllied
Financial Strength ExcellentSuperior
JD Power Rankings
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
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
User Satisfaction

A

A+

Other ProductsAmerican FamilyAllied
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAmerican FamilyAllied
AboutAmerican 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 AssistanceAmerican 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 DiscountsNone AvailableAllied 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 QuestionsWill my insurance company cover my vehicle if my cousin was driving my car?
Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process.
If I claim my injuries after an accident, will that make my rates higher?
Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options.
Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing.
How much do car insurance rates go up after a DUI?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none.
See More Questions
Compare MoreAmerican 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. Safe Auto American Family vs. Safeco 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. USAAAllied 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. Safe Auto Allied vs. Safeco Allied vs. State Farm Allied vs. The General Allied vs. The Hartford Allied vs. Titan Allied vs. Travelers Allied 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
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American Family vs Allied

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