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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?|
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|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. 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||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. SafeAuto 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|
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