American Family vs Allied Car Insurance

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

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.

 

American Family vs. Allied: rate comparison

 

American Family vs. Allied: by credit level

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.

 

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: 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 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.

 

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 bracket

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..

 

COMPARING AUTO INSURANCE 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

 

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 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 QuestionsAre some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

If I accidentally drove my car through a neighbor’s fence, will my insurance company pay for the damage?

My foot slipped on the clutch when I was parked in the street and I damaged my neighbor’s fence. Is ...

How soon am I required to insure a vehicle I bought through a private sale?

I just bought my first car and have never had insurance. Do I have to be insured to take the ...

What’s the difference between an insurance carrier and an insurance agency?

I have a local agent and he talks about the “carriers” that he works with. What is the difference?...

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Will my insurance company cover my vehicle if my cousin was driving my car?

She swerved to miss a deer and ended up hitting a tree. It was cold and slick outside as well ...

If I claim my injuries after an accident, will that make my rates higher?

I rear ended someone this morning and totaled my car. At least it seems so since the airbags went off. ...

Should I cancel my policy if I sold my vehicle and won’t be getting another car for a month?

I sold my car to get more money than I would on trade-in value, but the check from the buyer...

How much do car insurance rates go up after a DUI?

My friend just got charged with a DUI and has to pay thousands of dollars in fines. In addition to...

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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. 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. 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. 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 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:

American Family vs Allied

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