Farmers vs American Family Car Insurance

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

Choosing a car insurance company is complex: rates can fluctuate based on your location, age, and driving history, and every company's discounts vary. Farmers and American Family are among America's most popular insurance companies, providing affordable policies in most states across the US.

In an effort to simplify the process of comparing insurance companies, we've pulled average rates from American Family and Farmers. These cover a variety of pricing factors, including credit, driving history, and demographics. Examine these rates and find your next car insurance policy today.


Compare Farmers vs. American Family auto insurance rates


Farmers vs. American Family: pricing by credit score

If you have very bad credit, American Family could be the way to go. On average, American Family offers cheaper prices than Farmers for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should favor Check out average insurance rates by credit level for American Family and Farmers:


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: American Family VS. Farmers
Credit levelFarmers avg. annual premiumAmerican Family avg. annual premium
Very Poor (300-579)$2,633$1,931
Fair (580-669)$1,736$1,294
Good (670-739)$1,882$1,220
Very Good (740-799)$1,459$1,009
Exceptional (800-850)$1,354$941

Farmers vs. American Family: high-risk insurance rates

If you are carrying an at-fault collision, speeding ticket, reckless driving citation, or DWI on your driving record, American Family could be a better choice than Farmers. Every car insurance company prices its policies differently, so it's worth comparing quotes to understand which insurance company suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: American Family VS. Farmers
ViolationFarmers avg. annual premiumAmerican Family avg. annual premium
At-fault accident (damage < $1,000)$2,334$1,763
At-fault accident (damage > $1,000)$1,699$990
DUI/DWI$3,239$1,857
Reckless driving$4,636$1,857
Speeding ticket$2,045$1,270

Farmers vs. American Family: rates by age

Insurance companies rely on a driver's age to outline risk potential, assigning rates accordingly. An insurance policy is typically more expensive for drivers younger than 25 — due to their inexperience — and relatively affordable for middle-aged drivers. Because every auto insurance company prices ages differently, it's a smart move to shop around.

As a general rule, teen drivers should choose American Family before Farmers: the former's average annual rates are $2,708 less than the latter's..


RATES BY AGE BRACKET: American Family VS. Farmers
Age bracketFarmers avg. annual premiumAmerican Family avg. annual premium
Teens$6,518$3,810
20s$2,020$1,685
30s$1,543$1,685
40s$1,511$1,089
50s$1,507$1,089
60s$1,402$986

Aside from affordability, Farmers and American Family come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarmersAmerican 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 ComparisonFarmersAmerican Family
Financial Strength ExcellentExcellent
JD Power Rankings
3 out of 5
4 out of 5
User Satisfaction

A+

A

Other ProductsFarmersAmerican Family
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Other FeaturesFarmersAmerican Family
AboutFarmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.
Roadside AssistanceFarmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.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 DiscountsFarmers offers an additional discount for seniors.None Available
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 ...

Does Farmers allow exclusions?

Can I exclude my boyfriend on my Farmer’s car insurance policy?...

Will my farmers insurance cover my towing off the the NJ turnpike

Car was towed to the nearest exit off of the turnpike...

Will insurance cover someone other than the insured?

My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...

See More Questions
Are 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?...

See More Questions
Compare MoreFarmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. SAFECO Farmers vs. SafeAuto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAAAmerican Family vs. 21st Century American Family vs. Allied 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. 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
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:

Farmers vs American Family

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