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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.
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:
|Credit level||Farmers avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$2,633||$1,931|
|Very Good (740-799)||$1,459||$1,009|
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.
|Violation||Farmers avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$2,334||$1,763|
|At-fault accident (damage > $1,000)||$1,699||$990|
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..
|Age bracket||Farmers avg. annual premium||American Family avg. annual premium|
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 Comparison||Farmers||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Farmers||American Family|
|JD Power Rankings|
|Other Products||Farmers||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Farmers||American Family|
|About||Farmers 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 Assistance||Farmer'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 Discounts||Farmers offers an additional discount for seniors.||None Available|
|Compare More||Farmers 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. Safe Auto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA||American 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. 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|
|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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