Farmers vs American Family Car Insurance

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

Selecting an auto insurance company can be tough: companies' rates differ based on your driving record, location, and age, and every company's discounts vary. Farmers and American Family are among the nation's top auto insurance companies, selling competitively priced coverage in most states across the US.

To help simplify the process of comparing insurance companies, we gathered average policy rates from American Family and Farmers. These rates cover an array of rating factors, including credit quality, driving infractions, and age. Check out the below rates and find the perfect policy for you.

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


Farmers vs. American Family: insurance rate comparison


Farmers vs. American Family: rate comparison by credit level

If you have extremely bad credit, American Family could be the way to go. On average, American Family offers cheaper premiums than Farmers for prospective clients with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or better — should lean toward Check out common insurance rates by credit level for American Family and Farmers below.


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 driver rates

If you are dealing with an at-fault collision, ticket, reckless driving violation, or DUI in your recent history, American Family could be a better choice than Farmers. Every insurance company prices its policies differently, so always do your due diligence and compare quotes to figure out which insurer suits you.


RATES BY CITATION: American Family VS. Farmers
InfractionFarmers 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

Car insurance companies use a driver's age as an estimator of risk, pricing premiums on a sliding scale. Car insurance is usually expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Because each insurance company rates age brackets in a different way, it's worth doing some comparison shopping.

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


RATES BY AGE: 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 finances, Farmers and American Family both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

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
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
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
User Satisfaction

A+

A

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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?
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.
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. Safe Auto Farmers vs. Safeco 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. 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. 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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Farmers vs American Family

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