Choosing a car insurance company can be tough: every company's rates differ based on your location, vehicle, and driving record, and every company's discounts vary. Allstate and American Family are two of the nation's most popular auto insurance companies, providing affordable coverage across large swaths of the US.
In an effort to take the sting out of shopping for car insurance, we gathered typical costs from American Family and Allstate. The below rates cover a variety of rating factors, including credit, driving infractions, and age. Examine these figures and find an affordable policy today.
Looking for in-depth analysis? Consult our comprehensive reviews of Allstate and American Family.
If you have very bad credit, American Family could be the way to go. On average, American Family offers more affordable prices than Allstate for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should favor Check out typical insurance rates by credit tier for American Family and Allstate:
| Credit level | Allstate avg. annual premium | American Family avg. annual premium |
| Very Poor (300-579) | $3,117 | $1,931 |
| Fair (580-669) | $2,162 | $1,294 |
| Good (670-739) | $2,021 | $1,220 |
| Very Good (740-799) | $1,820 | $1,009 |
| Exceptional (800-850) | $1,743 | $941 |
If you are carrying an at-fault accident, speeding ticket, reckless driving violation, or DUI on your driving record, American Family could be a better choice than Allstate. Every auto insurance company enacts rate penalties differently, so it's worth comparing quotes to understand which insurer is best for you.
| Citation | Allstate avg. annual premium | American Family avg. annual premium |
| At-fault accident (damage < $1,000) | $3,006 | $1,763 |
| At-fault accident (damage > $1,000) | $2,290 | $990 |
| DUI/DWI | $3,637 | $1,857 |
| Reckless driving | $3,388 | $1,857 |
| Speeding ticket | $2,256 | $1,270 |
Insurers use a driver's age as an indicator of potential risk, assigning rates accordingly. An insurance policy is usually expensive for teens — because of their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company rates age tiers in a different way, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose American Family over Allstate: the former's average annual rates are $2,632 less than the latter's..
| Age | Allstate avg. annual premium | American Family avg. annual premium |
| Teens | $6,442 | $3,810 |
| 20s | $2,636 | $1,685 |
| 30s | $1,920 | $1,685 |
| 40s | $1,912 | $1,089 |
| 50s | $1,893 | $1,089 |
| 60s | $1,768 | $986 |
Aside from affordability, Allstate and American Family each have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | Allstate | American 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 Comparison | Allstate | American Family |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | ||
| User Satisfaction | A+ | A |
| Other Products | Allstate | American Family |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Allstate | American Family |
|---|---|---|
| About | Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you. | American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships. |
| Roadside Assistance | Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy. | 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 | Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired. | None Available |
| Recent Questions | Can you make your child a permissive user in order to get a discount? You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent. Do I have to list my spouse as a driver?You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy. Can I still be on my parent's car insurance?Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle. An automated security gate hit my door, should I file a claim or get them to pay for the damages?It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost. See More Questions | |
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