Allstate vs. American Family

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

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.


Compare Allstate vs. American Family auto insurance rates


Allstate vs. American Family: premiums by credit level

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 levelAllstate avg. annual premiumAmerican 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

Allstate vs. American Family: costs for high-risk drivers

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.

CitationAllstate avg. annual premiumAmerican Family avg. annual premium
At-fault accident (damage < $1,000)$3,006$1,763
At-fault accident (damage > $1,000)$2,290$990
Reckless driving$3,388$1,857
Speeding ticket$2,256$1,270

Allstate vs. American Family: rates by age bracket

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..

AgeAllstate avg. annual premiumAmerican Family avg. annual premium

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 ComparisonAllstateAmerican 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
New Vehicle
Annual Mileage
Ratings ComparisonAllstateAmerican Family
Financial Strength ExcellentExcellent
JD Power Rankings AverageBelow average
User Satisfaction 4.3/54.3/5
Other ProductsAllstateAmerican Family
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAllstateAmerican Family
Roadside Assistance
Additional DiscountsAllstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.None Available
Recent QuestionsCan 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.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies.
See More Questions
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