Allstate vs American Family: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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.
Allstate vs. American Family: 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:
INSURER RATES BY CREDIT SCORE: AMERICAN FAMILY VS. ALLSTATE
|Credit level||Allstate avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$3,117||$1,931|
|Very Good (740-799)||$1,820||$1,009|
Allstate vs. American Family: by citation
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.
INSURER RATES BY VIOLATION: AMERICAN FAMILY VS. ALLSTATE
|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|
Allstate vs. American Family: by age
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..
INSURER RATES BY AGE: AMERICAN FAMILY VS. ALLSTATE
|Age||Allstate avg. annual premium||American 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 Comparison||Allstate||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Allstate||American Family|
|JD Power Rankings||Average||Above average|
|Other Products||Allstate||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Allstate||American Family|
|About||Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today.||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.|
|Roadside Assistance||Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).||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|
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