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 | 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 |
| 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. Car insurance for elderly car owner who doesn't driveThere'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 | Are 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. See More Questions |
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