Allstate vs. American Family
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.
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:
COMPARING AUTO INSURANCE 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 |
| 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.
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 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 |
| DUI/DWI | $3,637 | $1,857 |
| 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..
RATES BY AGE: AMERICAN FAMILY VS. ALLSTATE
| 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 |
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| Good Student |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase |
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| Pay in Full |
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| Telematics |
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| New Vehicle |
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| Military |
| Ratings Comparison | Allstate | American Family |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Average | Above average |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Allstate | American Family |
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| Travel Trailer Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | Allstate | American Family |
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| 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 |
| Recent Questions |
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.
What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?
While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
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