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 | Excellent | Excellent |
| JD Power Rankings | Average | Below average |
| User Satisfaction | 4.3/5 | 4.3/5 |
| 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 |