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 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.

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..

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 supported supported
Multiple Policies supported supported
Multiple Vehicles supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported supported
Defensive Driver supported
Student Away at School supported supported
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase supported supported
Pay in Full supported
Home Owner
eSign or ePay
Telematics supported
New Vehicle supported
Annual Mileage
Ratings Comparison Allstate American Family
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon Average Above average
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Allstate American Family
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported supported
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
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.
See More Questions
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