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.
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|
|Very Good (740-799)||$1,820||$1,009|
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|
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|
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||Below average|
|Other Products||Allstate||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Allstate||American Family|
|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 drive
There'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
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