American Family vs. Allied

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American Family or Allied: Which Company is Best for You?

Picking a car insurance company can be difficult: the rates each insurer offers can vary widely by location, age, and driving history, and every company's discounts differ. American Family and Allied are two of the most popular insurance companies, selling high-quality coverage across many states.

To help simplify the comparison process, we've collected average premiums from Allied and American Family. These rates cover a variety of rating factors, including credit score, driving history, and age. Examine these figures and find your next car insurance policy today.

Looking for more information? Check out our full reviews of American Family and Allied.


Compare American Family vs. Allied auto insurance rates


American Family vs. Allied: rates by credit level

If you have very poor credit, Allied could be the way to go. Typically, Allied offers more affordable rates than American Family for drivers with credit scores of lower than 580. Those with exceptional credit — a score of 800 or higher — should lean toward View common insurance rates by credit level for Allied and American Family below.

Credit score American Family avg. annual premium Allied avg. annual premium
Very Poor (300-579) $1,931 $1,483
Fair (580-669) $1,294 $1,097
Good (670-739) $1,220 $1,104
Very Good (740-799) $1,009 $920
Exceptional (800-850) $941 $857

American Family vs. Allied: rates for drivers with bad records

If you're dealing with an at-fault accident, ticket, reckless driving citation, or DWI on your résumé, Allied could be a better choice than American Family. Every auto insurance company prices policies differently after a violation, so always do your due diligence and compare quotes to understand which insurance company suits you.

RATES BY VIOLATION: Allied VS. American Family
Infraction American Family avg. annual premium Allied avg. annual premium
At-fault accident (damage < $1,000) $1,763 $1,662
At-fault accident (damage > $1,000) $990 $1,221
DUI/DWI $1,857 $2,708
Reckless driving $1,857 $2,708
Speeding ticket $1,270 $1,232

American Family vs. Allied: rates by age

Insurance companies use age to outline potential risk, assigning rates on a sliding scale. Auto insurance is commonly priciest for teen drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because every auto insurance company rates ages differently, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Allied over American Family: the former's average annual rates are $284 less than the latter's..

RATES BY AGE: Allied VS. American Family
Age bracket American Family avg. annual premium Allied avg. annual premium
Teens $3,810 $3,526
20s $1,685 $1,392
30s $1,101 $1,392
40s $1,089 $959
50s $1,089 $915
60s $986 $832

Setting aside cost, American Family and Allied both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount Comparison American Family Allied
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
New Vehicle
Annual Mileage
Ratings Comparison American Family Allied
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon Above average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products American Family Allied
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features American Family Allied
About American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships. Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.
Roadside Assistance 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). Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
Additional Discounts None Available Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
Recent Questions
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