Farmers vs. American Family

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

Selecting an auto insurance company can be tough: companies' rates differ based on your driving record, location, and age, and every company's discounts vary. Farmers and American Family are among the nation's top auto insurance companies, selling competitively priced coverage in most states across the US.

To help simplify the process of comparing insurance companies, we gathered average policy rates from American Family and Farmers. These rates cover an array of rating factors, including credit quality, driving infractions, and age. Check out the below rates and find the perfect policy for you.

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


Farmers vs. American Family: insurance rate comparison


Farmers vs. American Family: rate comparison by credit level

If you have extremely bad credit, American Family could be the way to go. On average, American Family offers cheaper premiums than Farmers for prospective clients with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or better — should lean toward Check out common insurance rates by credit level for American Family and Farmers below.

Credit level Farmers avg. annual premium American Family avg. annual premium
Very Poor (300-579) $2,633 $1,931
Fair (580-669) $1,736 $1,294
Good (670-739) $1,882 $1,220
Very Good (740-799) $1,459 $1,009
Exceptional (800-850) $1,354 $941

Farmers vs. American Family: high-risk driver rates

If you are dealing with an at-fault collision, ticket, reckless driving violation, or DUI in your recent history, American Family could be a better choice than Farmers. Every insurance company prices its policies differently, so always do your due diligence and compare quotes to figure out which insurer suits you.

Infraction Farmers avg. annual premium American Family avg. annual premium
At-fault accident (damage < $1,000) $2,334 $1,763
At-fault accident (damage > $1,000) $1,699 $990
DUI/DWI $3,239 $1,857
Reckless driving $4,636 $1,857
Speeding ticket $2,045 $1,270

Farmers vs. American Family: rates by age

Car insurance companies use a driver's age as an estimator of risk, pricing premiums on a sliding scale. Car insurance is usually expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Because each insurance company rates age brackets in a different way, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose American Family over Farmers: the former's average annual rates are $2,708 less than the latter's..

Age bracket Farmers avg. annual premium American Family avg. annual premium
Teens $6,518 $3,810
20s $2,020 $1,685
30s $1,543 $1,685
40s $1,511 $1,089
50s $1,507 $1,089
60s $1,402 $986

Aside from finances, Farmers and American Family both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount Comparison Farmers 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
New Vehicle
Annual Mileage
Ratings Comparison Farmers American Family
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon Excellent Above average
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Farmers American Family
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features Farmers American Family
About Farmers Insurance Hawaii knows how important it is for you to protect your vehicle and save money. That’s why they offer discounts and benefits you may want, along with unparalleled customer and claim service. American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.
Roadside Assistance Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts. 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 Farmers offers an additional discount for seniors. None Available
Recent Questions Should senior citizens carry collision insurance?
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most&nbsp;cases.
Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representative at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
See More Questions
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