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.
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 |
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 |
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 | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Farmers | American Family |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Excellent | Above average |
| User Satisfaction | 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 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.
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