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.
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: AMERICAN FAMILY VS. FARMERS
| 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.
RATES BY CITATION: AMERICAN FAMILY VS. FARMERS
| 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..
RATES BY AGE: AMERICAN FAMILY VS. FARMERS
| 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 |
Will my Farmers insurance roadside assistance provide towing up to 250 miles?
Roadside assistance varies by insurance company. From my understanding, most towing and roadside assistance coverage offered as part of an auto policy either has a set dollar amount to cover a tow, covers towing up to 15 miles from your breakdown, or covers towing to the nearest repair facility.
See More Questions
|
|
| Compare More | Farmers vs. 21st Century Farmers vs. Allied Farmers vs. Amica Mutual Insurance Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. Infinity Farmers vs. Mercury Farmers vs. MetLife Farmers vs. North Star Mutual Farmers vs. Safe Auto Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers | American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. Safe Auto American Family vs. Safeco American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |