Farmers vs American Family: Which is Better 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: 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.

INSURER 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: by citation

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.

INSURER RATES BY VIOLATION: 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: 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..

INSURER 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.