Deciding on an auto insurance company can be hard: rates may vary by driving history, location, and age, and insurers offer a variety of perks. State Farm and American Family are two of the US' most popular car insurance companies, offering competitively priced insurance policies in most US states.
In an effort to make shopping for car insurance easier, we have pulled average rates from American Family and State Farm. The below cover myriad rating factors, chief among which are credit rating, driving history, and age. Take a look at these rates and find an affordable policy today.
Want to learn more? Read our reviews of State Farm and American Family.
If you have extremely bad credit, American Family could be a better option for you. Typically, American Family offers cheaper rates than State Farm for prospective clients with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800 or higher — should consider View common insurance rates by credit score for American Family and State Farm:
| Credit level | State Farm avg. annual premium | American Family avg. annual premium |
| Very Poor (300-579) | $3,522 | $1,931 |
| Fair (580-669) | $2,003 | $1,294 |
| Good (670-739) | $1,613 | $1,220 |
| Very Good (740-799) | $1,451 | $1,009 |
| Exceptional (800-850) | $1,260 | $941 |
If you are carrying an at-fault crash, speeding ticket, reckless driving citation, or DWI on your record, American Family could be a better choice than State Farm. Every insurance company prices policies differently after a violation, so always do your due diligence and compare quotes to understand which insurer is best for you.
| Violation | State Farm avg. annual premium | American Family avg. annual premium |
| At-fault accident (damage < $1,000) | $2,849 | $1,763 |
| At-fault accident (damage > $1,000) | $1,524 | $990 |
| DUI/DWI | $3,854 | $1,857 |
| Reckless driving | $2,895 | $1,857 |
| Speeding ticket | $1,983 | $1,270 |
Insurance companies use age to outline risk potential, pricing premiums accordingly. A car insurance policy is typically most expensive for teen drivers — because of their inexperience — and most affordable for middle-aged drivers. Because each insurance company evaluates age tiers differently, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose American Family over State Farm: the former's average annual rates are $2,010 less than the latter's..
| Age | State Farm avg. annual premium | American Family avg. annual premium |
| Teens | $5,820 | $3,810 |
| 20s | $2,379 | $1,685 |
| 30s | $1,585 | $1,685 |
| 40s | $1,587 | $1,089 |
| 50s | $1,558 | $1,089 |
| 60s | $1,485 | $986 |
Aside from affordability, State Farm and American Family each carry 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 | State Farm | 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 | State Farm | American Family |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Above average | Above average |
| User Satisfaction | 4.5/5 | 4.5/5 |
| Other Products | State Farm | American Family |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | State Farm | American Family |
|---|---|---|
| About | Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs. | American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships. |
| Roadside Assistance | State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services. | 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 | State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model. | None Available |
| Recent Questions |
Should I file a claim through State Farm?
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%.
My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
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