State Farm vs American Family Car Insurance

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State Farm or American Family:
Which Company is Best for You?

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.


State Farm vs. American Family: rate comparison


State Farm vs. American Family: pricing by credit score

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:


RATES BY CREDIT LEVEL: American Family VS. State Farm
Credit levelState Farm avg. annual premiumAmerican 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

State Farm vs. American Family: rates for high-risk drivers

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.


RATES BY CITATION: American Family VS. State Farm
ViolationState Farm avg. annual premiumAmerican 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

State Farm vs. American Family: rates by age

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..


RATES BY AGE BRACKET: American Family VS. State Farm
AgeState Farm avg. annual premiumAmerican 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 ComparisonState FarmAmerican 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 ComparisonState FarmAmerican Family
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A++

A

Other ProductsState FarmAmerican Family
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesState FarmAmerican Family
AboutGet 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 AssistanceState 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 DiscountsState 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 QuestionsMy 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.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
See More Questions
Compare MoreState Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farm Bureau Mutual State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. North Star Mutual State Farm vs. Progressive State Farm vs. Root Insurance State Farm vs. Safe Auto State Farm vs. Safeco State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAAAmerican 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. Farmers 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. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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State Farm vs American Family

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