Allstate vs. American Family Auto Insurance: Which should you buy in 2024?
Our Allstate vs. American Family auto insurance guide will help you choose between two companies with excellent customer service and superb financial stability. We look at rates for both companies based on age, driving record, and credit score. American Family's rates are cheaper than Allstate on all of our comparison points, but Allstate has great discounts to offset their higher rates. Compare rates from both companies here.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Allstate and American Family have excellent ratings by government, financial, and consumer agencies.
- American Family’s auto insurance for drivers of any age (even teens) is 30 percent cheaper than Allstate.
- Allstate has an impressive number of discounts and substantial savings of up to 45 percent.
- American Family is the better choice if you have bad credit or a DUI on your record.
It’s nice to have options in life, and there are so many auto insurance companies to consider.
You probably know the basics now that you have landed here ready to narrow down your two best contenders and choose the auto insurance company that will have your back when you need it: Allstate vs. American Family auto insurance.
Allstate and American Family are both on the list of the best auto insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength?
American Family’s auto insurance rates are cheaper than Allstate’s auto insurance rates through all of our comparison points.
Keep reading to compare American Family quotes and Allstate quotes, or enter your ZIP code to start comparing multiple companies in your local area.
Is Allstate or American Family auto insurance cheaper based on age?
Wouldn’t you agree that as we age, we become more experienced?
Auto insurance companies believe this, especially when it comes to determining your auto insurance rates. They believe the more years of driving experience we have, the more cautious and safe we are as drivers.
I think we can all agree on that.
However, I doubt we will all agree that it’s fair to base auto insurance rates on gender and marital status. Some states have outlawed this discriminatory practice, but not all.
Allstate vs. American Family Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
| Age, Gender, and Marital Status | Allstate Average Annual Rates | American Family Average Annual Rates |
|---|---|---|
| Single 17-year-old female | $9,282 | $5,997 |
| Single 17-year-old male | $10,643 | $8,131 |
| Single 25-year-old female | $3,425 | $2,289 |
| Single 25-year-old male | $3,571 | $2,695 |
| Married 35-year-old female | $3,156 | $2,203 |
| Married 35-year-old male | $3,123 | $2,224 |
| Married 60-year-old female | $2,913 | $1,993 |
| Married 60-year-old male | $2,991 | $2,014 |
American Family’s auto insurance rates are 30 percent cheaper than Allstate’s auto insurance rates for drivers 25 and older.
Coming in at 30 percent cheaper than Allstate, American Family is the better choice if you have a teen driver on your policy.
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Is Allstate or American Family auto insurance cheaper based on driving record?
No matter what auto insurance company you select, it’s a widely accepted fact that your auto insurance rates will increase if you get a speeding ticket, cause an accident, or get a DUI. The riskier a driver you are, the more of a liability you are. Allstate and American Family are no exception to this.
Allstate vs. American Family Average Annual Auto Insurance Rates by Driving Record
| Infraction | Allstate Average Annual Rates | American Family Average Annual Rates |
|---|---|---|
| Clean record | $3,820 | $2,694 |
| With one speeding violation | $4,484 | $3,026 |
| With one accident | $4,988 | $3,723 |
| With one DUI | $6,261 | $4,330 |
Initially, American Family has cheaper auto insurance rates than Allstate for drivers with any type of driving record.
Both Allstate and American Family increase rates for their drivers by only 12 to 17 percent if they get a speeding ticket and 31 to 38 percent if they cause an accident.
However, both Allstate and American Family take DUIs very seriously. Expect your rates with them to increase by 61 to 64 percent if you get a DUI while with either company.
Is Allstate or American Family auto insurance cheaper based on credit score?
Your credit score reflects your prior ability to manage your finances and make good choices, as well as pay your bills on time. Auto insurance companies assume that the more financially responsible you are, the safer the driver you are.
We can all agree that a traumatic financial life event like a divorce or unexpected medical costs is likely to decrease your credit score.
Are those always personal choices? Not exactly.
Just the same as gender and marital status, some states have banned auto insurance companies from basing rates on credit history. Let’s take a look at how Allstate and American Family compare when it comes to rates based on credit score.
Allstate vs. American Family Average Annual Auto Insurance Rates by Credit History
| Credit Score | Allstate Average Annual Rates | American Family Average Annual Rates |
|---|---|---|
| Good Credit (670-739) | $3,860 | $2,692 |
| Fair Credit Score (580-669) | $4,581 | $3,170 |
| Poor Credit Score (300-579) | $6,491 | $4,468 |
Again, American Family comes in cheaper than Allstate if you any type of credit history.
If your credit score tanks while with either company, expect your rates to increase by 66 to 68 percent.
When it’s time to renew your six-month policy, and you notice your rate has gone up, it could be because your credit score dropped.
Use your Allstate or American Family login to make adjustments to your deductible and coverage levels, temporarily, if needed, to reduce your rate for the next six months while you work to improve your credit score.
It’s good practice to check your credit report every six months anyway. Otherwise, it may be a good time to consider a different insurance provider.
State laws determine much of how you will experience obtaining auto insurance coverage, so where you live is a very influential factor in determining your auto insurance rates.
Be sure to check your state auto insurance guide before judging Allstate and American Family auto insurance rates based on credit score alone.
Does Allstate or American Family have better auto insurance discounts?
Every auto insurance company has its brand, and this tends to stem from its history. Similarly, the values and philosophies of an auto insurance company can influence what discounts an auto insurance company will offer.
This is why it pays to shop around. Let’s take a look at Allstate auto insurance discounts and American Family auto insurance discounts.
Allstate vs. American Family Auto Insurance Discounts
| Discounts | Allstate (%) | American Family (%) |
|---|---|---|
| Anti-lock Brakes | 10 | Yes |
| Anti-Theft | 10 | Yes |
| Claim Free | 35 | Yes |
| Continuous Coverage | N/A | Yes |
| Daytime Running Lights | 2 | N/A |
| Defensive Driver | 10 | 10 |
| Distant Student | 35 | N/A |
| Driver's Ed | 10 | N/A |
| Driving Device/App | 20 | 40 |
| Early Signing | 10 | N/A |
| Electronic Stability Control | 2 | N/A |
| Emergency Deployment | N/A | Yes |
| Engaged Couple | N/A | Yes |
| Family Legacy | N/A | Yes |
| Family Plan | N/A | Yes |
| Farm Vehicle | 10 | Yes |
| Fast 5 | N/A | Yes |
| Federal Employee | N/A | Yes |
| Full Payment | 10 | N/A |
| Further Education | N/A | Yes |
| Garaging/Storing | N/A | Yes |
| Good Student | 20 | N/A |
| Green Vehicle | 10 | N/A |
| Homeowner | N/A | Yes |
| Loyalty | N/A | Yes |
| Military | N/A | Yes |
| Military Garaging | N/A | Yes |
| Multiple Policies | 10 | N/A |
| New Graduate | N/A | Yes |
| Newer Vehicle | 30 | Yes |
| On Time Payments | 5 | N/A |
| Paperless Documents | 10 | N/A |
| Paperless/Auto Billing | 5 | N/A |
| Passive Restraint | 30 | 30 |
| Recent Retirees | N/A | Yes |
| Renter | N/A | Yes |
| Roadside Assistance | N/A | Yes |
| Safe Driver | 45 | N/A |
| Senior Driver | 10 | N/A |
| Stable Residence | N/A | Yes |
| Utility Vehicle | 15 | N/A |
| Vehicle Recovery | 10 | Yes |
| VIN Etching | N/A | Yes |
| Volunteer | N/A | Yes |
Our source provides only three discount values for American Family, but be sure to contact them to find out all of the discounts you can possibly use.
When comparing all discounts from the companies, Allstate has a total of 24 auto insurance discounts while American Family has 25 discounts.
Even though American Family has cheaper rates, Allstate has more competitive discounts. With Allstate, you can save between 30 and 45 percent for being a safe driver, being claim-free, having a newer vehicle, having air bags, or being a student.
Both Allstate and American Family offer the same discount (30 percent) for having air bags. However, Allstate provides only a 20 percent discount for using their driving app or driving device. The same discount with American Family will save you 40 percent.
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What types of auto insurance coverages are offered by Allstate and American Family?
Since both Allstate and American Family are on the big contender list for market share, they both likely offer the standard six coverages that are listed below in addition to much more.
- Liability auto insurance coverage – bodily injury and property damage
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/Underinsured auto insurance coverage
- Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
- Personal Injury Protection (PIP) auto insurance coverage
However, be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and insurance for recreational vehicles such as ATVs or boats.
Does Allstate or American Family have better auto insurance mobile apps?
Most of the top 10 auto insurance companies have mobile apps to make payments, adjust coverage levels, or show electronic verification of auto insurance coverage. However, most auto insurance companies have a separate app that is used for their usage-based auto insurance programs.
Usually, your Allstate insurance login or American Family insurance login will work with both the general app and the driving app.
Read our Allstate’s MileWise review and compare it to American Family’s KnowYourDrive to decide if you would like to participate in their usage-based auto insurance programs.
How do Allstate and American Family auto insurance compare in financial strength and customer satisfaction?
If auto insurance companies can judge their customers based on gender, marital status, and credit score, then it’s only fair customers get to judge them. We list ratings for Allstate and American Family from the top agencies that judge the credibility of all auto insurance companies.
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and American Family claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
Allstate vs. American Family Company Ratings
| Rating Agency | Allstate | American Family |
|---|---|---|
| AM Best Rating | A+ | A |
| Consumer Reports | 88 | 89 |
| NAIC Company Complaint Ratio | 0.5 | 0.79 |
| NAIC Total Complaints | 163 | 73 |
Allstate and American Family are on top of things when it comes to external ratings by government, financial, and consumer agencies. You will have a good experience with Allstate and American Family customer service, and you can expect financial sustainability with either company.
When you’re unsure which company to choose, you can always use our free comparison tool to compare Allstate and American Family auto insurance to other companies in your area.
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Frequently Asked Questions
What are Allstate and American Family Auto Insurance?
Allstate and American Family are both insurance companies that offer auto insurance coverage to individuals and families. They provide protection for your vehicle against damages, accidents, and other risks, ensuring financial assistance for repairs, medical expenses, and liability claims.
What types of coverage do Allstate and American Family offer?
Both Allstate and American Family offer a range of auto insurance coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP) coverage. They also offer additional optional coverage, such as roadside assistance, rental reimbursement, and gap insurance.
How do Allstate and American Family differ in terms of customer service?
Allstate and American Family have their own customer service departments, and the level of service may vary based on individual experiences. It’s recommended to check customer reviews, ratings, and feedback to get a better understanding of their customer service reputation. Both companies have mobile apps and online portals to manage policies and file claims conveniently.
Are there any differences in pricing between Allstate and American Family?
The cost of insurance varies depending on several factors, including your location, driving history, vehicle type, coverage options, and more. Allstate and American Family may have different pricing structures and discounts available. It’s advisable to obtain personalized quotes from both companies to compare prices based on your specific circumstances.
Which company has better financial stability, Allstate or American Family?
Both Allstate and American Family are established insurance companies with solid financial stability. They have a strong track record of meeting their financial obligations to policyholders. However, you may want to refer to independent rating agencies such as A.M. Best, Moody’s, or Standard & Poor’s to assess the financial strength ratings of each company for a more comprehensive evaluation.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.