American Family vs. State Farm: Pros & Cons (2021)

Taking the time to compare American Family vs State Farm can help ensure you are getting great rates. Considering how age, discounts, and driving record will impact your auto insurance rates will guide you toward the best car insurance company to suit your needs. American Family and State Farm are both reputable companies but one outranks the other in just about every category.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

Advertiser Disclosure

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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.

What You Should Know

  • The company you choose can play a major role in your auto insurance rates.
  • Looking at the discounts American Family Insurance and State Farm offer, can save you a lot of money in the long run.
  • Taking customer satisfaction into consideration will ensure you choose an insurance provider that is going to make life’s little mishaps easy to handle instead of adding to your stress.
  • Keep in mind, age and driving record both play a role in the rates you receive.

Jake from State Farm would say that State Farm Insurance is the best and most affordable, but is that really true? When you compare American Family vs State Farm, you might be surprised by what you see. Each insurance provider comes with their own sets of pros and cons.

Shopping around for affordable American Family or State Farm insurance could end up saving you a lot of money. Many people don’t realize how important it is to compare rates once in a while. You could be paying too much for your auto insurance.

A lot of questions come with starting a new policy or changing your current one. You may need to have comprehensive auto insurance explained or have your policy broken down so it is easier to understand.

An outstanding customer service team will be able to answer all of your questions with ease. So, we will compare what consumers think about these two companies and their ability to support their customers.

Choosing between affordable State Farm insurance and American Family insurance will be simplified with the information included in this guide. Additionally, you can enter your ZIP code to compare other companies best rates quickly right now.

American Family vs State Farm Average Rates

As noted, rates will vary based on a variety of different factors. Depending on items like age your monthly payment could be quite different between these companies.

Let’s look at American Family vs State farm and how they compare to the national average when it comes to rates. Specifically, rates for different age groups.

Age GroupAmerican Family RatesState Farm RatesAverage National Rates
Male - 25 years old$1,759.05$1,396.17$1,554.26
Female - 25 years old$1,658.14$1,261.94$1,487.05
Male - 35 years old$1,392.34$1,138.51$1,277.53
Female - 35 years old$1,353.14$1,139.17$1,273.96
Male - 60 years old$1,272.68$1,037.54$1,182.64
Female - 60 years old$1,271.51$1,038.13$1,149.02
Get Your Rates Quote Now
Compare RatesStart Now →

If price is what matters most to you, State Farm is likely your best choice. Choosing affordable State Farm insurance will give you solid coverage from a reliable company regardless of your age.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

American Family vs State Farm Insurance Discounts

Obviously, insurance discounts are on everyone’s mind when considering changing companies. While many auto insurance providers offer similar discounts, you may be surprised what hidden gems each company has.

Getting familiar with the different discounts that are available can ensure you get the best rates around. Let’s look at American Family vs State Farm discounts and how much you can save with them.

American Family Discounts

American Family Insurance not only offers auto insurance, but also provides homeowners, renters, and other insurance products. With all these products comes a lot of discounts: 48 discounts to be exact.

Because they offer so many, we picked auto-related discounts for our list of discounts below. You can always check out their discounts page to find out what discounts you can get on other types of insurance.

  • Auto Safety Equipment
  • AutoPay
  • Away at School
  • Bundling
  • Loyalty
  • Defensive Driver
  • Early-Bird
  • Full-Pay
  • Generational
  • Good Driving
  • Good Student
  • Know Your Drive
  • Low Mileage
  • Multi-Vehicle
  • Paperless

State Farm Discounts

Now that you have seen what American Family has to offer in the way of discounts, let’s look at State Farm. Like American Family, State Farm offers a variety of different insurance products. Therefore, we have focused on the auto insurance discounts that they offer.

  • Accident-Free
  • Defensive Driving Course
  • Good Student
  • Good Driving
  • Driver Training
  • Student Away at School
  • Vehicle Safety
  • Passive Restraint
  • Anti-Theft
  • Multi-Auto Policy
  • Multiple Line
  • Newer Vehicle
  • Safe Driver
  • Low Mileage
  • Military
  • Paperless/Auto Billing

As you can see, many of the discounts available between these two companies are similar. Knowing that you can save money with simple things like using your American Family or State Farm login and password to save money is the key to great rates.

How does my driving record affect my auto insurance rates?

Many people understand that how they drive will affect how much they are paying for insurance. However, current events may not impact you as much as your driving record as a whole.

Insurance companies like American Family and State Farm, look over your entire driving record and determine how big of a risk it is going to be to insure you. The better driver you have been throughout your years of driving, the cheaper your insurance will be.

Below is a chart comparing rates between the national average, American Family, and State farm based on a few different driving record scenarios.

 American FamilyState FarmNational Average
Clean Driving Record$1,451.14$1,168.58$1,320.74
One Speeding Violation$1,627.66$1,299.29$1,603.58
One At-Fault Accident$1,656.63$1,404.93$1,872.32
One DUI or DWI$1,715.26$1,568.29$2,111.70
Get Your Rates Quote Now
Compare RatesStart Now →

State Farm Insurance offers the best rates, even when you have a less than stellar driving record. American Family is the priciest so, it may not be the best choice when searching for exceptionally affordable rates.

Who has better customer satisfaction rates, American Family or State Farm?

Consumers that have great interactions with their insurance companies tend to be more loyal. Additionally, a company that goes the extra mile for their customers, stands out.

Maybe you have been asking yourself, “How much auto insurance coverage do I need?” or “Am I getting the best rates?” A stellar customer service team will be able to assist you with these questions and you won’t feel like a burden.

We have all had strings of bad luck in our lives, knowing that your insurance providers isn’t going to hassle you over an accident is key. You don’t want to fight trying to get a claim paid, you want to have a partner to help you deal with life’s accidents.

So, when it comes to customer satisfaction how does American Family rank against State Farm? Overall, consumers are more satisfied with State Farm when it comes to their experiences.

We reviewed what J.D Power, the Better Business Bureau, and their actual customers had to say about American Family. What we have found is that their premiums are high and their customer services is less than perfect.

State Farm, on the other hand, is rated much  better when it comes to customer satisfaction. Their rates are much more affordable and they are quite helpful to their customers. JD Power ranks them as an above average company in terms of customer satisfaction.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Which insurance company is better, American Family or State Farm.

When you look at this information as a whole, it is pretty easy to say that State Farm is the clear winner. Not only do they offer better rates but they are going to provide you with better customer service. You will have access to more discounts and friendlier staff.

Even if you have some negative marks on your driving record or you are young, it is likely that you will be able to get an affordable State Farm auto insurance policy.

Maybe neither of these companies have exactly what you are looking for. If not, enter your ZIP code now and compare rates from other affordable auto insurance companies.

Leave a Reply

Your email address will not be published. Required fields are marked *

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption