Allstate vs. American Family: Which Car Insurance Is Cheaper?
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UPDATED: Jul 13, 2021
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- Allstate and American Family have excellent ratings by government, financial, and consumer agencies
- American Family’s car insurance for drivers of any age (even teens) is 30% cheaper than Allstate’s
- Allstate has an impressive number of discounts with substantial savings of up to 45%
- 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 car insurance companies to consider. Which company will provide the cheapest car insurance for you?
You probably know the basics now that you’ve landed here ready to compare two great contenders, American Family vs. Allstate, and choose the car insurance company that will have your back when you need it.
Allstate vs. American Family car insurance companies are both on the list of the best car insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength?
Let’s compare affordable Allstate vs. American Family car insurance rates.
American Family’s car insurance rates are cheaper than Allstate’s car insurance rates through all of our comparison points.
Keep reading to compare Allstate vs. American Family car insurance quotes, or enter your ZIP code to start comparing multiple companies in your area.
Is Allstate or American Family car insurance cheaper based on age?
Wouldn’t you agree that as we age, we become more experienced?
Car insurance companies believe this, especially when it comes to determining your car insurance rates. They believe the more years of driving experience we have, the more cautious and safe we are on the road.
I think we can all agree on that.
However, I doubt we will all agree that it’s fair to base car insurance rates on gender and marital status. Some states have outlawed this practice, but most have not.
|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 car insurance rates are 30% cheaper than Allstate’s car insurance rates for drivers 25 and older.
Coming in at 30% cheaper than Allstate, American Family is the better choice if you have a teen driver on your policy.
Is Allstate or American Family car insurance cheaper based on driving record?
No matter what car insurance company you select, it’s a widely accepted fact that your car insurance rates will increase if you get a speeding ticket, cause an accident, or get a DUI.
These infractions tell the insurance company you’re a potential liability. Allstate and American Family are no exception to this.
|Infraction||Allstate Average Annual Rates||American Family Average Annual Rates|
|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 car insurance rates than Allstate for drivers with any type of driving record.
Allstate and American Family increase rates for drivers by only 12% to 17% if they get a speeding ticket and 31% to 38% if they cause an accident.
However, both Allstate and American Family take DUIs very seriously. Expect your rates to increase by 61% to 64% if you get a DUI while you’re insured by either company.
Is Allstate or American Family car insurance cheaper based on credit score?
Your credit score reflects your ability to manage your finances and make good choices, as well as pay your bills on time. Car insurance companies assume that a financially responsible individual is a safer driver and more likely to pay their insurance premium.
A financial trauma like divorce or sudden unexpected medical bills is likely to decrease your credit score.
You may be thinking that doesn’t seem fair, and you wouldn’t be the only one. Like gender and marital status, some states have banned car 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.
|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 for every type of credit history.
If your credit score tanks while you’re with either company, expect your rates to increase by 66% to 68%.
If you notice your premium has gone up when it’s time to renew your six-month policy, it could be because your credit score dropped.
You can use your Allstate or American Family login to make adjustments to your deductible and coverage levels temporarily if needed. This will reduce your premium 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.
State laws determine much of the process involved in obtaining car insurance coverage, so where you live is a very influential factor when it comes to your car insurance rates.
Be sure to check out our car insurance by state page before judging Allstate and American Family car insurance rates based on credit score alone.
Does Allstate or American Family have better car insurance discounts?
Every car insurance company has its own distinct brand, history, and values, and these factors can influence what discounts the car insurance company offers.
This is why it pays to shop around. Let’s take a look at Allstate vs. American Family car insurance discounts.
|Discounts||Allstate (%)||American Family (%)|
|Daytime Running Lights||2||N/A|
|Electronic Stability Control||2||N/A|
|On Time Payments||5||N/A|
Our source provides only three discount values for American Family, but be sure to contact the company and ask about all of the discounts you could be eligible for.
When comparing all discounts from the companies, Allstate has a total of 24 car 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% for being a safe driver, being claim-free, having a newer vehicle, having airbags, or being a student.
Both Allstate and American Family offer the same discount (30% ) for having airbags. However, Allstate provides only a 20% discount for using its driving app or driving device. The same discount with American Family will save you 40%.
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What types of car insurance coverages are offered by Allstate and American Family?
Since both Allstate and American Family are on the big contender list for market share, both likely offer the standard six coverages that are listed below, in addition to much more.
- Liability car insurance coverage (bodily injury and property damage)
- Comprehensive car insurance coverage
- Collision car insurance coverage
- Uninsured/underinsured car insurance coverage
- Medical payments (MedPay) car insurance coverage (particularly important in states that require no-fault car insurance)
- Personal injury protection (PIP) car insurance coverage
However, be sure to take a closer look at 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 car insurance mobile apps?
Most of the top 10 car insurance companies have mobile apps to make payments, adjust coverage levels, or show electronic verification of car insurance coverage. However, most car insurance companies also have a separate app for their usage-based car insurance programs.
Usually, your Allstate insurance login or American Family insurance login will work with both the general app and the driving app.
How do Allstate and American Family car insurance compare in financial strength and customer satisfaction?
If car insurance companies can judge their customers based on gender, marital status, and credit score, then it’s only fair customers get to judge them as well. Next we will list Allstate and American Family insurance ratings from the top agencies that judge the credibility of all car 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 award 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 its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.
The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers and the total number of complaints. In 2017, the national average complaint ratio was one. The lower the ratio, the better.
|Rating Agency||Allstate||American Family|
|AM Best Rating||A+||A|
|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.
Before you decide to buy Allstate vs. American Family car insurance, you can always use our free comparison tool to see rates from multiple car insurance companies in your area.
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