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Allstate vs. American Family: Which Car Insurance Is Cheaper?

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jul 13, 2021

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Key Takeaways

  • 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.

Allstate vs. American Family Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesAmerican 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
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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.

Allstate vs. American Family Average Annual Car Insurance Rates by Driving Record
InfractionAllstate Average Annual RatesAmerican 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
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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.

Allstate vs. American Family Average Annual Car Insurance Rates by Credit History
Credit ScoreAllstate Average Annual RatesAmerican 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
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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.

Allstate vs. American Family Auto Insurance Discounts
DiscountsAllstate (%)American Family (%)
Anti-lock Brakes10Yes
Anti-Theft10Yes
Claim Free35Yes
Continuous CoverageN/AYes
Daytime Running Lights2N/A
Defensive Driver1010
Distant Student35N/A
Driver's Ed10N/A
Driving Device/App2040
Early Signing10N/A
Electronic Stability Control2N/A
Emergency DeploymentN/AYes
Engaged CoupleN/AYes
Family LegacyN/AYes
Family PlanN/AYes
Farm Vehicle10Yes
Fast 5N/AYes
Federal EmployeeN/AYes
Full Payment10N/A
Further EducationN/AYes
Garaging/StoringN/AYes
Good Student20N/A
Green Vehicle10N/A
HomeownerN/AYes
LoyaltyN/AYes
MilitaryN/AYes
Military GaragingN/AYes
Multiple Policies10N/A
New GraduateN/AYes
Newer Vehicle30Yes
On Time Payments5N/A
Paperless Documents10N/A
Paperless/Auto Billing5N/A
Passive Restraint3030
Recent RetireesN/AYes
RenterN/AYes
Roadside AssistanceN/AYes
Safe Driver45N/A
Senior Driver10N/A
Stable ResidenceN/AYes
Utility Vehicle15N/A
Vehicle Recovery10Yes
VIN EtchingN/AYes
VolunteerN/AYes
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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.

Allstate vs. American Family Ratings
Rating AgencyAllstateAmerican Family
AM Best RatingA+A
Consumer Reports8889
NAIC Company Complaint Ratio0.50.79
NAIC Total Complaints16373
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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.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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