D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has appeared on legaladvice.com, themanifest.com, and vice.com.

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Mar 26, 2021

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Just the Basics

  • An Allstate quote is likely to be more expensive than an American Family quote
  • Receive a discount for paying a bill electronically through “Am Fam Pay Now”
  • You can manage your “my Allstate” account and American Family login using the web or mobile app

Are you trying to decide between Allstate Insurance and American Family Insurance?

Comparing Allstate vs. American Family car insurance can secure cheap rates because you’ll get to establish which company has a better policy that fits your needs.

Continue reading about Allstate vs. American Family car insurance rates to learn about factors that affect the price of car insurance, discounts, third-party ratings, and much more.

Why stop at Allstate vs. American Family car insurance quotes? Use our free comparison tool to compare the best car insurance companies near you.

Allstate vs. American Family Car Insurance: Which company is the cheapest?

American Family car insurance cost is cheaper than Allstate car insurance rates on average.

The national average for Allstate auto insurance is $407 per month, but American Family auto insurance is $287 per month.

However, your American Family and Allstate auto insurance quote is determined by several factors. Keep reading to learn how various factors impact monthly Allstate vs. American Family auto insurance rates.

Which company is cheapest by driving record?

The quickest way to affordable American Family car insurance quotes or affordable Allstate auto insurance quotes is a clean driving record. Car insurance companies reward good drivers with cheap car insurance rates each year.

Traffic violations and accidents can drive up your auto insurance rates by hundreds.

Let’s look at how Allstate and American Family calculate car insurance by driving record.

Allstate vs. American Family Car Insurance Rates by Driving Record
Driving Record SummaryAllstate Monthly Car Insurance RatesAmerican Family Monthly Car Insurance Rates
Clean Driving Record$318$224
With 1 Speeding Violation$374$252
With 1 Accident$416$310
With 1 DUI$522$361
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American Family car insurance produced the cheapest rates based on driving records. As expected, accidents and DUIs generated the most expensive rates for both companies.

Which company is cheapest by credit score?

Did you know auto insurance companies determine your rates through credit score? According to Experian, car insurance providers issue costly rates to policyholders with poor credit.

How come? Customers with fair or poor credit correlate to a higher frequency of claims. Therefore, a person with poor credit will pay more for auto insurance per month.

Let’s see how Allstate and American Family determine rates based on credit scores.

Allstate vs. American Family Car Insurance Rates by Credit Score
Credit Score SummaryAllstate Monthly Car Insurance RatesAmerican Family Monthly Car Insurance Rates
Good Credit (670-739)$322$224
Fair Credit Score (580-669)$382$264
Poor Credit Score (300-579)$541$372
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Allstate Insurance rates are over $100 more than American Family Insurance rates. If you can improve or maintain a good credit score, you’ll always have a way to save on car insurance.

Which company is cheapest by age, gender, and marital status?

Some states have banned gender-based car insurance, but age and marital status are still on board to determine premium costs.

Although gender limitations exist in some states, Allstate and American Family calculate auto insurance based on gender in states that allow it.

Let’s compare Allstate vs. American Family car insurance quotes based on age, gender, and marital status.

Allstate vs. American Family Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Monthly Car Insurance RatesAmerican Family Monthly Car Insurance Rates
Married 60-year-old female$243$166
Married 60-year-old male$249$168
Married 35-year-old male$260$185
Married 35-year-old female$263$184
Single 25-year-old female$285$191
Single 25-year-old male$298$225
Single 17-year-old female$774$500
Single 17-year-old male$887$678
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American Family car insurance costs are still more affordable than Allstate car insurance. Female senior drivers pay the least for car insurance, but male teen drivers have the most expensive rates than other age groups.

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Allstate vs. American Family Car Insurance: Which company has more discounts?

Although American Family auto insurance is cheaper at first glance, Allstate has more discounts. American Family has 27 bargains you can qualify for, but Allstate has 29 discounts.

The most effective discounts for both companies are:

  • Defensive Driver
  • Good Driver
  • Credit Score Discount
  • Anti-Theft Features
  • Safety Features

When you get a car insurance quote, your discount qualifications will deduct money from the policy’s total price.

You can even save money by paying electronically. If you create a my Allstate or use Am Fam Pay Now, both companies will give you small discounts for paperless payments.

If you renew your policy without any Allstate of American Family claims, you could receive a discount.

Allstate vs. American Family Car Insurance: Which company has more coverage options?

If you need more than bodily injury liability coverage, it’s probably a good idea to pick a company with several car insurance coverage options.

Let’s look at a side-by-side comparison of Allstate and American Family car insurance.

Comparing Allstate vs. American Family Car Insurance Coverage Options
Allstate Car Insurance CoveragesAmerican Family Car Insurance Coverages
Collision coverageComprehensive
Comprehensive coverageCollision
Bodily Injury LiabilityGap/Lease & Loan
Property Damage LiabilityUnderinsured
Uninsured & Underinsured Motorist CoverageUninsured Motorist
Rental Reimbursement CoverageBodily Injury
Personal Umbrella PolicyMedical Payments
Personal Injury Protection24/7 Emergency Roadside Assistance
Sound System InsuranceAccident Forgiveness
Roadside AssistanceClassic Car
Classic Car InsuranceCommercial Car Insurance
Travel Car Insurance to MexicoRideshare Insurance
Rental Car Reimbursement Coverage
OEM Coverage
Travel Coverage
ForeverCar
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American Family car insurance has more car insurance coverage flexibility. Does it make Allstate a bad company? Of course not. Good and bad is a matter of perspective- but if you want to know how these companies performed based on a professional review, continue reading.

Allstate vs. American Family Car Insurance: Financial Strength and Customer Satisfaction

Why are financial strength and customer satisfaction ratings important?

These ratings are unbiased reviews from companies that collect information all year about a company’s finances and consumer complaint data.

Let’s examine the latest reviews from the top rating agencies in the United States.

Comparing Allstate vs. American Family Financial Strength and Customer Satisfaction Ratings
AgenciesAllstate RatingsAmerican Family Ratings
A.M. BestA+A
FitchA+A+
Moody'sAa3Aa3
Standard & Poor'sAA-A+
Apple App Store Rating5 stars5 stars
Google Play Store Rating4 stars4 stars
J.D. PowerAbout AverageAbout Average
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When it comes to mobile app ratings, customer satisfaction, and credit ratings, Allstate and American Family are neck and neck.

However, Allstate has an advantage when it comes to financial strength. American Family has a two percent market share, but Allstate has a nine percent market share.

If you want to see J.D. Power’s ranking, check out their 2020 U.S. Auto Insurance Satisfaction Study™.

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Allstate vs. American Family Car Insurance: What’s the bottom line?

Allstate car insurance is the more expensive company, but it makes for high prices with discounts. American Family is best for its affordable rates per month and coverage options.

However, the cost of car insurance and level of coverage varies for each person.

If you’re unsure about comparing Allstate vs. American Family car insurance rates, enter your ZIP code in the free online quote tool below to compare multiple companies in your local area.