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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Aug 20, 2021

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The Truth in a Nutshell

  • Allstate and American Family both 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

Are you trying to choose between Allstate and American Family for your car insurance? Both companies are good choices based on financial strength, but a specific discount may be what leads you to choose one over the other.

In our Allstate vs. American Family car insurance guide, we compare rates based on demographics particular to you: age, gender, marital status, driving record, and credit score. We also compare available discounts for each company.

All of the top 10 car insurance companies are also rated by third-party agencies to help you decide.

Ready to buy car insurance? Keep reading to compare Allstate car insurance and American Family car insurance, or enter your ZIP code to start comparing affordable car insurance quotes companies in your area.

Is Allstate or American Family car insurance cheaper based on age?

The largest car insurance companies use age as one of the biggest factors that determine your car insurance rates. This is because as we gain more years of experience as drivers, we become safer and more aware.

In many states, it’s legal to determine car insurance rates using gender and marital status, though some states have made it illegal. Compare Allstate insurance rates and American Family insurance rates based on age, gender, and marital status.

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 is one of the few car insurance companies that give young male drivers a break. Otherwise, Allstate and American Family have closely comparable rates. American Family rates based on age are around 10 percent cheaper than Allstate.

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Is Allstate or American Family car insurance cheaper based on driving record?

You become a higher risk driver when you incur speeding tickets, accidents, or DUIs on your driving record. If this is your situation, consider taking a defensive driving course or applying for SR-22 car insurance. These options are mainly determined by your state laws.

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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American Family offers cheaper car insurance than Allstate no matter what type of driving record you have.

If you get a speeding ticket while with American Family or Allstate, expect your rates to increase between 12 and 17 percent. If you cause an accident, your rates will increase between 31 and 38 percent.

DUIs are a different story.

Both companies take DUIs pretty seriously. While with either company, your car insurance rates will increase between 61 and 64 percent if you get a DUI.

Is Allstate or American Family car insurance cheaper based on credit score?

In some states, car insurance companies are allowed to use your credit score to determine your car insurance rates. If you experience financial trauma such as medical challenges or a divorce, your credit score may drop considerably in a short period of time.

There is an assumption that the higher your credit score, the more responsible you are, therefore making you a safer driver, and less likely to file a claim.

Totally unfair, right?

Along with gender and marital status, some state laws have banned rates based on credit score. Let’s take a look at how Allstate and American Family handle drivers with low credit scores.

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, no matter what your credit history, American Family offers cheaper car insurance rates than Allstate.

If you experience financial hardship and your credit score drops, expect your rates to increase by 66 to 68 percent while with either company.

If you notice your rates increase and you aren’t sure why- it could be because of a drop in credit score.

When it’s time to renew your six-month policy, you can use your Allstate or American Family insurance account to alter deductibles and coverage levels until you get your score back up to a reasonable level.

What affects your car insurance rates more than your age and driving record is where you live.

Be sure to check your state laws because every state has its own minimum mandatory car insurance coverage requirements. You’ll want to research this before choosing a company based on cheaper rates because of your credit score.

Does Allstate or American Family have better car insurance discounts?

If you have a bad driving record or a poor credit score, taking advantage of available discounts offered by a car insurance company may offset high rates. A company’s philosophy and values often shape the discounts it’ll offer.

Allstate vs American Family Car Insurance Discounts
DiscountsAllstate Discounts Offered (Percentage)American Family Discounts Offered (Percentage)
Anti-lock Brakes10Yes
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
Good Student20N/A
Green Vehicle10N/A
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
Roadside AssistanceN/AYes
Safe Driver45N/A
Senior Driver10N/A
Stable ResidenceN/AYes
Utility Vehicle15N/A
Vehicle Recovery10Yes
VIN EtchingN/AYes
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Our source provides only three American Family discount amounts, so you should contact them to get a full list of its car insurance discounts.

When comparing all discounts that the companies offer, Allstate has a total of 14 auto insurance discounts while American Family has 18 discounts.

You can save between 30 and 45 percent with Allstate for being a safe driver, being claim-free, having a newer vehicle, having airbags, or being a distant student.

The airbags discount offered by Allstate and American Family is the same (30 percent), but American Family provides a 40 percent discount for using its driving app when Allstate provides only a 20 percent discount.

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What types of car insurance coverages are offered by Allstate and American Family?

Since both Allstate and American Family are two of the biggest companies in the car insurance market, they both will offer the regular six coverages that are listed below in addition to more types of car insurance coverage.

  • 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

The larger companies will also offer specialty coverages such as rental reimbursement, roadside assistance, guaranteed car 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?

The largest car insurance companies (and even some smaller ones) will have a general app so you can view your policy, make changes, or pay your bill all from your phone.

In the last decade or so, more and more car insurance companies (large and small) have begun offering usage-based car insurance. This type of car insurance is based on your driving habits and uses either the mechanisms in your phone or a device installed into your vehicle.

Read about Allstate’s DriveWise and compare it to American Family’s KnowYourDrive usage-based car insurance app before you decide which is the best for you.

But if you really prefer talking to someone about your car insurance needs, call the company directly to get more information.

How do Allstate and American Family car insurance compare in financial strength and customer satisfaction?

A company’s financial strength, customer satisfaction with the claims process, and customer complaints are just as important to consumers as saving the most money on rates and discounts.

The following three agencies provide insight into these factors:

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 American Family and Allstate 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 a company has, the better.

Allstate vs American Family Company 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 two of the leading companies when it comes to external ratings by government, financial, and consumer agencies.

Both Allstate and American Family offer a great experience with outstanding customer service. They both will likely remain among the top ten car insurance companies in the market for a long time to come.

When you’re unsure which company to choose, you can always use our free comparison tool to compare Allstate and American Family car insurance to other companies in your area to find the best car insurance quotes.