Allstate vs. American Family Car Insurance [2021]

Comparing car insurance companies is essential to finding the right company for you. Our Allstate vs. American Family car insurance comparison will discuss each company's coverage options, rates, discounts, and industry ratings. While American Family generally has better rates, Allstate has slightly higher BBB and A.M. Best ratings. Read more below.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 13, 2021

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Here's what you need to know...

  • Allstate and American Family both offer basic car insurance coverages, but vary in their features and optional services.
  • American Family generally has lower rates than Allstate, but you should compare discounts to see who is better for your unique situation.
  • Allstate has slightly higher ratings from the BBB and A.M. Best, but they also have a significantly higher complaint ratio than American Family.

Comparing car insurance companies before your purchase is essential to finding the right company for you.

In our Allstate vs. American Family car insurance comparison, we’ll discuss who has better coverage options, rates, discounts, and industry ratings to give you an idea of which company might be best for you.

To compare rates from other companies in your area, use our free quote comparison tool above by entering your ZIP code.

Which company has better car insurance coverage options?

Allstate and American Family each offer varying coverage options.

They both have the basics, including collision coverage, liability coverage, comprehensive coverage, medical payments, uninsured/underinsured motorist coverage, roadside assistance, rental car reimbursement, and rideshare insurance.

They both also offer umbrella policies, antique or collector car insurance, accidental death/dismemberment/disability coverage, and emergency lockout coverage.

Allstate insurance also offers no fault coverage, mechanical breakdown insurance, loss of use coverage, new car replacement coverage, sound system coverage, preferred repair services, and accident forgiveness.

American Family offers gap insurance, emergency assistance coverage, comprehensive claim forgiveness, work loss coverage, legal defense costs coverage, and SR-22 coverage.

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Does Allstate or American Family have better rates?

Let’s take a look at the Allstate vs. American Family annual car insurance rates by demographic to get an idea of what you might pay with each company.

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$9,282.19$5,996.50
Single 17-year-old male$10,642.53$8,130.50
Single 25-year-old female$3,424.87$2,288.65
Single 25-year-old male$3,570.93$2,694.72
Married 35-year-old female$3,156.09$2,202.70
Married 35-year-old male$3,123.01$2,224.31
Married 60-year-old female$2,913.37$1,992.92
Married 60-year-old male$2,990.64$2,014.38
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As you can see in the chart above, Allstate car insurance rates are generally more expensive than American Family car insurance rates.

Who offers better discounts?

Allstate and American Family may offer similar discounts, but they may vary in how much they’ll take off for the type of discount. Let’s explore in more detail below.

What disounts does Allstate offer?

The Allstate car insurance company will give up to 5 percent off for the following discounts:

  • Good payer discount
  • Preferred payment discount
  • Student-away-at-school discount
  • Senior adult discount

They will give up to 10 percent off for the following discounts:

  • E-billing discount
  • Anti-theft device discount
  • EV/Hybrid discount
  • Multiple policy discount
  • Farm vehicle discount
  • Safe driver discount
  • Good student discount
  • Low mileage discount
  • Multiple vehicle discount
  • Passive restraint discount
  • Prepay discount
  • Paid in full discount
  • Early quote discount
  • Anti-lock brake discount

They also offer these additional discounts:

  • New car discount – up to 15 percent off
  • Defensive driver discount – up to 20 percent off
  • Accident forgiveness – up to 30 percent off
  • teenSMART discount – up to 35 percent off
  • Utility vehicle discount – varies
  • Paperless document discount – varies
  • Driving training discount – varies
  • Deductible discount – varies
  • Family discount – varies

Now, let’s compare these to American Family discounts.

What discounts does American Family offer?

The American Family car insurance company will give up to 3 percent off for the following discounts:

  • Accident free discount
  • Daytime running lights discount
  • Paperless documents discount

They will give up to 5 percent for the following discounts:

  • Sponsored marketing discount
  • Loyalty discount
  • Travelink discount
  • Provider switch discount
  • Electronic stability control
  • Driving habits discount
  • New graduate discount
  • Homeowner discount
  • Preferred payment discount
  • Paid in full discount
  • Early quote discount
  • Anti-lock brake discount

American Family will give up to 25 percent for the following discounts:

  • Military discount
  • Senior adult discount
  • Anti-theft device discount
  • Good student discount

They also offer the following additional discounts:

  • Good driver discount – up to 2 percent off
  • Low mileage discount – up to 8 percent off
  • Defensive driver discount – up to 10 percent off
  • Occupation discount – up to 10 percent off
  • Multiple vehicle discount – up to 13 percent off
  • Multiple policy discount – up to 15 percent off
  • Passive restraint discount – up to 30 percent off
  • teenSMART discount – varies
  • Accident forgiveness – varies
  • Accident (merit) rating – varies

Whether Allstate or American Family has better discounts will depend on which type of discount you’re looking for. One of them may not offer a discount altogether, or they may just vary in the percentage off.

Which company has better ratings?

Let’s compare Allstate and American Family based on industry ratings.

Allstate vs. American Family BBB Ratings

Allstate headquarters, located in Northbrook, IL, has an A+ rating on the BBB website. However, there are a large number of customer complaints with 466 being closed in the last year, giving the company a 1.2/5 star rating.

American Family headquarters, located in Madison, WI, has an A rating on the BBB website. However, they have fewer customer complaints with only 45 being closed in the last year, giving the company a 1.05/5 star rating.

Complaint ratios adjusted for the size of the company are usually around 1.00. Allstate’s complaint ratio is 2.02, while American Family’s complaint ratio is 1.36.

Allstate vs. American Family Financial Strength

According to A.M. Best, Allstate has a financial strength rating of A+, while American Family has a financial strength rating of A. 

This means that, even though Allstate has a slightly higher rating, both companies are believed to be able to adequately pay claims and meet financial obligations.

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How can I get quotes?

Allstate car insurance quotes can be found by using their website (www.allstate.com) or by contacting an Allstate agent near you.

American Family car insurance quotes can be found by using their website (www.amfam.com) or by contacting them at (800) 692-6326.

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Conclusion: Allstate vs. American Family Car Insurance

Allstate and American Family both offer basic car insurance coverage types, but they may also have varying features that you can add to your policy.

American Family generally has better rates than Allstate, but depending on the discounts you’d be eligible for, Allstate may be a better choice for you.

Allstate has slightly higher ratings on both the BBB website and A.M. Best, but they also have a significantly higher complaint ratio, meaning American Family customers may be happier with their choice.

If you need help finding affordable car insurance, enter your ZIP code into our free quote comparison tool below.

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