Allstate vs. Ameriprise Car Insurance [2021]

Allstate and Ameriprise car insurance have an "A" rating at A.M. Best, but Ameriprise provides cheaper car insurance through American Family car insurance. On average, Allstate auto insurance is $77 more expensive than Ameriprise auto insurance. However, Allstate and Ameriprise auto insurance vary for each person. Compare Allstate vs. Ameriprise car insurance to find the best rates.

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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: Jun 9, 2021

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Here's what you need to know...

  • Allstate is one of the best car insurance companies in the United States
  • Ameriprise is now known as CONNECT
  • On average, Ameriprise car insurance is $77 cheaper than Allstate
  • Although Ameriprise insurance is cheaper, Allstate insurance has better ratings

Do you want to compare Allstate vs. Ameriprise car insurance to see which is better? Allstate insurance has an excellent car insurance program, but Ameriprise insurance provides competitive pricing.

A lot of factors go into whether affordable Allstate vs. Ameriprise car insurance is available to you. But don’t worry – we’re here to help.

This car insurance guide compares Allstate vs. Ameriprise car insurance quotes, discounts, coverage options, other insurance products, and third-party ratings.

Read on to learn more about Allstate vs. Ameriprise car insurance rates. Enter your ZIP code to compare multiple companies in your local area and expand your car insurance shopping.

Allstate vs. Ameriprise Car Insurance: Which car insurance company has cheaper rates?

Allstate auto insurance has sample rates all over the internet. However, Ameriprise auto insurance reviews have little to no information on sample rates.

On average, Ameriprise car insurance is $77 cheaper than Allstate car insurance per month.

That’s because Ameriprise has changed to CONNECT insurance – a company that provides car insurance through Costco. CONNECT car insurance (Ameriprise car insurance) underwrites American Family car insurance policies.

Continue reading the subsections below to see Allstate vs. Ameriprise auto insurance rates by various factors.

Which car insurance company is cheaper based on age, gender, and marital status?

Age, gender, and marital status determine the driving experience and the risk of filing claims. However, Allstate and Ameriprise auto insurance respond differently to these factors. Let’s compare.

Allstate vs. American Family Average Monthly 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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Since Ameriprise is affiliated with CONNECT and American Family, car insurance rates are less expensive than Allstate car insurance.

And if you’re a senior driver, you’ll pay the least for auto insurance at both companies.

Are Allstate and Ameriprise car insurance rates cheaper based on credit history?

According to the Federal Trade Commission (FTC), auto insurance companies use credit scores to determine policy costs.

The better your score, the less likely you’ll file a claim. But how do Allstate and Ameriprise respond to credit history? Let’s see.

Allstate vs. American Family Average Monthly Car Insurance Rates by Credit Score
Credit Score SummaryAllstate Monthly Car Insurance RatesAmerican Family Monthly Car Insurance Rates
Good Credit Score (670-739)$322$224
Fair Credit Score (580-669)$382$264
Poor Credit Score (300-579)$541$372
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Just as the FTC predicted, American Family (Ameriprise) and Allstate have cheaper rates for drivers with good credit. However, customers with fair and poor credit pay more expensive rates.

Does your driving record affect Allstate and Ameriprise car insurance?

One of the most significant factors to car insurance is your driving history. A driving record is the best way to determine risk. However, Allstate and Ameriprise have various ways that they calculate the cost. Let’s review.

Allstate vs. American Family Average Monthly 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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Of course, a clean driving record produces the cheapest rates. Accidents and DUI convictions drive up your Ameriprise and Allstate car insurance rates the most. Overall, American Family car insurance is more affordable.

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Comparing Allstate and Ameriprise Discounts

Speaking of cheaper car insurance, you can use discounts to lower Allstate and Ameriprise car insurance. But which company has more bargains? Let’s compare.

Allstate vs. American Family Car Insurance Discounts
Discount NameAllstate AvailabilityAmerican Family Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Homeowner
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Volunteer
Young Driver
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Allstate has two more discounts than American Family. Before CONNECT acquired Ameriprise, there were 18 auto insurance deals available at the company.

American Family’s most valuable deal is the driving device/app (40% off), but Allstate’s best discount is the safe driver discount (45% off).

You can even save money using a paperless payment method, such as automatic payments by electronic fund transfer (EFT) or paying online. To pay online, you’ll need to create an American Family or Allstate login.

In addition to making payments, you can use online accounts to manage American Family and Allstate claims.

Allstate vs. Ameriprise Insurance Products

Ameriprise insurance has long-term care insurance, disability insurance, life insurance, annuities, banking, and investment management services.

Since these features and services are written at Ameriprise, you may not be able to bundle your American Family or CONNECT car insurance to your policy.

Here are the insurance products you can find at Allstate and American Family.

  • Boat Insurance
  • Condo Insurance
  • Life Insurance
  • Homeowners Insurance
  • Travel Trailer Insurance
  • Renters Insurance
  • RV Insurance
  • Motorcycle Insurance
  • Mobile Home Insurance

Allstate and American Family insurance have the same line of insurance products. However, Allstate has shown that it’s more expensive than American Family.

If you want a closer look at Allstate, American Family, and Ameriprise, check out our Allstate car insurance review, American Family car insurance review, or Ameriprise car insurance review.

Does Allstate have more car insurance coverage options than Ameriprise?

Ameriprise will send you to CONNECT when you want car insurance coverage. And since CONNECT underwrites for American Family, we’ll compare American Family’s coverage options to Allstate. Let’s review

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 Auto Insurance
Travel Car Insurance to MexicoRideshare Insurance
Rental Car Reimbursement Coverage
OEM Coverage
Travel Coverage
ForeverCar
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Allstate has fewer coverage options than American Family. Required and optional auto insurance coverage varies for each state.

For example, American Family provides SR-22 insurance, but only in select states. Allstate apps, such as Drivewise, are available in a few states.

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Comparing Allstate and Ameriprise Financial Strength and Customer Reviews

Before buying car insurance, you should compare American Family and Allstate’s financial strength and customer reviews.

This helps you understand how both companies manage money and how they respond to customer complaints.

We researched for you and put the most reliable ratings together. Let’s see how Allstate and American Family insurance compare.

Allstate vs. American Family Financial Strength Ratings and Customer Reviews
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
2020 J.D. Power Overall Customer Satisfaction Score876 (above industry average)862 (below industry average)
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Overall, Allstate has better ratings, but American Family’s ratings aren’t too far from Allstate.

Ameriprise, American Family, and Allstate are not accredited by the Better Business Bureau (BBB), but they have ratings.

Allstate has an “A+” rating and a 1.13 customer review rating, but American Family has an “A” rating with a customer review rating of 1.14. Ameriprise has an “A-” and a one-star customer review rating.

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

Ameriprise may not have the car insurance power that Allstate has, but American Family car insurance can easily compete with Allstate.

However, Allstate manages money better, and it has better customer satisfaction ratings.

Hopefully, we have helped you decide whether to buy Allstate vs. Ameriprise car insurance. Use our free online quote tool to compare multiple companies near you and find affordable car insurance today.

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