American Family vs. Farmers Car Insurance [2021]

Our American Family vs. Farmers car insurance comparison discusses coverage types, rates, discounts, industry ratings, how to get quotes, and more. While American Family has better average rates, you may still be able to get better premiums from Farmers depending on which discounts you qualify for. Read more below to find out if American Family insurance or Farmers insurance is right for you.

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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...

  • Both companies offer basic car insurance coverage types, but they may also individually offer specialty coverage types.
  • American Family has better average annual rates than Farmers, but either company could have better rates, depending on which discounts you qualify for.
  • Both companies have great industry ratings, but American Family has fewer customer complaints than Farmers relative to company size.

While searching for affordable car insurance companies, American Family and Farmers may appear on your radar. Below, we hope to give you the information you need to make the right decision for you.

In our American Family vs. Farmers car insurance comparison, we’ll discuss their coverage options, rates, discounts, industry ratings, how to get quotes, and more.

Before you begin reading, be sure to enter your ZIP code into our free quote comparison tool above to find cheap car insurance near you.

What types of coverage does American Family and Farmers offer?

Both companies offer basic car insurance coverage types, such as liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage.

They both also offer roadside assistance, rental car reimbursement, rideshare coverage, vehicle repair and OEM coverage options, umbrella insurance, classic and collectible car insurance, and accident forgiveness.

American Family insurance offers gap coverage, commercial auto insurance, and travel coverage.

Farmers insurance offers personal injury protection (PIP) coverage.

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Who has better car insurance rates?

Let’s compare American Family and Farmers average annual car insurance rates below:

American Family vs. Farmers Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAmerican Family Average Annual RatesFarmers Average Annual Rates
Single 17-year-old female$5,996.50$8,521.97
Single 17-year-old male$8,130.50$9,144.04
Single 25-year-old female$2,288.65$2,946.80
Single 25-year-old male$2,694.72$3,041.44
Married 35-year-old female$2,202.70$2,556.98
Married 35-year-old male$2,224.31$2,557.75
Married 60-year-old female$1,992.92$2,336.80
Married 60-year-old male$2,014.38$2,448.39
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In general, it appears that American Family car insurance rates are more affordable than Farmers car insurance rates.

Which company has better discounts?

Both companies offer the following discounts:

  • Multi-car discount
  • Multi-policy discount
  • Passive restraint/auto safety equipment discounts
  • Defensive driver discount
  • Safe driver discount
  • Good student discount
  • Student away-at-school discount
  • Generational/youthful driver discounts
  • Autopay discount
  • Paid-in-full discount
  • Paperless discount

The American Family car insurance company also offers the following discounts:

  • Loyalty discount
  • Early quote discount
  • Competitor switch discount
  • Low mileage discount
  • KnowYourDrive discount
  • TeenSafeDriver discount
  • Young volunteer discount

The Farmers car insurance company offers the following discounts:

  • Signal discount
  • Affinity organization membership discount
  • Good payer discount
  • Shared family car discount
  • On Your Own discount
  • Senior discount
  • Homeowner discount
  • Electric or hybrid vehicle discount (CA only)
  • Anti-lock brake discount
  • Anti-theft system discount
  • Daytime running lights discount
  • Homing device discount
  • VIN etching discount

Even though American Family has lower standard rates, Farmers may be able to give you a better premium depending on which discounts you qualify for.

Does American Family or Farmers have better industry ratings?

American Family is not accredited by the BBB. However, their headquarters has an A rating. American Family has an A rating from A.M. Best as well, meaning they have excellent financial strength and ability to meet financial obligations.

Farmers is accredited by the BBB. They have an A+ rating. They have an A rating from A.M. Best, meaning they also have excellent financial strength and ability to meet financial obligations.

Are customers happy with these companies?

On the BBB website, American Family has 207 complaints from the past three years with a 1.05/5 star rating. The NAIC complaint index gives American Family a 0.69, which, compared to the national average of 1.00, means they have fewer complaints than companies of the same size.

On the BBB website, Farmers has 654 complaints from the past three years with a 1.46/5 star rating. Farmers’ complaint ratio is around 0.98, meaning they have more complaints than American Family but still slightly less than the national average for companies of the same size.

How can I get quotes and file claims?

American Family car insurance quotes can be found online at www.amfam.com, by calling (800) 692-6326, or by contacting an agent that sells American Family insurance.

You can file American Family insurance claims by using their MyAmFam app, logging into your online account, using the online claims form at www.amfam.com, contacting your agent, or calling (800) 692-6326.

Farmers car insurance quotes can be found online at www.farmers.com, by calling (888) 327-6335, or by contacting an agent that sells Farmers insurance.

You can file Farmers insurance claims by using their online claims forms and your account at www.farmers.com, calling (800) 435-7764, or contacting your claims representative.

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Conclusion: American Family vs. Farmers Car Insurance

While both companies offer basic car insurance coverage types, each has their own specialty coverages as well. The same goes for discounts.

While American Family has better average rates than Farmers, you may still be able to find lower rates from Farmers depending on which discounts you qualify for.

Both companies have good ratings from both the BBB and A.M. Best, but American Family has a lower complaint ratio than Farmers, meaning that customers may be happier with American Family.

Getting quotes and filing claims is easy with both companies. You can usually find the appropriate forms, contact information, and resources right on their websites.

You should still compare these two companies to others to make sure that you’re getting the right coverage and rates for you. Enter your ZIP code into our free quote comparison tool below.

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