American Family vs. The General Car Insurance [2021]

In a comparison of American Family vs. The General car insurance, The General comes out on top. Both companies offer a comparable number of auto insurance discounts, and both companies hold an identical "A" rating from A.M. Best. However, The General offers more affordable rates than American Family auto insurance.

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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 22, 2021

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Here's What You Need to Know

  • The General offers more affordable rates than American Family Insurance
  • A.M. Best gave both companies the same Financial Strength Rating
  • Both companies offer numerous discounts to choose from

Part of what makes comparing car insurance companies difficult is the number of options on the market. To simplify matters, we will be focusing on American Family vs. The General today.

Our American Family vs, The General car insurance review will go over pricing and A.M. Best ratings so you can get an idea of which is better.

Before we dive into American Family vs. The General car insurance rates comparison, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable car insurance quotes in your area.

American Family vs. The General: Which company offers cheaper car insurance rates

The simplest place to start when pitting two companies together is pricing. Let’s look at a table that compares monthly car insurance rates for liability-only coverage.

Average Monthly Liability-Only Auto Insurance Rates
CompanyAverage Monthly Rates, Liability-Only
American Family$50
Ameriprise$110
Esurance$135
MetLife$69
Safe Auto$115
Safeco$40
The General$35
The Hanover$116
The Hartford$45
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How easy is it to find affordable American Family vs. The General car insurance quotes? As you can see, basic coverage can start at $15 less per month with The General.

Now that we know The General is cheaper, let’s see if it is more well-reviewed.

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American Family vs. The General: Which company is more well-reviewed?

Now, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give consumers confidence in an insurer’s ability to meet its financial obligations.

American Family auto insurance received a rating of “A” (Excellent), which is the second-highest of seven rating tiers. How did The General fare in comparison? As it turns out, The General received the same Financial Strength Rating.

Let’s wrap up with company discounts and see if The General can cement its lead.

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American Family vs. The General: What discounts do these companies offer?

Now that we’ve seen what prices you can expect, how can you lower them? Discounts are the best way to do so. 

For instance, amongst American Family’s discounts is one for an anti-theft device, one for electronic stability control, and an anti-lock brakes insurance discount. Better yet, these are accessible on the app with your American Family login information.

The General, however, has discounts for passive restraint, anti-lock brakes, and its own version of an anti-theft device discount.

In short, the companies both offer numerous discounts and hold identical ratings from A.M. Best. However, The General is cheaper.

We hope you learned all you needed to decide between whether to buy American Family vs. The General car insurance. Type your ZIP code into our free and helpful tool below for quotes in your area.

American Family vs. The General: Frequently Asked Questions

What follows is a frequently asked question about The General.

#3 – Is there The General roadside assistance?

There is The General 24-hour roadside assistance to help policyholders. Roadside assistance must be added to an existing policy.

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