Ameriprise vs. Farmers Car Insurance [2021]

When comparing Ameriprise vs. Farmers car insurance, Ameriprise tends to have better base rates. Both Ameriprise and Farmers car insurance companies offer multiple discounts to help decrease out-of-pocket costs, making farmers quite affordable. For example, Farmers car insurance offers a green vehicle-discount that can save you up to 5%.

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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: Aug 3, 2021

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Here's What You Need to Know

  • Ameriprise is now known as CONNECT
  • Both Ameriprise and Farmers car insurnace offer competitive rates
  • Overall, Ameriprise has cheaper rates than Farmers
  • Farmers is a bit more expensive but has higher satisfaction ratings

If you are thinking about switching car insurance companies, you may be curious about Ameriprise vs. Farmers car insurance. Each company offers great insurance options and competitive pricing. However, one will be more affordable than the other.

Checking out the Ameriprise or Farmers car insurance review will give you a good look at each company individually. Continue reading to find out if there is affordable Ameriprise or Farmers car insurance for you.

Before jumping into this Ameriprise vs. Farmers car insurance review, get free quotes from car insurance companies in your area, enter your ZIP code here and see if you can save.

Which company offers more affordable rates Ameriprise or Farmers?

You can find Farmers car insurance rates pretty much anywhere you look. However, that is not the case with Ameriprise. There are very few sample rates to be found. This is because Ameriprise is now CONNECT insurance.

CONNECT Ameriprise is offered through Costco. So, when you hear CONNECT car insurance, you hear about Ameriprise. This company also underwrites American Family policies.

Now that you have some background on Ameriprise, let’s look over various driving situations and how much your rates may be for each, or, to learn more about this company check out our Ameriprise car insurance review.

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Ameriprise vs. Farmers: Rates Based on Gender, Age, and Marital Status

Most people realize that their age will help determine their car insurance rates. You get more affordable rates the older you are. However, many don’t realize that your gender and marital status also play a role in how much you will pay.

While we can’t cover every age, we have broken the data into a few different categories. By finding the age you are closest to, you will be able to get a reasonable idea of what your Ameriprise or Farmers car insurance rates may be.

Ameriprise vs. Liberty Mutual Average Monthly Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAmeriprise (CONNECT) Average Monthly RatesLiberty Mutual Average Monthly Rates
Single 17-year-old female$774$968
Single 17-year-old male$887$1,143
Single 25-year-old female$285$329
Single 25-year-old male$298$375
Married 35-year-old female$263$316
Married 35-year-old male$260$321
Married 60-year-old female$166$287
Married 60-year-old male$168$306
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As you can see, Farmers offers cheaper rates for pretty much every age group. Remember, though, that discounts will reduce your rates and may make Ameriprise a more affordable company.

Ameriprise vs. Farmers: Rates Based on Credit History

It is believed that the better your credit score is, the less likely you are to file a claim. Because of this belief, car insurance companies put some stock into how good or bad your credit is, and it impacts your car insurance rates.

If you have less than stellar credit, your Ameriprise and Farmers car insurance quotes will be higher.

Not everyone realizes that their credit score impacts so many things. By working on your credit, you will also end up lowering your bills. Until then, here is a look at what your Ameriprise or Farmers car insurance rates may be based on how your credit standing is.

Credit History SummaryAmeriprise Average Monthly RatesLiberty Mutual Average Monthly Rates
Good Credit (670-739)$224$365
Fair Credit Score (580-669)$264$467
Poor Credit Score (300-579)$372$733
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Ameriprise vs. Liberty Mutual Average Monthly Car Insurance Rates Based on Credit Score

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Regardless of your credit score, Ameriprise is more affordable than Farmers. So, if your credit is less than perfect, choosing Ameriprise as your new car insurance company may be the best choice.

Ameriprise vs. Farmers: Rates Based on Driving Record

One of the most significant factors of cost regarding your insurance rates is your driving record. Obviously, the fewer infractions you have, the more affordable your premiums will be. Additionally, the type of infraction will impact cost differently.

One speeding ticket is not going to be as big of a black mark as an at-fault accident. The more infractions you have, the riskier it is to insure you and the more costly your insurance will be. Here is a look at some common violations and how much they may end up costing you.

Ameriprise vs. Farmers Average Monthly Rates Based on Driving Record
Driving Record Ameriprise Average Monthly RatesFarmers Average Monthly Rates
Clean Driving Record$224$252
With 1 Speeding Violation$252$288
With 1 Accident$310$310
With 1 DUI/DWI$361$361
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In the case of a less-than-perfect driving record, Ameriprise is more affordable. While there isn’t a drastic difference, and discounts could still make Farmers cheaper, Ameriprise may end up being the best choice for those on a tight budget.

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When it comes to customer satisfaction, which company is better, Ameriprise or Farmers?

Being happy with the customer service team from your car insurance company is important. Additionally, having easy access to your account via the company’s website and mobile app is also essential.

If you’re still unsure if you should buy Ameriprise or Farmers car insurance, looking at customer satisfaction ratings may help.

From getting a Farmers insurance quote to figuring out your Ameriprise login, you want it to be easy. Both of these companies have good websites that are easy to navigate. You can access everything account-related from both websites.

When it comes to mobile apps, consumers seem pleased. You can access the Farmers insurance policy lookup tool and link all of your accounts on your smartphone. This will allow you to make changes to your policy, add or remove coverage, file claims, and more.

The Ameriprise app isn’t quite as user-friendly, but overall, people don’t have much trouble with it. Additionally, when it comes to customer service ratings, Ameriprise takes the cake. They offer better customer service throughout the claims process and quick answers to all your questions.

Hopefully, we have covered everything you need to know in the debate of Ameriprise vs. Farmers car insurance. You can also access free quotes from insurance companies near you by entering your ZIP code here.

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