Ameriprise vs. State Farm Car Insurance [2021]

In a comparison of Ameriprise vs. State Farm car insurance companies, State Farm came out on top. Ameriprise holds a higher Financial Strength Rating from A.M. Best. However, comparing Ameriprise Ameriprise and State Farm car insurance rates shows State Farm is slightly more affordable than Ameriprise. Furthermore, State Farm offers a wider array of discounts than Ameriprise.

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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: Jul 26, 2021

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Here's what you need to know...

  • State Farm offers slightly more affordable rates than Ameriprise
  • State Farm offers slightly more discounts than Ameriprise
  • A.M. Best gave a higher rating to Ameriprise

Part of what makes comparing car insurance companies difficult is the sheer number of options on the market. To simplify matters, we will be focusing on Ameriprise vs. State Farm insurance today.

Our State Farm and Ameriprise car insurance review will cover pricing, available discounts, and A.M. Best ratings.

Before we dive into our Ameriprise vs. State Farm car insurance rates comparison, type your ZIP code into our free and helpful tool above to find the most affordable car insurance quotes in your area.

Ameriprise vs. State Farm: Which company offers more affordable car insurance rates?

The simplest place to start when comparing two companies is pricing. Let’s look at a table that compares annual car insurance rates from companies including Ameriprise and State Farm.

Average Annual Car Insurance Rates
CompanyAverage Annual Rates
Ameriprise$1,387
Amica$1,071
State Farm$1,340
Progressive$1,365
Esurance$1,165
Safeco$1,655
Safe Auto$1,921
The Hanover$2,492
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How easy is it to find affordable Ameriprise vs. State Farm car insurance quotes? As you can see, Ameriprise is about $43 more per year than State Farm.

Now that we know State Farm offers slightly more affordable rates than Ameriprise, let’s see if the companies’ number of offered discounts can balance the scale.

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Which company offers more discounts?

Now you know what prices you can expect, but how can you lower them? Let’s take a look at a table that shows discounts available from major insurers including Ameriprise and State Farm.

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
AAAN/AN/AYesYesYesN/AN/AN/AN/AYesYesN/AYes
AllstateN/AN/A10%10%2%2%N/A10%N/A30%30%N/A10%
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
AmeripriseN/AN/A3%3%YesN/AN/AN/AN/AN/A3%N/A5%
AmicaYesN/A5%25%N/A5%8%N/AN/AN/A30%N/A10%
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
EsuranceN/AN/A5%25%YesN/AN/AYesN/AYes33%Yes25%
FarmersYesN/AYesYesYesYesN/A5%N/AYesYesYesYes
GeicoN/AN/A5%25%1%N/AN/AN/AN/AYes40%N/A25%
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
MetLifeYesYes5%10%5%YesYesN/AYesYes5%10%10%
NationwideYesYes5%25%5%YesYesN/AYesYes20%Yes25%
ProgressiveYesYesYesYesYesYesYesN/AYesYesYesYesYes
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
SafecoN/AN/AYesYesN/AN/AN/AN/AN/AYes2%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
TravelersN/AN/AYesYesYesN/AN/A10%N/A10%YesYesYes
USAAN/AN/AYesYesYesN/AN/AN/AN/A12%YesYesYes
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As you can see, Ameriprise offers five of this list’s discounts. These include an anti-lock brakes insurance discount, anti-theft devices, daytime running lights, passive restraint, and vehicle recovery systems discounts.

How many State Farm car insurance discounts are there? State Farm also offers a total of five discounts from this list. These include discounts for anti-lock brakes, anti-theft devices, and owning a newer vehicle.

However, State Farm also has a discount for maintaining a clean driving record. It’s called the Drive Safe & Save program.

To wrap up, let’s analyze State Farm and Ameriprise reviews to see if there is a clear winner.

Ameriprise vs. State Farm: Which company is more well-reviewed?

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

Ameriprise received a rating of “A+” (Superior), which is the highest of seven rating tiers. How did State Farm fare in comparison? It received a lower rating of “A” (Excellent).

In short, our Ameriprise vs. State Farm comparison has shown us that Ameriprise holds a higher A.M. Best rating, but State Farm offers more affordable rates and discounts.

We hope you have learned all you needed to decide whether to buy Ameriprise vs. State Farm car insurance. Type your ZIP code into our free and helpful tool below for quotes in your area.

Frequently Asked Questions: Ameriprise vs. State Farm Car Insurance [2021]

What follows are a few commonly asked questions about these two companies.

#1 – What is the number for Ameriprise customer service?

The Ameriprise customer service number is (800) 862-7919.

#2 – Are there State Farm repair shops?

State Farm will link you to reputable repair shops in your area, but they aren’t owned by State Farm.

#3 – Is there State Farm uninsured motorist coverage?

You can purchase both uninsured and underinsured motorist coverage from State Farm.

#4 – Can I make a State Farm online payment?

Absolutely, you can pay through the app or the State Farm website.

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