Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 3, 2021

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Key Takeaways

  • Allstate and American Family both provide basic car insurance, but their features and optional services vary widely.
  • For the average driver, American Family has lower rates than Allstate, but reviewing their discounts could lower your rate depending on your unique characteristics.
  • BBB and A.M. Best give Allstate higher ratings than American Family, but Allstate has had more complaints from consumers.
  • American Family is offered in only 19 states.

The perfect car insurance company for you is out there. You just need to do a little research and comparing before you purchase your policy.

In our Allstate vs. American Family car insurance comparison, we’ll discuss who has better coverages, discounts, rates, and third-party ratings to guide you in the right direction.

But, before you jump into our comparisons, make sure that American Family is offered in your state by reading your state’s auto insurance guide.

To compare rates from Allstate, American Family, and other companies in your area, use our free quote comparison tool above by entering your ZIP code.

Does Allstate or American Family have better car insurance coverage options?

Both Allstate and American Family Insurance have the basic coverage options: bodily injury liability, property damage liability, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments, roadside assistance, rental car coverage, and rideshare insurance.

Umbrella policies, collector cars, emergency lockout, and accidental death, dismemberment, and disability coverage are also offered by both Allstate and American Family.

What Allstate insurance offers that American Family does not is:

  • No fault coverage
  • Mechanical breakdown insurance
  • Loss of use coverage
  • New car replacement coverage
  • Sound system coverage
  • Preferred repair services
  • Accident forgiveness

American Family offers a few types of coverage that Allstate doesn’t. Those are SR-22 coverage, gap insurance, legal defense costs coverage, emergency assistance coverage, work loss coverage, and comprehensive claim forgiveness.

If some of these coverage types are unfamiliar to you, check out our guide on car insurance basics.

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Does Allstate or American Family have better rates?

All car insurance rates are based on at least where you live, your age, and your driving record. Some insurers weigh different variable more heavily than others. Some states permit insurance companies to also use gender and marital status to determine rates. Let’s compare Allstate and American Family when it comes to these demographics.

Allstate vs. American Family Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesAmerican Family Average Annual Rates
Single 17-year-old female$9,282.19$5,996.50
Single 17-year-old male$10,642.53$8,130.50
Single 25-year-old female$3,424.87$2,288.65
Single 25-year-old male$3,570.93$2,694.72
Married 35-year-old female$3,156.09$2,202.70
Married 35-year-old male$3,123.01$2,224.31
Married 60-year-old female$2,913.37$1,992.92
Married 60-year-old male$2,990.64$2,014.38
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When it comes to age, gender, and marital status, American Family car insurance rates tend to be cheaper than Allstate.

Allstate vs. American Family Average Annual Car Insurance Rates by Driving Record
Driving OffenseAllstate Average Annual RatesAmerican Family Average Annual Rates
Clean record$3,819.90$2,693.61
With one speeding violation$4,483.51$3,025.74
With one accident$4,987.68$3,722.75
With one DUI$6,260.73$4,330.24
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When it comes to driving record, American Family also has better car insurance rates. However, Allstate’s car insurance rates don’t increase as much as American Family car insurance rates do for your first at fault accident. Allstate is less forgiving than American Family for drivers who get a speeding ticket.

Does Allstate or American Family Offer Better Insurance Premium Discounts?

Allstate and American Family both have similar insurance policy discounts, but the amount of each discount and which ones you can use may differ.

What car insurance discounts does Allstate offer?

Allstate car insurance company provides a five percent discount on the following:

  • Good payer discount
  • Senior adult discount
  • Preferred payment discount
  • Student-away-at-school discount

Allstate car insurance company provides a 10 percent discount on the following:

  • Anti-lock brake discount
  • Low mileage discount
  • Good student discount
  • Passive restraint discount
  • Safe driver discount
  • Anti-theft device discount
  • Prepay discount
  • EV/Hybrid discount
  • Multiple policy discount
  • Farm vehicle discount
  • Early quote discount
  • E-billing discount
  • Multiple vehicle discount
  • Paid in full discount

Additional discounts Allstate offers are:

  • Utility vehicle discount – varies
  • Paperless document discount – varies
  • Family discount – varies
  • Driving training discount – varies
  • New car discount – up to 15 percent off
  • Accident forgiveness – up to 30 percent off
  • Deductible discount – varies
  • Defensive driver discount – up to 20 percent off
  • teenSMART discount – up to 35 percent off

How do Allstate’s discounts compare with American Family’s?

What car insurance discounts does American Family offer?

You can get up to 25 percent off your car insurance from American Family with the following discounts:

  • Anti-theft device discount
  • Senior adult discount
  • Military discount
  • Good student discount

You can get up to five percent off the following from American Family:

  • Sponsored marketing discount
  • New graduate discount
  • Electronic stability control
  • Paid in full discount
  • Anti-lock brake discount
  • Provider switch discount
  • Preferred payment discount
  • Early quote discount
  • Loyalty discount
  • Homeowner discount
  • Travelink discount
  • Driving habits discount

American Family car insurance company provides a three percent discount on the following:

  • Accident free discount
  • Paperless documents discount
  • Daytime running lights discount

They also offer the following additional discounts:

  • Passive restraint discount – up to 30 percent off
  • Multiple vehicle discount – up to 13 percent off
  • Accident (merit) rating – varies
  • Good driver discount – up to two percent off
  • Accident forgiveness – varies
  • Low mileage discount – up to eight percent off
  • Multiple policy discount – up to 15 percent off
  • Defensive driver discount – up to 10 percent off
  • teenSMART discount – varies
  • Occupation discount – up to 10 percent off

Be sure to review the lists above to find out which company you can get the most discounts from based on your personal characteristics. Insurance companies will often prioritize discounts and not allow the stacking of multiple discounts.

What payment options does Allstate and American Family provide?

Allstate offers nearly every type of payment option including debit card, electronic check, credit card, and direct deposit through the post, over the phone, online, and using their mobile app. Allstate also allows customers to make prepayments. If you pay your entire premium up front, you may save money compared to monthly payment plans.

American Family is a little more limited in their payment options. They offer all that Allstate does with the exception of electronic check and prepayment. Again, you may be able to save money by paying all at once or using autopay.

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Does Allstate or American Family have the best driving app?

Allstate’s driving app, Drivewise, will track your driving habits. You get a discount for participating, and if you practice safe driving, additional rewards may be available. Insurance providers monitor a few basic driving behaviors that can contribute to claims. If you score well, you get a bigger discount. The point is only to track those key behaviors, though.

KnowYourDrive is American Family’s usage-based driving app.

The initial discount for enrolling is 10 percent, but after a few months of tracking your driving habits like braking and speeding, the discount could go up to 20 percent. In both programs, users have the opportunity to change key habits during the trial period to get a better discount.

Does Allstate or American Family have better industry ratings?

If you still can’t decide after reviewing coverages, discounts, and the apps, let’s see how Allstate and American Family compare when it comes to industry ratings.

Allstate vs. American Family BBB Ratings

The Better Business Bureau assigns an A+ rating to Allstate. Customer complaints, however, were high with 466 being closed within the last year.

The Better Business Bureau assigns an A rating to American Family. Customer complaints are much lower than Allstate with 45 being closed last year.

The total number of customer complaints is adjusted for the size of the company, so anything above a ratio of 1.0 could wave a red flag.

Allstate’s complaint ratio is 2.02, and American Family’s complaint ratio is 1.36.

Allstate vs. American Family Financial Strength

A.M. Best offers another third-party rating to help you decide. A.M. Best assigns a grade based on financial strength which means a car insurance company with a higher score is more likely to do well in balancing premiums taken in and claims paid out.

Allstate has an A+ financial strength rating. American Family has a financial strength rating of A.

How can I get Allstate car insurance quotes and American Family car insurance quotes?

Allstate provides their customers with the option of working directly with an agent or getting a quote on their website (www.allstate.com).

American Family can provide a quote using their website (www.amfam.com) or you can call (800) 692-6326 to speak with a representative to get a quote.

If you need help finding affordable car insurance through Allstate, American Family, or another car insurance company, enter your ZIP code into our free quote comparison tool below.