American Family vs. Farmers: Best Car Insurance for 2021
When it comes to American Family vs. Farmers car insurance, the right choice will depend on several factors. Farmers is available in all 50 states. American Family serves only 17 states. In an applicable state, American Family may offer lower car insurance rates at an average of $163.47/month while Farmers might be closer to $261.63. Farmers offers more types of discounts while American Family offers more insurance products for those seeking to buy car insurance in a bundle.
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Written by
Rachael Brennan
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Reviewed by
Chris Harrigan
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UPDATED: Apr 13, 2022
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- Farmers Insurance serves all 50 states, while American Family car insurance is available in 17 states only
- American Family car insurance rates might be cheaper than Farmers for certain drivers
- Farmers may offer more car insurance discounts in your region, while American Family offers more insurance products to bundle
Looking at American Family vs. Farmers car insurance is a good place to start when deciding between all the car insurance companies on the market.
The first thing to do is make sure you live in one of the 17 states serviced by American Family.
These are Arizona, Kansas, Ohio, Colorado, Minnesota, Oregon, Idaho, Missouri, South Dakota, Illinois, Nebraska, Utah, Indiana, Nevada, Wisconsin, Iowa, and North Dakota.
Next, consider if you qualify for the discounts offered by each company. You might also like to look at what insurance products you could get in a bundle with your auto insurance.
Before learning more about American Family vs. Farmers, try comparison shopping in your region to see what car insurance company will offer you the best deal. Enter your ZIP code into the free tool to get started today.
Table of Contents
Which company has the lowest car insurance rates?
When analyzing American Family vs. Farmers rates, car insurance quotes will vary significantly depending on your age and driving record.
You would even be right in wondering: Are my insurance rates based on my credit score? However, the state you live in will likely play the biggest role in affecting your auto insurance rates.
For example, in Arizona, American Family car insurance might be cheaper at $163.47/month, while Farmers could be more expensive at $261.63/month.
However, in Washington State, Farmers car insurance might be cheaper at $156.68, while American Family could be more expensive at $191.93.
On average, American Family offers more affordable car insurance rates across all states at $170.81/month compared to $281.87/month from Farmers.
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Which car insurance company has the best ratings?
Both American Family Insurance and Farmers Insurance generally have good ratings. There are only slight differences between them when it comes to car insurance.
American Family vs. Farmers A.M. Best Rating
American Family Insurance and Farmers Insurance have been awarded an A (Excellent) rating from the A.M. Best credit rating agency.
However, the Farmers Insurance rating is currently under review until details of a possible merger become known.
American Family vs. Farmers Customer Satisfaction
When it comes to the JD Power Customer Satisfaction Index, American Family and Farmers fell into the “about average” range.
Farmers Insurance gained a slightly higher score of 865/1000 while American Family received 857/1000.
What discounts do American Family and Farmers offer?
Like rates, discounts vary from state to state, so it’s worth chatting to your local agent to get the best car insurance quotes.
| Discount | American Family | Farmers |
|---|---|---|
| Advanced Purchase | Yes | Yes |
| Air Bag | Yes | Yes |
| Annual Mileage | Yes | |
| Anti-Lock Brake System | Yes | Yes |
| Anti-Theft Device(s) | Yes | |
| Defensive Driver | Yes | Yes |
| eSign or ePay | Yes | Yes |
| Good Driver | Yes | Yes |
| Good Student | Yes | Yes |
| Good student | Yes | Yes |
| Green Vehicles | Yes | |
| Home Owner | Yes | |
| Multiple Policies | Yes | Yes |
| Multiple Vehicles | Yes | Yes |
| Pay in Full | Yes | Yes |
| Student Away at School | Yes | Yes |
| Switch company | Yes | |
| Teen driver/driver under 25 | Yes | Yes |
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Whichever car insurance company you choose, you might qualify for a significant discount if you buy a car with a high safety rating.
What other products do American Family and Farmers offer?
Besides discounts, another great way to lower your car insurance rates is to buy in a bundle.
That is, you could get your auto insurance from the same company as home insurance or another insurance product.
- Insurance products offered by both American Family and Farmers are auto, commercial, home, life, motorcycle, RV, and umbrella.
- Insurance products offered by American Family only are condo, farm, health, and renters.
To find affordable car insurance quotes, enter your ZIP code into our free tool and start comparison shopping today.
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The Final Verdict on American Family vs. Farmers Car Insurance
American Family car insurance will likely be cheaper but you have to live in one of the 17 applicable states.
Farmers Insurance offers fewer insurance products with which you could bundle your auto insurance, but may offer more discounts.