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: Apr 13, 2022

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Key Takeaways

  • 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.

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.

American Family vs. Farmers Car Insurance Discounts
DiscountAmerican FamilyFarmers
Advanced PurchaseYesYes
Air BagYesYes
Annual MileageYes
Anti-Lock Brake SystemYesYes
Anti-Theft Device(s)Yes
Defensive DriverYesYes
eSign or ePayYesYes
Good DriverYesYes
Good StudentYesYes
Good studentYesYes
Green VehiclesYes
Home OwnerYes
Multiple PoliciesYesYes
Multiple VehiclesYesYes
Pay in FullYesYes
Student Away at SchoolYesYes
Switch companyYes
Teen driver/driver under 25YesYes
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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.