American Family vs. The General: Which provider is better?

If you’re considering getting car insurance through American Family or The General, we’ve got the information you need on both providers to make your decision easier.

American Family is a smaller company that offers coverage in 19 states. Despite the fact that it only covers less than half of the country, it is the 10th-largest insurance provider in the US and gets good customer reviews.

Like American Family, The General has a reputation for good customer service, earning an A+ from the Better Business Bureau. It provides coverage in 46 states and is known for insuring high-risk drivers. If you fall into this category, The General is an option for you.

Below we’ve lined up American Family and The General in a head-to-head comparison where you can easily find all of the details you need to choose the provider that best suits your needs.

Our top pick: The General

Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.

• Qualify even as a high-risk driver
• Get instant access to proof of insurance
• Take advantage of 10 discount opportunities
• File a claim conveniently by app

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Read review

	Read review	Go to site Read review
OVERVIEW			OVERVIEW
About the provider
About the brand	American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.	Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
States served
States served	AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI	All states except Hawaii, Massachusetts, Michigan and New Jersey
COVERAGE			COVERAGE
Roadside assistance
Roadside assistance	Optional	Optional
New car protection
New car protection	Yes	No
Accident forgiveness
Accident forgiveness	Yes	No
Rideshare coverage
Rideshare coverage	Yes	No
SR-22 insurance
SR-22 insurance	Yes	Yes
Claims methods
Claims methods	online phone	Phone App
Payment schedule
Payment schedule	12 months monthly custom	12 months monthly
DISCOUNTS			DISCOUNTS
Anti-theft device discount
Anti theft device discount	Yes	Yes
Bundling discount
Bundling discount	Yes	Yes
Home owner discount
Home owner discount	No	Yes
Military discount
Military discount	Yes	Yes
Multi car discount
Multi car discount	Yes	Yes
Paid in full discount
Paid in full discount	Yes	Yes
Safety device discount
Safety device discount	Yes	Yes
Safe driver discount
Safe driver discount	Yes, up to 10%	No
Special employment discount
Special employment discount	No	No
Student discount
Student discount	Yes	Yes
Usage based discount
Usage based discount	Yes	No
Learn more
Learn more	Read review	Go to site Read review

Bottom line

Both American Family and The General have good reputations, but American Family comes out ahead with its multiple discounts. However, if you are having a hard time getting an insurance company to cover you because of poor credit or driving violations, The General is a great choice. Compare your car insurance options to find the best insurance company for you.

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