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

American Family vs. The General

Updated

Fact checked

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
 

American Family

The General

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

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.

Compare alternatives to American Family and The General

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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Compare up to 4 providers

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