Allstate vs. American Family: Which provider is better?

Allstate vs. American Family: Which provider is better?

We know that everyone's situation is unique and we aim to help you find the right product for you. We may receive compensation when you visit our partners' sites or are approved for their products. You can read more about how we maintain editorial independence and how we make money here.

Allstate vs. American Family

Trying to choose between Allstate and American Family Insurance? Allstate is a household name, but don’t let American Family’s smaller size fool you. It aims to gain the trust of their customers through top-notch customer service and protection.

Both providers get good marks from the Better Business Bureau, and both provide discounts to bring the cost of your insurance down. So which one should you choose? We help you answer that question by lining up Allstate and American Family side by side in a comprehensive comparison. Take a look at the details below to pick the right one for you.

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

Allstate

Allstate

American Family

American Family

About the providerAllstate was founded in 1931 and aims to deliver quick service to get customers insured and on the road. 16 million households are currently being served by Allstate. In 2016, they were awarded The World’s Most Ethical Company by the Ethisphere Institute.For 90 years, American Family has worked hard to give quality rates and services. In addition to auto insurance, it offers home, life, business, and farm and ranch insurance with a strong commitment to protect its customers.
PricePolicy costs depend your personal situation. Visit Allstate for a quote based on your specific needs.Policy costs depend your personal situation. Visit American Family for a quote based on your specific needs.
States servedAll 50 states19
User satisfaction*AB+
J.D. Power ratings**3/5 on overall claims satisfaction4/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

Read Review

* Based on Better Business Bureau’s company rating ** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Allstate

Allstate

American Family

American Family

Good studentUp to 20% (full-time student, under 25).Varies. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)
Defensive driverUp to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims5-10% (55+, completed defensive driving course)
Good driverUp to 22% — must have driven for at least 3 years without any violations or accidents. Goes up to 35% after 5 years.
Pay in full discountUp to 10%
Multicar
Military
Homeowner
Other discounts

Drivewise – Up to 20% cash back (based on everyday safe driving)

EZ pay plan discount – Up to 5% (automatic withdrawal)

Allstate eSmart discount – Up to 10% (sign up for ePolicy to view all insurance documents online)

Auto/life discount – Varies

Multi policy discount – Up to 10%

Early signing discount – Up to 10% (sign 7 days before policy becomes effective)

Good payer discount – Up to 5% (no cancellation notice for non-payment during the past 12 months)

Senior discount – Up to 10% (55+, not seeking full-time employment)

Safe drivers discount – Up to 45%

TeenSMART discount – Up to 10%

Loyalty discount Early-bird discount

Steer into Savings discount

Low mileage discount – Drive less than 7,500 miles per year

Teen Safe Driver discount – Enroll teen in free program

Young volunteer discount
– Under 25, 40+ hours per year volunteering for non-profit

Generational discount – 18-24 with a parent who is an American Family customer

KnowYourDrive discount – Up to 40% on your car insurance (based on evaluation during KnowYourDrive periods)

Read Review


Vehicle discounts

Allstate

Allstate

American Family

American Family

Anti-theft deviceUp to 10%
Anti-lock brake10%
Passive restraintsUp to 30%
Air bag
Other discounts

New car – Up to 30% (First owner, car under 2 years old)

Economy car – Up to 10%

Utility discount – Up to 15% (Utility vehicle with a model year of 2002 or prior)

Farm vehicle – Up to 10%

Auto safety equipment – 10-30%

Read Review

Bottom line

Allstate edges out ahead in the sheer number of discounts it offers, but if those don’t apply to you, then there’s no real benefit. Keep your personal situation in mind when choosing, and you’ll make the right decision.

Also be aware that American Family only offers coverage in 19 states.

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

Was this content helpful to you? No  Yes
Go to site