Allstate vs. American Family: Which provider is better?

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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.

	Read review	Read review
OVERVIEW			OVERVIEW
About the provider
About the brand	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.
States served
States served	All 50 states	AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI
COVERAGE			COVERAGE
Roadside assistance
Roadside assistance	Optional	Optional
New car protection
New car protection	Yes	Yes
Accident forgiveness
Accident forgiveness	Yes	Yes
Rideshare coverage
Rideshare coverage	Yes	Yes
SR-22 insurance
SR-22 insurance	Yes	Yes
Claims methods
Claims methods	Online Phone	online phone
Payment schedule
Payment schedule	Monthly	12 months monthly custom
DISCOUNTS			DISCOUNTS
Anti-theft device discount
Anti theft device discount	Yes	Yes
Bundling discount
Bundling discount	Up to 10%	Yes
Home owner discount
Home owner discount	Yes	No
Military discount
Military discount	No	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	Up to 10%	Yes, up to 10%
Special employment discount
Special employment discount	Yes	No
Student discount
Student discount	Up to 20%, under 25	Yes
Usage based discount
Usage based discount	Yes - up to 20% cash back	Yes
Learn more
Learn more	Read review	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 your car insurance options to find the best insurance company for you.

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