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Allstate vs. American Family: Which provider is better?

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.

Allstate

American Family

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

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.

Compare alternatives to Allstate and American Family

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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