Allstate vs. American Family: Which provider is better?

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.

• Rewards for safe drivers
• Basic to comprehensive
• Your own dedicated agent

Our top pick: Allstate

Enjoy having your own dedicated agent to help you get the best discounts and coverage.

• Rewards for safe drivers, good students and more
• Get your own dedicated insurance agent

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	Allstate	American Family
About the provider	Allstate 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.
Price	Policy 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 served	All 50 states	19
User satisfaction*	A	B+
J.D. Power ratings**	3/5 on overall claims satisfaction	4/5 on overall claims satisfaction
Driver discounts	View driver discounts	View driver discounts
Vehicle discounts	View vehicle discounts	View vehicle discounts
	Go to site | Read review	Read Review

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

Driver discounts

	Allstate	American Family
Good student	Up 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 driver	Up to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims	5-10% (55+, completed defensive driving course)
Good driver	Up 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 discount	Up 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)
	Go to site | Read review	Read Review

Vehicle discounts

	Allstate	American Family
Anti-theft device	Up to 10%
Anti-lock brake	10%
Passive restraints	Up 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%
	Go to site | 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.

Compare alternatives to Allstate and American Family

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.	Go to site More Info	Compare	loading Fetching your data...
Metromile		Optional			49%	AZ, CA, IL, NJ, OR, PA, VA, WA	Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.	Go to site More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.	Go to site More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Go to site More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Get free quotes from top insurers for the exact coverage you need in minutes.	Go to site More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.	Go to site More Info	Compare	loading Fetching your data...
The Hartford		Optional			Yes	All 50 states	Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.	Go to site More Info	Compare	loading Fetching your data...
Root					52%	AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT	Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.	Go to site More Info	Compare	loading Fetching your data...
Clearcover		Optional			No	CA, IL	A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.	Go to site More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.	Go to site More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.	Go to site More Info	Compare	loading Fetching your data...
Elephant		Optional			10%	IL, IN, MD, TN, TX, VA	Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.	Go to site More Info	Compare	loading Fetching your data...

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Roslyn McKenna

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As the car insurance publisher for finder.com, Roslyn McKenna is driven to help people get a great deal on car insurance so they can enjoy the ride. Roslyn has put her Bachelor of Arts in Writing and Communications to good use by covering topics ranging from finance to insurance. As a former blog manager for PetSafe, she has a love for everything furry and nerdy. When she’s not researching car insurance discounts to share with readers, she’s busy planning her next trip with latte in hand and cat in lap.