Farmers vs. American Family: Which provider is better for you?

Farmers vs. American Family

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Well-known Farmers Insurance is backed by close to 100 years of experience, while American Family has been around for nearly as long. And although American Family only provides insurance in 19 states, it is the 10th-largest insurance provider in the US.

Both companies offer affordable insurance by providing vehicle and driver discounts. And both Farmers and American Family fare well in the customer service department.

If you’re trying to choose between the two, take a look at our side-by-side comparison below to get the info you need to make an informed decision.

  • Get rewarded for good driving habits
  • Catastrophe response for natural disasters
  • Personal support from 50,000 agents

Our top pick: Farmers

Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

  • Plenty of discounts
  • Catastrophe response for natural disaster.s
  • Personal support from 50,000 agents across the US
American Family

American Family

Farmers

Farmers

About the provider 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. “Serving America since 1928,” Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to ensure that customers have peace of mind with its award-winning Farmers Claim Services.
Price Policy costs depend your personal situation. Visit American Family for a quote based on your specific needs. Policy costs depend your personal situation. Visit Farmers for a quote based on your specific needs.
States served 19 All 50 states
User satisfaction* B+ A-
J.D. Power ratings** 4/5 on overall claims satisfaction 3/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


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


Driver discounts

American Family

American Family

Farmers

Farmers

Good student Varies. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer) B average or 3.0 GPA or higher
Defensive driver 5-10% (55+, completed defensive driving course)
Good driver
Pay in full discount
Multicar
Military
Homeowner
Other discounts 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)

Distant students – 23 or younger, 100+ miles away from home

Teen driver – Single licensed driver under 19

Youthful driver – Driver under 25 in the household

Transfer discount – Switch to Farmers with no lapse in coverage

Read Review

Vehicle discounts

American Family

American Family

Farmers

Farmers

Anti-theft device
Anti-lock brake
Passive restraints
Air bag
Other discounts Auto safety equipment – 10-30% Alternative fuel – Vehicle is fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol

Bottom line

Farmers and American Family are evenly matched when it comes to driver discounts, but Farmers inches out ahead in vehicle discounts. And if you don’t live in one of the 19 states American Family serves, it’s not even an option for you. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Farmers and American Family

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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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.
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AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
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.
Optional
26%
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It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

Compare up to 4 providers

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