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

Farmers vs. American Family

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Julia Cameron
Updated
Fact checked

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.

Farmers

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American Family

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OVERVIEW

 OVERVIEW
About the provider
About the brand Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options. 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 Included free 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 12 months
custom
Monthly
 12 months
monthly
custom

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount Yes 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 Yes Yes, up to 10%
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount Yes Yes
Learn more
Learn more
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Read review

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
Progressive
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
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The AARP Auto Insurance Program from The Hartford
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.
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USAA
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Savvy
Savvy
Optional
Optional
Yes
All states & DC
Enter your current policy and get quotes in 30-seconds from 100+ companies, then get help to switch insurers for free.
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Root
Root
52%
Available in 30 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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Gabi
Gabi
Optional
Optional
Yes
All 50 states
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
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