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

Farmers vs. American Family

Julia Cameron

Updated Jan 26, 2021

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.

	Read review	Read review
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	Read review	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	Roadside assistance	New car protection	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.	Get quotes More Info	Compare	loading Fetching your data...
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.	Get quotes More Info	Compare	loading Fetching your data...
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.	Get quotes More Info	Compare	loading Fetching your data...
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.	Get quotes More Info	Compare	loading Fetching your data...
Savvy	Optional	Depends on provider	Yes	All states & DC	Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual	Optional		30%	All 50 states & DC	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
USAA	Optional		Yes	All 50 states & DC	Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.	Get quotes More Info	Compare	loading Fetching your data...
Motion Auto	Optional		No	AZ, TN, UT & WI	Reap a myriad of rewards based on how safe you drive and car safety features, plus free accident forgiveness and diminishing deductible.	Get quotes More Info	Compare	loading Fetching your data...
Gabi	Optional	Optional	Yes	All 50 states except AK & HI	Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.	Get quotes More Info	Compare	loading Fetching your data...
AAA			Yes	AK, AZ, CA, MT, NV, UT and WY	Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.	Get quotes More Info	Compare	loading Fetching your data...
Branch	Optional		No	AZ, CO, IL, IN, MD, MO, OK, OH, TX and WI	Benefit from this online-based startup’s steep savings and convenient online quotes and claims.	Get quotes More Info	Compare	loading Fetching your data...
Metromile	Optional		49%	AZ, CA, IL, NJ, OR, PA, VA, WA	Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.	Get quotes More Info	Compare	loading Fetching your data...

Compare up to 4 providers

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Julia Cameron

Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

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