State Farm vs. American Family: Which provider should you choose?

State Farm vs. American Family: Which provider should you choose?

State Farm vs. American Family

We know that everyone's situation is unique and we aim to help you find the right product for you. We may receive compensation when you visit our partners' sites or are approved for their products. You can read more about how we maintain editorial independence and how we make money here.

Choosing between State Farm and American Family Insurance? The well-known State Farm has been around since the 1920s, and although American Family has been around for nearly as long, it isn’t a household name.

But don’t let that scare you off. If you live in one of the 19 states it services, American Family aims to gain the trust of its customers through top-notch customer service and protection. Like StateFarm, American Family gets a B+ from the Better Business Bureau. And both companies provide affordable auto insurance via their many discounts.

So which one should you choose? Take a look at our comparison of the two companies below, and you’ll be able to make an informed decision.

State Farm

State Farm

American Family

American Family

About the providerFounded in 1922, State Farm ranks as one of the top companies where cars and homes are insured. State Farm stands by its customers by striving to offer the best products and prices. The company is no stranger to the Fortune 500 list.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.
PricePolicy costs depend your personal situation. Visit State Farm 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 servedAll 50 states19
User satisfaction*B+B+
J.D. Power ratings**3/5 on overall claims satisfaction4/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

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


Driver discounts

State Farm

State Farm

American Family

American Family

Good studentUp to 25% (under 25). Additional discount if student is away from home and only using the car when back home.Varies. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)
Defensive driver5-10% (55+, completed defensive driving course)
Good driver3 years no moving violations or at-fault accidents
Pay in full discount
MulticarUp to 20% (two or more vehicles in household)
Military
Homeowner
Other discounts

Driving training – Varies (all operators under 21 complete approved drivers education)

Drive Safe & Safe – Enroll in the State Farm app

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)


Vehicle discounts

State Farm

State Farm

American Family

American Family

Anti-theft device
Anti-lock brake
Passive restraintsUp to 40% (medical-related coverage, vehicle made in 1994 or later)
Air bag
Other discounts

Vehicle safety discount – Up to 40% (medical-related coverage, vehicle made in 1994 or later)

Auto safety equipment – 10-30%

Bottom line

American Family comes out slightly ahead in terms of the number of discounts they offer. But if you don’t live in one of the 19 states the provider covers, it’s not even an option for you. Keep your personal situation in mind when deciding between the two, and you’ll make the right decision.

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Go to site