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

State Farm vs. American Family

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Fact checked

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.

Our top pick: State Farm

Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232.

  • Service with a personal feel through dedicated agents
  • Bundle multiple policies or vehicles to save up to 20%
  • No. 1 for personal auto insurance by market share, suggesting satisfied customers
 

State Farm

American Family

OVERVIEW

OVERVIEW
About the provider
About the brand Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232. 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 Optional 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
6 months
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 No Yes
Multi car discount
Multi car discount Yes, Up to 20% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 40% Yes
Safe driver discount
Safe driver discount Yes Yes, up to 10%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes, Up to 25% Yes
Usage based discount
Usage based discount No Yes
Learn more
Learn more

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 comparing car insurance, and you’ll make the right decision.

Compare alternatives to State Farm and American Family

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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