Allstate vs. American Family: Best Auto Insurance for 2023

We're going to compare Allstate vs. American Family auto insurance. Both companies offer a wide array of discounts, but Allstate offers a few more. American Family offers slightly more competitive pricing than Allstate, but they are two of the more expensive main insurers. Allstate is slightly better reviewed by the Better Business Bureau and has a better A.M. Best ranking.

UPDATED: Mar 15, 2023Fact Checked

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Written by:

Laura Kuhl

Managing Content Editor

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...

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Written by Laura Kuhl

Managing Content Editor

Reviewed by:

Rachael Brennan

Licensed Insurance Agent

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan

Licensed Insurance Agent

UPDATED: Mar 15, 2023

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Mar 15, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Allstate vs. American Family: Which is cheaper?

When you’re comparing insurers, it’s for the best that you start with what is important to you: pricing. Let’s take a look at a table that shows the average annual auto insurance rates not just for Allstate and American Family but for all of the main insurers.

Average Annual Auto Insurance Rates by Company

Company	Average Annual Rates
USAA	$2,539.87
Geico	$3,213.97
State Farm	$3,269.80
American Family	$3,544.37
Nationwide	$3,449.80
Progressive	$4,018.46
Farmers	$4,166.22
Travelers	$4,462.02
Allstate	$4,896.81
Liberty Mutual	$6,058.57

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As you can see, American Family is about $800 cheaper than Allstate. Of the 10 insurers shown, American Family is cheaper than five of the companies. Allstate is cheaper than only one: Liberty Mutual.

So, we can say that American Family insurance wins in terms of pricing. Let’s see which auto insurance company offers the better discounts.

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Allstate vs. American Family: Which has better discounts?

We cannot stress this enough: when you are about to start up an insurance policy, ask about discounts. If you stack up discounts you’ll see your premiums wither away. Let’s now take a look at a table that shows a lot of discounts available from these big insurers.

Auto Insurance Discounts Available by Company

Discounts	21st Century Discounts Offered	AAA Discounts Offered	Allstate Discounts Offered	American Family Discounts Offered	Ameriprise Discounts Offered	Amica Discounts Offered	Country Financial Discounts Offered	Esurance Discounts Offered	Farmers Discounts Offered	Geico Discounts Offered	Liberty Mutual Discounts Offered	MetLife Discounts Offered	Nationwide Discounts Offered	Progressive Discounts Offered
Adaptive Cruise Control	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes
Adaptive Headlights	No	No	No	No	No	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes
Anti-lock Brakes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Anti-Theft	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Claim Free	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Continuous Coverage	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	No	No	No	Yes
Daytime Running Lights	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Defensive Driver	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Distant Student	No	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	No	No	Yes	Yes
Driver's Ed	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes
Driving Device/App	No	Yes	Yes	Yes	No	Yes	No	Yes	No	Yes	Yes	Yes	Yes	Yes
Early Signing	Yes	No	Yes	Yes	No	No	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes
Electronic Stability Control	No	No	Yes	Yes	No	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes
Emergency Deployment	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Engaged Couple	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Family Legacy	No	No	No	Yes	No	Yes	No	No	No	Yes	No	Yes	Yes	Yes
Family Plan	No	No	No	Yes	No	No	Yes	No	Yes	No	No	No	Yes	No
Farm Vehicle	No	No	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No
Fast 5	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
Federal Employee	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No
Forward Collision Warning	No	No	No	No	No	Yes	Yes	No	No	No	Yes	No	No	Yes
Full Payment	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes
Further Education	No	No	No	No	Yes	No	Yes	Yes	Yes	Yes	Yes	No	Yes	No
Garaging/Storing	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No
Good Credit	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes
Good Student	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Green Vehicle	Yes	No	Yes	No	No	No	No	Yes	Yes	No	Yes	No	No	No
Homeowner	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Lane Departure Warning	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes
Life Insurance	No	No	Yes	No	No	No	No	No	No	No	No	No	Yes	No
Low Mileage	No	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Loyalty	No	No	No	Yes	Yes	Yes	Yes	No	No	Yes	No	Yes	Yes	Yes
Married	No	Yes	No	No	No	Yes	Yes	Yes	No	No	Yes	Yes	Yes	Yes
Membership/Group	No	Yes	No	No	Yes	No	No	Yes	No	Yes	Yes	Yes	Yes	No
Military	No	No	Yes	No	No	No	No	Yes	Yes	Yes	Yes	Yes	No	No
Military Garaging	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Multiple Drivers	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Multiple Policies	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	No	Yes
Multiple Vehicles	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes
New Address	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
New Customer/New Plan	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
New Graduate	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Newer Vehicle	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes	No	No	No	No	No
Newly Licensed	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No
Newlyweds	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Non-Smoker/Non-Drinker	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Occasional Operator	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No
Occupation	No	No	Yes	No	No	No	Yes	Yes	Yes	No	Yes	Yes	Yes	No
On Time Payments	No	No	Yes	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No
Online Shopper	No	No	No	No	No	No	No	Yes	No	No	Yes	No	No	Yes
Paperless Documents	No	No	Yes	Yes	No	Yes	No	No	Yes	No	No	Yes	No	Yes
Paperless/Auto Billing	No	No	Yes	Yes	No	Yes	No	Yes	Yes	No	No	No	Yes	Yes
Passive Restraint	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes
Recent Retirees	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Renter	No	No	No	No	No	Yes	No	Yes	No	No	Yes	Yes	No	No
Roadside Assistance	No	No	No	No	Yes	No	No	Yes	No	No	No	No	No	No
Safe Driver	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	Yes	Yes	Yes
Seat Belt Use	No	No	No	No	No	No	No	No	No	Yes	No	Yes	No	No
Senior Driver	Yes	No	Yes	No	No	No	No	Yes	Yes	No	No	Yes“	No	No
Stable Residence	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes
Students & Alumni	No	No	No	Yes	No	No	No	Yes	No	Yes	Yes	Yes	Yes	No
Switching Provider	Yes	No	No	Yes	No	Yes	No	Yes	Yes	No	Yes	Yes	No	Yes
Utility Vehicle	No	No	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No
Vehicle Recovery	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes
VIN Etching	No	No	No	No	No	No	No	Yes	Yes	No	Yes	Yes	Yes	Yes
Volunteer	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Young Driver	Yes	No	No	No	No	No	Yes	No	No	No	Yes	No	No	Yes

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As you can see, of the 67 discounts shown, American Family offers 27. Allstate offers 29. These discounts range from having anti-lock brakes in your car to being a defensive driver to paying on time. What’s great is a lot of these are as simple as typing in your Allstate insurance login on the app.

In short, both companies offer quite a few discounts, but Allstate offers more.

Remember, there are many discounts you can accrue, so inform your agent of your life situation and see what you can get. If you’d like to learn more about Allstate, read our Allstate review for specifics.

Allstate vs. American Family: Which is better rated?

When comparing insurers, make sure to look at the ratings given to the company by A.M. Best and the Better Business Bureau.

A.M. Best has a rating scale that ranges from A++ all the way down to D. American Family currently has a rating of A from A.M. Best. Allstate has a better rating of A+ (Superior).

Allstate is currently not accredited by the Better Business Bureau, but it has a rating of A+. American Family is also not accredited and holds a rating of A, slightly below Allstate.

Now that you’ve finished learning about Allstate vs. American Family, it’s time to buy auto insurance. Get a start on finding affordable auto insurance rates in your area simply by typing your ZIP code into our free and helpful tool below. It’s easier than calling up the Allstate claims department.

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Written by:

Laura Kuhl

Managing Content Editor

Full Bio →

Written by Laura Kuhl

Managing Content Editor

Reviewed by:

Rachael Brennan

Licensed Insurance Agent

Full Bio →

Reviewed by Rachael Brennan

Licensed Insurance Agent

Allstate vs. American Family: Best Auto Insurance for 2023

Free Car Insurance Comparison

It’s all about you. We want to help you make the right coverage choices.

It’s all about you. We want to help you make the right coverage choices.

On This Page

Allstate vs. American Family: Which is cheaper?

Allstate vs. American Family: Which has better discounts?

Allstate vs. American Family: Which is better rated?

Free Auto Insurance Comparison

Allstate vs. American Family: Best Auto Insurance for 2023

Free Car Insurance Comparison

It’s all about you. We want to help you make the right coverage choices.

It’s all about you. We want to help you make the right coverage choices.

On This Page

Allstate vs. American Family: Which is cheaper?

Allstate vs. American Family: Which has better discounts?

Allstate vs. American Family: Which is better rated?

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