Allstate vs. American Family: Best Auto Insurance for 2021

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.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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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: Jul 19, 2021

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Can't-Miss Facts

  • American Family tends to offer more competitive pricing than Allstate
  • Both companies offer a wide array of discounts, with Allstate having a slight edge
  • Allstate insurance has a slightly higher rating from the Better Business Bureau

If you’re here with us today, you’re probably interested in finding your next, or perhaps first, insurer. It’s a complicated process, so we’re going to focus on just Allstate vs. American Family.

You can also read our American Family review to gain specific information about American Family’s rates, discounts, American Family care insurance, and more.

Before we dive into an Allstate vs. American Family review, type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area.

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
CompanyAverage 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
Discounts21st Century Discounts OfferedAAA Discounts OfferedAllstate Discounts OfferedAmerican Family Discounts OfferedAmeriprise Discounts OfferedAmica Discounts OfferedCountry Financial Discounts OfferedEsurance Discounts OfferedFarmers Discounts OfferedGeico Discounts OfferedLiberty Mutual Discounts OfferedMetLife Discounts OfferedNationwide Discounts OfferedProgressive Discounts Offered
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYes
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYes
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Anti-TheftYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYes
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYes
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesNoYes
Driving Device/AppNoYesYesYesNoYesNoYesNoYesYesYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYes
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesYesYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNo
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesNoNoYes
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYes
Further EducationNoNoNoNoYesNoYesYesYesYesYesNoYesNo
Garaging/StoringNoNoNoNoYesYesNoNoYesNoNoNoNoNo
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYes
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNo
HomeownerYesYesNoNoNoYesYesYesYesYesYesYesYesYes
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYes
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYes
LoyaltyNoNoNoYesYesYesYesNoNoYesNoYesYesYes
MarriedNoYesNoNoNoYesYesYesNoNoYesYesYesYes
Membership/GroupNoYesNoNoYesNoNoYesNoYesYesYesYesNo
MilitaryNoNoYesNoNoNoNoYesYesYesYesYesNoNo
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesNoYesNoNoYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoNoYesNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesNoNoNoNoNo
Newly LicensedNoNoNoNoNoNoNoNoNoYesYesYesYesNo
NewlywedsNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Non-Smoker/Non-DrinkerYesNoNoNoNoNoNoNoNoNoNoNoNoNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoYesYesNo
OccupationNoNoYesNoNoNoYesYesYesNoYesYesYesNo
On Time PaymentsNoNoYesNoNoNoNoNoNoYesYesYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoYesNoNoYes
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesNoYes
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoNoNoYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesNoYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoYesNoNoNoNo
RenterNoNoNoNoNoYesNoYesNoNoYesYesNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoYesNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYes“NoNo
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYes
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNo
Switching ProviderYesNoNoYesNoYesNoYesYesNoYesYesNoYes
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYes
VolunteerNoNoNoYesNoNoNoNoNoNoNoNoNoNo
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYes

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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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Enter your ZIP code below to compare auto insurance rates.

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