- American Family vs. The Auto Club Group: Which one is the cheapest?
- American Family vs. The Auto Club Group: Rates by age group
- American Family vs. The Auto Club Group: Rates for high-risk drivers
- American Family vs. The Auto Club Group: Rates in your state
- American Family vs. The Auto Club Group: Which offers better discounts?
- American Family vs. The Auto Club Group: The bottom line
- Methodology
American Family vs. The Auto Club Group: Which one is the cheapest?
The Auto Club Group costs an average of $488 per year for state minimum coverage, while American Family costs $602 annually.
For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, The Auto Club Group costs an average of $1,621. American Family costs more at an average of $1,698.
It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage | Average annual premium for liability-only (50/100/50) car insurance |
|---|---|---|---|
| American Family | $1,698 | $602 | $870 |
| The Auto Club Group | $1,621 | $488 | $507 |
American Family vs. The Auto Club Group: Rates by age group
For teens—one of the most expensive age groups to insure–American Family offers the lowest rates at $4,515 per year. The Auto Club Group is more expensive, with an average cost of $4,872 for a teen driver.
Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest – and therefore most expensive – age groups to insure. Rates drop as you get older.
For example, adults pay an average of $1,607 at The Auto Club Group, while at American Family the average rate for an adult is $1,701.
| Age group | American Family | The Auto Club Group |
|---|---|---|
| Teens | $4,515 | $4,872 |
| Young adults | $2,424 | $2,757 |
| Adults | $1,701 | $1,607 |
| Seniors | $1,813 | $1,548 |
American Family vs. The Auto Club Group: Rates for high-risk drivers
American Family has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.
For the drivers with DUI, American Family is cheaper, with average rates of $2,908.
Take a look at the table below for American Family rates compared to The Auto Club Group rates.
| Type of violation | American Family | The Auto Club Group |
|---|---|---|
| 1 At-fault property damage accident over $2K | $2,447 | $2,557 |
| 1 At-fault property damage accident under $2K | $2,447 | $2,557 |
| At-fault bodily injury accident | $2,542 | $2,557 |
| Careless driving | $2,205 | $2,904 |
| DUI | $2,908 | $4,957 |
| Reckless driving | $2,805 | $4,957 |
| Speeding | $2,321 | $3,033 |
American Family vs. The Auto Club Group: Rates in your state
Insurance rates vary by state. Companies use your ZIP code's weather, crime, and traffic data to assess risk. The table below shows where American Family and The Auto Club Group have the lowest rates. Always compare quotes, as your price also depends on your location, driving history, and personal details.
| State | American Family | The Auto Club Group |
|---|---|---|
| Delaware | $2,709 | N/A |
| Illinois | N/A | $979 |
| Michigan | N/A | $2,537 |
| Minnesota | N/A | $1,636 |
| Nevada | $2,429 | N/A |
| North Dakota | $1,092 | N/A |
| Rhode Island | $1,833 | N/A |
| Washington | $1,750 | N/A |
American Family vs. The Auto Club Group: Which offers better discounts?
Discounts are important to insurance customers and can help you save a lot on your yearly insurance costs. Below are some of the discounts American Family and The Auto Club Group give to their customers.
| Discounts | American Family | The Auto Club Group |
|---|---|---|
| Multi policy | 9% | 14% |
| Payment type | 9% | 8% |
| Days advanced purchase | 8% | 13% |
| Electronic funds transfer | 5% | 7% |
| Daily commute | 6% | 6% |
| Loyalty | 5% | 16% |
| Paperless/electornic documents | 5% | 2% |
| Profession | N/A | 4% |
| Homeowner | 4% | N/A |
| Safety devices | 2% | 3% |
| Lower annual mileage | 3% | 2% |
| Air bags | 2% | 1% |
| Anti-theft device | 1% | 2% |
| Education | N/A | 2% |
| Marital status | 11% | 11% |
Always remember to ask about discounts when comparing insurance options to find out what you might qualify for.
American Family vs. The Auto Club Group: The bottom line
Both American Family and The Auto Club Group are good insurance companies, but if cheaper rates are your top priority, The Auto Club Group might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.
Methodology
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
- All available year, make and model data
Rates were fielded by Quadrant Information Services, with more than 220 companies and 34,588 ZIP codes surveyed.
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