- 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 state minimum coverage costs an average of $488 annually, while The Auto Club Group costs $602.
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 has the cheapest rates, coming in at $4,515 per year. The Auto Club Group costs an average 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 lowest rates for high-risk drivers. A high-risk driver is someone with several speeding tickets, accidents or a serious offense like a DUI on their record. This can make it hard to get affordable car insurance.
For drivers with a DUI, American Family is more affordable, with average rates of $2,908.
Check the table below to see how American Family rates compare 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 are different in every state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where American Family and The Auto Club Group offer the lowest rates. Don't forget to compare quotes from different companies, since 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 solid insurance companies, but if rates are what matter most to you, The Auto Club Group may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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