State Farm vs. American Family: Which offers the cheapest auto insurance rates?

State Farm vs. American Family: Which one is the cheapest?

State Farm costs $502 per year, while American Family costs $602 per year for state minimum coverage.

For full coverage with 100/300/100 liability limits and $500 deductibles for comprehensive and collision coverage, American Family costs an average of $1,698. On the other hand, State Farm is more expensive, with an average cost of $1,984.

It's always best to compare quotes because rates may differ in each state and also vary depending on your needs.

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
State Farm	$1,984	$502	$651
American Family	$1,698	$602	$870

State Farm vs. American Family: Rates by age group

For a teen — one of the most expensive age groups to insure — American Family has the cheapest rates, coming in at $4,515 per year. State Farm costs an average of $5,368 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 $1,701 at American Family, while at State Farm the average rate for an adult is $1,985.

Age group	State Farm	American Family
Teens	$5,368	$4,515
Young adults	$3,179	$2,424
Adults	$1,985	$1,701
Seniors	$1,858	$1,813

State Farm vs. American Family: Rates for high-risk drivers

American Family offers the lowest rates for high-risk drivers. A high-risk driver is someone with multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it harder to find affordable car insurance.

For drivers with a DUI, American Family is more affordable, with an average rate of $2,908.

Check out the table below to see how State Farm rates compare to American Family rates for different driving violations.

Type of violation	State Farm	American Family
1 At-fault property damage accident over $2K	$2,411	$2,447
1 At-fault property damage accident under $2K	$2,403	$2,447
At-fault bodily injury accident	$2,497	$2,542
Careless driving	$2,419	$2,205
DUI	$3,179	$2,908
Reckless driving	$3,037	$2,805
Speeding	$2,321	$2,321

State Farm vs. American Family: Rates in your state

Insurance rates are different in each state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you can find the cheapest rates from State Farm and American Family. It's always a good idea to compare multiple quotes, as your final price will depend on your location, driving history and personal situation.

State	State Farm	American Family
Alabama	$1,790	N/A
Alaska	$1,713	N/A
Arizona	$2,233	N/A
Arkansas	$2,060	N/A
California	$2,701	N/A
Colorado	$1,950	N/A
Connecticut	$1,733	N/A
Delaware	$2,153	$2,709
Florida	$2,119	N/A
Georgia	$2,344	N/A
Hawaii	$1,938	N/A
Idaho	$1,120	N/A
Illinois	$1,633	N/A
Indiana	$1,616	N/A
Iowa	$1,306	N/A
Kansas	$1,976	N/A
Kentucky	$2,753	N/A
Louisiana	$3,570	N/A
Maine	$1,262	N/A
Maryland	$2,177	N/A
Massachusetts	$689	N/A
Michigan	$3,698	N/A
Minnesota	$1,525	N/A
Mississippi	$1,797	N/A
Missouri	$2,072	N/A
Montana	$1,858	N/A
Nebraska	$2,344	N/A
Nevada	$1,443	$2,429
New Hampshire	$1,155	N/A
New Jersey	$2,153	N/A
New Mexico	$1,669	N/A
New York	$1,951	N/A
North Carolina	$1,180	N/A
North Dakota	$1,738	$1,092
Oklahoma	$1,861	N/A
Oregon	$1,502	N/A
Pennsylvania	$2,473	N/A
Rhode Island	$1,319	$1,833
South Carolina	$2,106	N/A
South Dakota	$2,096	N/A
Tennessee	$1,677	N/A
Texas	$1,956	N/A
Utah	$2,175	N/A
Vermont	$1,139	N/A
Virginia	$1,479	N/A
Washington	$1,794	$1,750
Washington, D.C.	$2,426	N/A
West Virginia	$1,691	N/A
Wisconsin	$2,378	N/A
Wyoming	$1,521	N/A

State Farm vs. American Family: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts State Farm and American Family offer to their customers.

Discounts	American Family	State Farm
Multi policy	9%	10%
Payment type	9%	N/A
Days advanced purchase	8%	N/A
Daily commute	6%	2%
Electronic funds transfer	5%	N/A
Loyalty	5%	18%
Paperless/electornic documents	5%	N/A
Homeowner	4%	2%
Safety devices	2%	4%
Lower annual mileage	3%	10%
Air bags	2%	2%
Telematics	N/A	13%
Marital status	11%	N/A
Anti-theft device	1%	1%

Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.

State Farm vs. American Family: The bottom line

Both State Farm and American Family are solid insurance companies, but if rates are what matter most to you, American Family 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

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: