- State Farm vs. American Family: Which one is the cheapest?
- State Farm vs. American Family: Rates by age group
- State Farm vs. American Family: Rates for high-risk drivers
- State Farm vs. American Family: Which is better rated?
- State Farm vs. American Family: Rates in your state
- State Farm vs. American Family: Which offers better discounts?
- State Farm vs. American Family: The bottom line
- Methodology
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: Which is better rated?
When choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., consider customer service, claims handling, and online experience along with price. Check the table below to see how State Farm and American Family scored among the best car insurance companies of 2025.
Overall, State Farm earned a score of 4.27, while American Family received a score of NULL .
Ratings | State Farm |
---|---|
NAIC | 0.70 |
AM Best | A++ |
Average annual premium | $1,980 |
Average monthly premium | $165 |
Customer Satisfaction | |
Insurance.com score |
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:
- 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.
Company ratings are based on our annual Best Car Insurance Companies survey and third-party data from:
- The National Association of Insurance Commissioners
- AM Best
See our full methodology here.