State Farm and American Family are two of the popular insurance companies in the U.S. Both the insurers have a lot to offer, making it difficult for you to choose between them. However, State Farm offers the lowest insurance rates compared to American Family.
To make insurance shopping easy for you we have gathered quotes from both the insurance companies as well as analyzed the carriers based on several rating factors. Find the right insurance policy for you today.
Key takeaways
- The state minimum coverage offered by American Family costs $631 per year, and State Farm offers state minimum coverage at $435 annually.
- The full overage for American Family costs $1,496 per year and for State Farm at $1,482 per year.
- For customer service, American Family earned 3.5 out of 5 stars, while State Farm earned 4 out of 5 stars.
- Pet injury coverage, usage-based/Telematics, mobile app, and accident forgiveness are a few coverage options that American Family provides. State Farm offers coverage options, including mobile app and usage-based/Telematics.
- Multi-vehicle, multi-policy, and safe driver are a few discounts American Family and State Farm offer.
- 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: Customer service and tech friendly
- State Farm vs American Family: Which has better coverage options?
- State Farm vs American Family: Which offers better discounts?
State Farm vs American Family: Which one is the cheapest?
If price is what’s most important, State Farm is likely going to be the better choice. State Farm usually offers lower rates than American Family. State Farm offers full coverage insurance for an average of $1,482 per year and American Family provides full coverage for $1,496 annually.
The cost of state minimum coverage from State Farm is $435 per year and American Family offers state minimum coverage for $631 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage |
|---|---|---|
| State Farm | $1,482 | $435 |
| American Family | $1,496 | $631 |
State Farm vs American Family: Rates by age group
American Family has the cheapest insurance rates for most age groups. Insurance companies have different rates depending on your age. They use it as an indicator to determine how much risk a drive poses and then price policies accordingly.
Car insurance rates are higher for teenagers as they are considered high risk by insurers. Teens should consider buying insurance from American Family, as its rates are lower than State Farm. American Family offers insurance for teenagers at an average of $3,611 per year, whereas State Farm provides insurance to teen drivers for $3,624 annually.
| Age (group) | State Farm | American Family |
|---|---|---|
| Adults | $1,419 | $1,343 |
| Seniors | $1,343 | $1,373 |
| Teens | $3,624 | $3,611 |
| Young adults | $2,066 | $1,872 |
State Farm vs American Family: Rates for high-risk drivers
In our study we found that State Farm is an affordable insurer for most drivers than American Family. State Farm is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $1,922 and American Family's rates after a DUI/DWI offense is $2,398 per year.
When it comes to finding affordable rates for high-risk drivers, State Farm and American Family are two of the best options out there. Although both companies are viable options for high-risk drivers, one may be a better fit for your specific needs. By examining the rates mentioned in the table below, you can make an informed decision about which insurer offers the best rates for your specific situation.
| Profile Value (group) | State Farm | American Family |
|---|---|---|
| 1 At-fault property damage accident over $2K | $1,676 | $1,879 |
| 1 At-fault property damage accident under $2K | $1,657 | $1,879 |
| At-fault bodily injury accident | $1,708 | $1,928 |
| Careless driving | $1,597 | $2,118 |
| DUI/DWI first offense | $1,922 | $2,398 |
| Reckless driving | $1,798 | $2,630 |
| Speeding | $1,610 | $2,188 |
State Farm vs American Family: Customer service and tech friendly
For customer service, State Farm earned 4 stars out of 5, while American Family earned 3.5 stars.
Which insurance company provides a better online experience? Both State Farm and American Family offer online quotes comparison. Apart from that, they have easy to use mobile apps that allow you to pay bills, view your profile and file insurance claims.
State Farm vs American Family: Which has better coverage options?
Every state has different requirements for car insurance, this is because the laws surrounding driving vary from place to place. However, each insurer offers standard coverage such as liability, comprehensive and collision coverage to make sure you're protected if anything goes wrong.
Both State Farm and American Family have a wide range of coverage options. Below table shows the different coverages offered by State Farm and American Family:
State Farm vs American Family: Which offers better discounts?
Insurance companies offer a variety of discounts to help you save money on your car insurance. While they may not seem like much, these dollar amounts add up to trim your insurance costs. Check out what discount options State Farm and American Family offer to policyholders, and which carrier fits your needs.
