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

If price is what’s most important, American Family is likely going to be the better choice. American Family usually offers lower rates than State Farm. American Family offers full coverage insurance for an average of $1,698 per year and State Farm provides full coverage for $1,975 annually.

The cost of state minimum coverage from State Farm is $497 per year and American Family offers state minimum coverage for $602 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.

CompanyAverage annual rate for full coverageAverage annual rate for state minimum coverage
State Farm$1,975$497
American Family$1,698$602

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 $4,515 per year, whereas State Farm provides insurance to teen drivers for $5,337 annually.

Age (group)State FarmAmerican Family
Young adults$3,165$2,424

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

In our study we found that American Family is an affordable insurer for most drivers than State Farm. American Family is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $2,497 and State Farm's rates after a DUI/DWI offense is $2,905 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 FarmAmerican Family
1 At-fault property damage accident over $2K$2,087$2,101
1 At-fault property damage accident under $2K$2,073$2,091
At-fault bodily injury accident$2,188$2,122
Careless driving$2,089$2,173
DUI/DWI first offense$2,905$2,497
Reckless driving$2,726$2,740

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.