Is State Farm or American Family cheaper overall?
For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, American Family costs an average of $1,912. State Farm costs more at an average of $2,874.
American Family costs an average of $516, while State Farm has average rates for state minimum coverage of $765.
According to Insurance.com data, the pricing between carriers for full coverage can vary by hundreds of dollars a year, which is why shopping around and comparing multiple quotes is vital.
The takeaway: Shopping around is the best way to find the cheapest carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., as rates vary widely from place to place and for different drivers.
| 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 | $1,912 | $516 | $782 |
| State Farm | $2,874 | $765 | $969 |
State Farm vs. American Family: Which company is cheaper for teen and adult drivers?
American Family has cheaper average rates for teen drivers at $5,413 per year, compared to State Farm with an average rate of $7,922.
Insurance companies weigh age-based risk data heavily when calculating rates. Rates reduce over time as drivers gain experience on the road.
For adults, $1,906 charges American Family on average, while at State Farm the average rate for an adult is $2,878.
The takeaway: Teens often pay more than double what adults do, but there are companies with cheaper rates for teens, so take the time to compare quotes.
| Age group | State Farm | American Family |
|---|---|---|
| Teens | $7,922 | $5,413 |
| Young adults | $4,624 | $2,873 |
| Adults | $2,878 | $1,906 |
| Seniors | $2,719 | $2,012 |
State Farm vs. American Family: Which company is cheaper for high-risk drivers?
American Family has the best rates for high-risk drivers, with an average rate of $3,273 for a DUI. High-risk drivers face expensive car insurance rates, but the cost varies by carrier and what's on your record.
A high-risk driver may have multiple tickets or accidents, a DUI or a history of reckless driving. Insurance.com data show that a DUI can more than double your rates, so shopping around is critical.
The takeaway: High-risk drivers can save more than $1,000 a year by shopping around to find a carrier that's more lenient with violations.
Take a look at the table below for State Farm rates compared to American Family rates.
| Type of violation | State Farm | American Family |
|---|---|---|
| 1 At-fault property damage accident over $2K | $3,496 | $2,877 |
| 1 At-fault property damage accident under $2K | $3,487 | $2,877 |
| At-fault bodily injury accident | $3,621 | $2,905 |
| Careless driving | $3,507 | $2,482 |
| DUI | $4,613 | $3,273 |
| Reckless driving | $4,406 | $3,157 |
| Speeding | $3,414 | $2,613 |
State Farm vs. American Family: Rates in your state
Insurance rates vary from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you’ll find the cheapest rates for State Farm and American Family. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.
| State | State Farm | American Family |
|---|---|---|
| Alaska | $2,523 | N/A |
| Arizona | $2,883 | N/A |
| California | $3,078 | N/A |
| Colorado | $4,435 | N/A |
| Connecticut | $3,390 | N/A |
| Delaware | $3,008 | $3,225 |
| Florida | $2,681 | N/A |
| Georgia | $4,107 | N/A |
| Hawaii | $2,312 | N/A |
| Idaho | $1,452 | N/A |
| Iowa | $2,005 | N/A |
| Kansas | $2,897 | N/A |
| Kentucky | $3,827 | N/A |
| Louisiana | $4,761 | N/A |
| Maine | $2,357 | N/A |
| Maryland | $2,415 | N/A |
| Michigan | $4,477 | N/A |
| Minnesota | $2,404 | N/A |
| Montana | $1,914 | N/A |
| Nevada | $3,875 | $2,848 |
| New Hampshire | $2,280 | N/A |
| New Jersey | $3,819 | N/A |
| New Mexico | $2,640 | N/A |
| New York | $2,930 | N/A |
| North Carolina | $1,714 | N/A |
| North Dakota | $2,704 | $1,238 |
| Oklahoma | $2,946 | N/A |
| Oregon | $2,383 | N/A |
| Pennsylvania | $2,795 | N/A |
| Rhode Island | $2,162 | $2,924 |
| South Carolina | $3,133 | N/A |
| South Dakota | $2,814 | N/A |
| Tennessee | $3,073 | N/A |
| Texas | $2,264 | N/A |
| Utah | $4,444 | N/A |
| Vermont | $1,410 | N/A |
| Virginia | $2,529 | N/A |
| Washington | $2,522 | $1,752 |
| Washington, D.C. | $4,774 | N/A |
| West Virginia | $2,801 | N/A |
| Wyoming | $1,641 | N/A |
State Farm vs. American Family: Which company offers better auto insurance 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 | State Farm | American Family |
|---|---|---|
| Air bags | 1% | 3% |
| Anti-theft device | 1% | 1% |
| Comp and coll deductibles | 7% | 5% |
| Daily commute | 4% | 7% |
| Days advanced purchase | N/A | 8% |
| Days per week driven | 4% | 6% |
| Electronic Funds Transfer | N/A | 2% |
| Homeowner | 2% | 4% |
| Lower annual mileage | 10% | 4% |
| Loyalty | 14% | 2% |
| Marital status | N/A | 13% |
| Multi policy | 11% | 10% |
| Paperless/Electornic documents | N/A | 4% |
| Payment type | N/A | 9% |
| Primary use | 12% | 11% |
| Safety devices | 4% | 2% |
| Telematics | 8% | 9% |
| Years insured | N/A | 24% |
| Years Licensed | 18% | N/A |
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.
FAQ: Company comparison
Should you choose the cheapest auto insurance company?
No, price should not be the sole consideration when choosing an insurance company. You should also consider customer satisfaction and financial stability ratings as well as ensuring the company offers the coverage you need.
Should you get quotes from both State Farm and American Family before finalizing your insurer?
Yes. It's important to review quotes tailored to you before choosing a carrier. Average rates do not reflect what you will pay, because your rates are based on personal factors.
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