Allstate vs American Family

Side-by-side car insurance comparison based on rates across all available locations

Allstate

3.9

Avg Monthly

$156/mo

Best Rate

$82/mo

Best For

Bundle savings

Top Discount

Multi-policy 25%

Founded

1931 · Northbrook, Illinois

Available In

14 locations

Lower Avg Rate

American Family

4.4

Avg Monthly

$79/mo

Best Rate

$60/mo

Best For

Great Plains families

Top Discount

KnowYourDrive 20%

Available In

9 locations

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Rate Comparison by State

Allstate cheaper: 0American Family cheaper: 0

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Pros & Cons

Allstate

Pros

✓Drivewise telematics rewards safe driving habits
✓Broad network of local agents
✓New car replacement and gap insurance available
✓Deductible rewards programme reduces your excess over time

Cons

✗Rates tend to be above average versus national competitors
✗Some claims processes reported as slow by policyholders

American Family

Detailed profile not yet available for American Family.

Which Should You Choose?

Allstate and American Family are evenly matched — each is cheaper in 0 of 0 states where both operate.

American Family has a higher average customer rating (4.4/5) compared to Allstate (3.9/5). However, ratings can vary by state and coverage type.

Allstate is generally best for bundle savings, while American Family stands out for great plains families. The right choice depends on your priorities — lowest price, best service, or specific discounts.

Get a Allstate Quote

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Allstate vs American Family — FAQs

Is Allstate cheaper than American Family?

Allstate is cheaper in 0 of 0 states where both operate. However, rates vary by location, so American Family may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — Allstate or American Family?

Allstate has an average rating of 3.9/5, while American Family averages 4.4/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does Allstate offer vs American Family?

Allstate's top discount is "Multi-policy 25%", while American Family offers "KnowYourDrive 20%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.

Can I switch from Allstate to American Family?

Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both Allstate and American Family to compare rates for your specific situation.

Which is better for my state?

It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

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