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American Family vs Farmers

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

VS

Farmers

4

Avg Monthly

$109/mo

Best Rate

$62/mo

Best For

Rural coverage

Top Discount

Good student 20%

Available In

14 locations

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Rate Comparison by State

American Family cheaper: 3Farmers cheaper: 0
Colorado$126/mo$148/moAmerican Family saves $22/mo
Minnesota$76/mo$96/moAmerican Family saves $20/mo
South Dakota$62/mo$72/moAmerican Family saves $10/mo

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Which Should You Choose?

American Family is the cheaper option in 3 of 3 states where both insurers operate, saving an average of $17/month. Farmers is cheaper in 0 states.

American Family has a higher average customer rating (4.4/5) compared to Farmers (4/5). However, ratings can vary by state and coverage type.

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

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American Family vs Farmers — FAQs

Is American Family cheaper than Farmers?
American Family is cheaper in 3 of 3 states where both operate. However, rates vary by location, so Farmers may be cheaper in your area. Always compare quotes for your specific state and circumstances.
Which has better ratings — American Family or Farmers?
American Family has an average rating of 4.4/5, while Farmers averages 4/5 across all states. Both are well-established insurers with strong financial stability.
What discounts does American Family offer vs Farmers?
American Family's top discount is "KnowYourDrive 20%", while Farmers offers "Good student 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 American Family to Farmers?
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 American Family and Farmers 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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