American Family vs State Farm

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

State Farm

4.5

Avg Monthly

$101/mo

Best Rate

$56/mo

Best For

Overall value

Top Discount

Multi-policy 17%

Founded

1922 · Bloomington, Illinois

Available In

50 locations

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Rate Comparison by State

American Family cheaper: 7State Farm cheaper: 2


Wisconsin	$78/mo	$84/mo	American Family saves $6/mo
Minnesota	$76/mo	$78/mo	American Family saves $2/mo
Kansas	$74/mo	$76/mo	American Family saves $2/mo
Nebraska	$72/mo	$74/mo	American Family saves $2/mo
Iowa	$70/mo	$72/mo	American Family saves $2/mo
South Dakota	$62/mo	$64/mo	American Family saves $2/mo
North Dakota	$60/mo	$62/mo	American Family saves $2/mo
Colorado	$126/mo	$118/mo	State Farm saves $8/mo
Missouri	$92/mo	$82/mo	State Farm saves $10/mo

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Pros & Cons

American Family

Detailed profile not yet available for American Family.

State Farm

Pros

✓Largest agent network in the US for local, in-person service
✓Consistently high customer satisfaction scores
✓Competitive rates for multi-policy bundles
✓Broad product range: auto, home, life, health, business

Cons

✗Premiums can be above average in some states
✗Digital tools lag behind online-first competitors

Which Should You Choose?

American Family is the cheaper option in 7 of 9 states where both insurers operate, saving an average of $3/month. State Farm is cheaper in 2 states.

State Farm has a higher average customer rating (4.5/5) compared to American Family (4.4/5). However, ratings can vary by state and coverage type.

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

Get a State Farm Quote

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American Family vs State Farm — FAQs

Is American Family cheaper than State Farm?

American Family is cheaper in 7 of 9 states where both operate. However, rates vary by location, so State Farm may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — American Family or State Farm?

American Family has an average rating of 4.4/5, while State Farm averages 4.5/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does American Family offer vs State Farm?

American Family's top discount is "KnowYourDrive 20%", while State Farm offers "Multi-policy 17%". 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 State Farm?

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 State Farm 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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