American Family vs. Farmers: Best Auto Insurance for 2024
In our American Family vs. Farmers auto insurance guide, we compare the two companies' average rates based on age, driving record, and credit score. American Family has cheaper auto insurance rates for teen drivers, but Farmers is a better choice for those with a bad driving record or bad credit. Read now to compare rates from multiple auto insurance companies close to home.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- Both American Family and Farmers have strong ratings from financial, government, and consumer agencies
- You can save over $2,500 a year by choosing American Family for the young woman in your household
- If you have a poor driving record, you can save between $400 and $1000 per year by choosing American Family over Farmers
- No matter your credit score, American Family is a better choice
- Farmers has a wider variety of discounts than American Family
This American Family vs. Farmers auto insurance guide will provide a wide variety of auto insurance coverage options when analyzing rates according to your unique qualities like your age, gender, marital status, driving record, and credit score.
We also include external ratings from the most trustworthy agencies and compare American Family and Farmers auto insurance discounts, coverage types, and usage-based insurance programs.
This review discusses Farmers Insurance and American Family Insurance, not American Family Care, which is an urgent care facility.
Continue reading to compare American Family insurance and Farmers insurance, or enter your ZIP code to find affordable auto insurance rates from local companies in your area.
American Family vs Farmers Auto Insurance: which is cheaper based on age?
The older we get, the more practice we have while driving. In calculating auto insurance rates, providers use age as one of the most significant variables.
In most states, it is legal to base auto insurance premiums on marital status and gender; some have banned it, however.
Let’s compare auto insurance rates for American Family and Farmers based on age, gender, and marital status.
American Family vs. Farmers Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
| Age & Gender |  Average Annual Rates |  Average Annual Rates |
|---|---|---|
| Age: 17 Female | $5,997 | $8,522 |
| Age: 17 Male | $8,131.00 | $9,144.00 |
| Age: 25 Female | $2,289 | $2,947.00 |
| Age: 25 Male | $2,695 | $3,041.00 |
| Age: 35 Female | $2,203 | $2,557.00 |
| Age: 35 Male | $2,224 | $2,558.00 |
| Age: 60 Female | $1,993.00 | $2,337.00 |
| Age: 60 Male | $2,014.00 | $2,448.00 |
American Family’s auto insurance rates for teen drivers are about 27 percent cheaper than Farmers. For drivers 25 and older, American Family is 19 percent cheaper than Farmers.
The real savings from American Family are in auto insurance for female teen drivers. You can save over $2,500 a year by choosing American Family for the young woman in your household.
American Family’s auto insurance rates for 25 and older are 31 percent cheaper than Farmers. That’s certainly a bigger difference.
Read more: Farmers vs. USAA: Best Auto Insurance
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American Family vs Farmers Auto Insurance: which is cheaper based on driving record?
No matter what insurer you use, speeding tickets, auto accidents, or DUIs on your driving record will increase your auto insurance premiums and you become a higher risk driver.
American Family vs. Farmers Average Annual Auto Insurance Rates by Driving Record
| Infraction | Average Annual Rates | Average Annual Rates |
|---|---|---|
| Clean record | $2,694 | $3,461 |
| With one speeding violation | $3,026 | $4,079 |
| With one accident | $3,723 | $4,519 |
| With one DUI | $4,330 | $4,719 |
By choosing American Family you can save between $400 and $1000 per year if you have a speeding ticket, accident, or DUI on your record.
It’s also important to take a closer look at how punitive each company is if you sign up with a clean driving record but then later get an infraction.
American Family will be a little easier on you and increase your auto insurance rates by only 12 percent if you get a speeding ticket. For the same infraction, your Farmers auto insurance rates will increase by 18 percent.
Alternatively, Farmers is less punitive with drivers that cause an accident and raise their rates by only 31 percent. American Family will raise your rates by 38 percent if you cause an accident.
Farmers will also be easier on you if you get a DUI. They will increase your auto insurance rates by only 36 percent. If you choose American Family, expect your rates to increase by 61 percent if you get a DUI.
American Family vs Farmers Auto Insurance: which is cheaper based on credit score?
If you undergo some sort of financial trauma, such as incurring medical debt or going through a divorce, a good credit score will drop in a matter of months. It is legal for auto insurance providers to base premiums on your credit score in most states; however, some outlaw it along with gender and marital status dependent rates.
Auto insurance providers justify using your credit score to decide your rates because of the premise that people with higher credit scores are more responsible and that, overall, are less likely to file a claim.
Let’s take a look at how American Family and Farmers consider your rates based on your credit score.
American Family vs. Farmers Average Annual Auto Insurance Rates by Credit Score
| Credit Score | Average Annual Rates | Average Annual Rates |
|---|---|---|
| Good Credit (670-739) | $2,692 | $3,677 |
| Fair Credit Score (580-669) | $3,170 | $3,899 |
| Poor Credit Score (300-579) | $4,468 | $4,864 |
For any type of credit (good, fair, or poor), American Family is a better option.
Once you are with American Family, and your credit score drops, expect your auto insurance rates to increase by up to 66 percent as compared to Farmers, which will increase your rates by only 32 percent.
Before you judge the rates of these two companies based on credit score alone, learn about the specifications of your state’s minimum car insurance requirements and compare rates from a number of companies.
Hopefully, if you have bad credit, you live in a state that has outlawed basing rates on credit scores.
Does American Family or Farmers have better auto insurance discounts?
Discounts from car insurance providers vary widely, and they are typically focused on the principles and ideology of a company. That’s why, particularly if you have a poor driving record or a low credit score, it pays to shop around. Discounts can help counter high costs.
American Family vs. Farmers Auto Insurance Discounts
| Discounts | Discounts Offered (Percentage) | Discounts Offered (Percentage) |
|---|---|---|
| Adaptive Headlights | N/A | Yes |
| Anti-lock Brakes | Yes | Yes |
| Anti-Theft | Yes | Yes |
| Claim Free | Yes | Yes |
| Continuous Coverage | Yes | Yes |
| Daytime Running Lights | N/A | Yes |
| Defensive Driver | 10 | Yes |
| Distant Student | N/A | Yes |
| Driving Device/App | 40 | Yes |
| Early Signing | N/A | Yes |
| Emergency Deployment | Yes | Yes |
| Engaged Couple | Yes | Yes |
| Family Legacy | Yes | Yes |
| Family Plan | Yes | Yes |
| Farm Vehicle | Yes | Yes |
| Fast 5 | Yes | N/A |
| Federal Employee | Yes | Yes |
| Further Education | Yes | N/A |
| Garaging/Storing | Yes | Yes |
| Good Credit | N/A | Yes |
| Green Vehicle | N/A | 5 |
| Homeowner | Yes | Yes |
| Life Insurance | N/A | Yes |
| Loyalty | Yes | Yes |
| Married | N/A | Yes |
| Military | Yes | Yes |
| Military Garaging | Yes | N/A |
| Multiple Vehicles | N/A | Yes |
| New Graduate | Yes | Yes |
| Newer Vehicle | Yes | Yes |
| Paperless Documents | N/A | Yes |
| Passive Restraint | 30 | N/A |
| Recent Retirees | Yes | Yes |
| Renter | Yes | Yes |
| Roadside Assistance | Yes | Yes |
| Stable Residence | Yes | Yes |
| Switching Provider | N/A | Yes |
| Vehicle Recovery | Yes | N/A |
| VIN Etching | Yes | Yes |
| Volunteer | Yes | N/A |
When comparing discounts offered by either company, American Family has a total of 29 auto insurance discounts and Farmers has a total of 34 discounts.
American Family’s best auto insurance discounts range from 10 to 40 percent for taking a defensive driving course, having air bags, or using their driving app.
The discounts provided by auto insurance providers also target particular categories of drivers, so be sure to inquire if there are any extra discounts by calling American Family or Farmers customer service at the American Family or Farmers phone number.
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What types of auto insurance coverages are offered by American Family and Farmers?
Since both American Family and Farmers are two of the 10 companies that make up the majority of the auto insurance market share, they have the means to provide a broader range of coverages for auto insurance that go beyond the six standard coverages mentioned below. Before buying each one, make sure you understand your options in auto insurance coverage.
- Liability auto insurance coverage – bodily injury and property damage
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/Underinsured auto insurance coverage
- Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
- Personal Injury Protection (PIP) auto insurance coverage
Be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.
Does American Family or Farmers have better auto insurance mobile apps?
In the last decade or so, usage-based auto insurance has become an individualized standard, and all of the larger auto insurance providers have a driving app you can install into your car or uses telematic mechanisms in your smartphone.
If you choose the usage-based auto insurance option with Farmers or American Family, care should be taken in driving safely because your rates may depend on it.
A more general app is also offered by major auto insurance providers to allow you to access your policy, make adjustments, and pay your bill. Usually, in both the general app and the driving app, your American Family insurance login or Farmers insurance login would be the same.
Read more about each of these companies’ usage-based auto insurance programs in our American Family auto insurance review and our Farmers auto insurance review.
How does American Family and Farmers auto insurance compare in financial strength and customer satisfaction?
It is a major financial commitment to buy car insurance, so you want to be sure you are choosing the right company that will have your back when you need it.
Before you make your decision, the financial strength of a company, consumer satisfaction with the claims process, and customer concerns should all be considered.
Insight into these factors is provided by the following three agencies:
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
https://www.consumerreports.org/cro/index.htm collects annual data from its subscribers regarding customer satisfaction of the American Family claims process and the Farmers claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
Let’s take a closer look at ratings from credible third-party agencies for American Family and Farmers.
American Family vs. Farmers Company Ratings
| Rating Agency | | |
|---|---|---|
| AM Best Rating | A | A |
| Consumer Reports | 89 | 89 |
| NAIC Company Complaint Ratio | 0.79 | 0.59 |
| NAIC Total Complaints | 73 | 7 |
Both American Family and Farmers are highly rated when it comes to customer satisfaction, the claims process, and financial stability. Both companies also manage their complaint ratios well. However, if you decide to switch from Farmers to American Family, learn how you can cancel your auto insurance policy with Farmers here.
Ready to buy auto insurance? When you’re not sure which company to choose, you can always use our FREE comparison tool to compare auto insurance quotes from the auto insurance companies in your area.
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Frequently Asked Questions
Can I easily obtain Farmers’ mechanical breakdown insurance?
Yes, you can easily obtain Farmers’ mechanical breakdown insurance. This coverage can be added to your existing auto insurance policy through Farmers. It is designed to help cover the costs of repairs for mechanical failures not covered by your standard auto insurance. To get this coverage, you can contact a Farmers insurance agent or visit their website to explore options and obtain a quote.
What are 10 reasons to choose American Family Insurance?
- Competitive rates for various driver profiles.
- Comprehensive coverage options, including mechanical breakdown and gap coverage.
- Strong customer service with 24/7 support.
- Discounts for bundling home and auto insurance.
- High ratings for financial stability and claims handling.
- Personalized coverage options tailored to individual needs.
- Flexible payment plans and discounts for safe driving.
- Access to a wide network of repair shops and service centers.
- Offers innovative technology like usage-based insurance.
- Positive customer reviews and high satisfaction ratings.
How does 21st Century compare to Farmers?
21st Century Insurance typically offers lower rates compared to Farmers, especially for drivers with good records. However, Farmers provides more extensive coverage options and additional services like roadside assistance and rental car coverage. Farmers also has a broader range of discounts and is known for personalized customer service.
What should I know about American Family auto claims?
American Family Insurance is recognized for its simple and efficient claims process. Clients can submit claims either online or via the mobile app, emphasizing prompt and effective service. Additionally, the company provides a range of tools and resources to assist with tracking and managing your claim, including American Family roadside service options.
How do American Family homeowners insurance ratings compare?
American Family Insurance generally receives strong ratings for homeowners insurance, reflecting positive customer feedback and solid financial stability. Ratings may vary slightly by region, but overall, American Family is well-regarded for its coverage options and customer service.
Does American Family Insurance offer rental car coverage?
Yes, American Family Insurance offers rental car coverage as part of its auto insurance policies. This coverage helps pay for a rental vehicle while your car is being repaired due to a covered claim.
What discounts are available with American Family home insurance?
American Family provides various discounts on home insurance, including those for bundling policies, having security systems, being claims-free, and maintaining a good credit score. As highlighted in American Family Insurance reviews, discounts may vary based on your location and policy details, and the specific American Family Insurance discounts available to you could differ.
Does American Family Insurance provide 24-hour roadside assistance?
Yes, American Family Insurance provides 24-hour roadside assistance with its auto insurance plans. This coverage includes support for flat tires, lockouts, fuel delivery, and towing. For assistance, you can contact the American Family roadside assistance number.
What does American Family Insurance’s gap coverage include?
American Family Insurance’s gap coverage helps pay the difference between what you owe on your car loan or lease and the car’s actual cash value if it’s totaled in a covered accident. This coverage is designed to protect you from financial loss in the event of a total loss.
What types of coverage does American Family Insurance offer?
American Family Insurance provides a range of coverage options including liability, collision, comprehensive, uninsured motorist, rental car coverage, and mechanical breakdown. They also offer homeowners, renters, and life insurance.
What is American Family Insurance’s A.M. Best rating?
American Family Insurance typically holds a high A.M. Best rating, reflecting its strong financial stability and ability to meet its ongoing insurance obligations. This rating can vary slightly, so it’s advisable to check the latest rating for the most current information.
How does American Family Insurance’s roadside assistance work?
American Family Insurance’s roadside assistance provides help with common roadside issues such as flat tires, lockouts, fuel delivery, and towing. You can request assistance via their mobile app, website, or customer service line.
Does American Family Insurance offer towing reimbursement?
Yes, American Family Insurance offers towing reimbursement as part of its auto insurance policies. This coverage helps pay for the cost of towing your vehicle to a repair shop if it’s disabled due to a covered incident.
How does American Family Insurance compare to Progressive?
American Family Insurance often provides lower rates for certain demographics, such as young drivers. Progressive, however, is known for its competitive pricing, diverse coverage options, and additional tools like the Name Your Price® tool. Both companies offer robust insurance options, but individual preferences and needs will determine the best choice.
What is the American Family Insurance roadside assistance phone number?
The phone number for American Family Insurance’s roadside assistance can vary by location. It’s best to check your policy documents or contact American Family directly for the most accurate contact information.
Where can I find an American Family auto insurance agency?
You can find an American Family auto insurance agency by visiting their website and using the agent locator tool. Alternatively, you can call their customer service for assistance in finding an agent near you.
What is Gap insurance and does Farmers offer it?
Farmers’ gap insurance, a feature often highlighted in the best Farmers Insurance reviews, helps cover the difference between what you owe on your car loan or lease and the actual cash value of your vehicle if it’s totaled. This protection is valuable for avoiding financial loss in the event of a total loss accident. For insights on additional coverage, including Farmers homeowners insurance review, explore the various options available.
How does Geico compare to American Family Insurance?
Geico is known for its low rates and extensive online tools, while American Family Insurance offers competitive rates with a focus on personalized service and additional coverage options. Both companies have strong customer service but may differ in pricing and coverage features.
How does Progressive compare to American Family Insurance?
Progressive offers competitive pricing with unique features like the Snapshot® program, which rewards safe driving. American Family Insurance, on the other hand, provides a broad range of coverage options and discounts. Choosing between them depends on your specific needs and preferences.
How does AAA Insurance compare to Farmers?
AAA Insurance is known for its roadside assistance and membership benefits, while Farmers Insurance offers a wider range of coverage options and discounts. Both companies provide strong customer service, but Farmers may offer more comprehensive coverage options.
Why do Farmers Insurance rates increase?
Farmers Insurance ratings might rise due to various factors, including your claims history, modifications to your driving record, changes in coverage, or broader market trends influencing insurance pricing. For instance, shifts in your claims record or updates to your driving profile can impact your Farmers Family Insurance premiums.
What discount does Liberty Mutual offer for defensive driving courses?
Liberty Mutual provides discounts for completing a defensive driving course, with the amount varying based on state regulations and individual situations. Generally, this discount, known as the Liberty Mutual defensive driving course discount, can range from 5% to 10% off your auto insurance premium.
How does Farmers Insurance compare to American Family Insurance?
Farmers Insurance and American Family Insurance both offer competitive rates and a wide range of coverage options. Farmers is known for its extensive discount opportunities and comprehensive coverage, while American Family often provides lower rates for younger drivers and good customer service.
How does Geico compare to Farmers Insurance?
Geico typically offers lower rates and a user-friendly online experience. Farmers Insurance provides a broader range of coverage options and personalized service. Geico might be more affordable, while Farmers offers more extensive coverage options and services.
How does USAA compare to Farmers Insurance?
USAA generally offers lower rates and excellent customer service for military families, while Farmers Insurance provides a wider range of coverage options and discounts. USAA may be more cost-effective for eligible members, whereas Farmers caters to a broader audience.
How does American Family Insurance compare to USAA?
American Family Insurance provides competitive rates and a range of coverage options suitable for a general audience. USAA is known for its low rates and superior customer service for military families. If you’re eligible for USAA, it may offer better rates and benefits.
How does State Farm compare to American Family for home insurance?
State Farm and American Family both offer strong home insurance options. State Farm is known for its extensive agent network and customer service, while American Family provides competitive rates and various discounts. The choice may depend on specific coverage needs and local agent availability.
How does State Farm compare to Farmers for car insurance?
State Farm and Farmers both offer competitive car insurance rates and comprehensive coverage options. State Farm is known for its large network of agents and extensive discount opportunities, while Farmers provides personalized service and a variety of additional coverage options.
How does State Farm compare to Farmers for homeowners insurance?
State Farm and Farmers both offer robust homeowners insurance policies. State Farm is praised for its broad agent network and customer service, while Farmers is recognized for its extensive coverage options and discounts. Your choice may depend on specific policy details and agent availability.
What is Farmers Insurance’s A.M. Best rating?
Farmers Insurance typically holds a high A.M. Best rating, indicating strong financial stability and reliability. It’s advisable to check the latest rating for the most current information.
How does Farmers Insurance roadside assistance compare to AAA?
Farmers Insurance roadside assistance offers similar services to AAA, including towing and lockout help. However, AAA is known for its extensive network and additional benefits, such as travel discounts and concierge services. Farmers’ roadside assistance is more integrated with your insurance policy.
What is Farmers’ specialty insurance?
Farmers offers specialty insurance for various needs, including coverage for recreational vehicles, motorcycles, boats, and more. This specialized coverage provides tailored protection for non-standard vehicles and property. With a strong Farmers A.M. Best rating, the company is well-regarded for its Farmers car insurance as well as its Farmers specialty insurance options.
What do Consumer Reports reviews say about American Family Insurance?
Consumer Reports generally highlights American Family Insurance for its strong customer service and competitive rates. The company is often praised for its efficient American Family auto insurance claims process and overall customer satisfaction. For managing your policy and tracking claims, you can use the American Family Insurance login to access these services.
Is Farmers Insurance considered good or bad?
Farmers Insurance is considered a reputable provider with a wide range of coverage options and discounts. It is known for its solid customer service and comprehensive insurance offerings. However, individual experiences may vary, so it’s important to compare with other insurers and review customer feedback.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.