American Family vs. Farmers Auto Insurance (2021)

Comparing American Family vs. Farmers auto insurance rates show American Family insurance is cheaper. American Family is particularly a good choice for female teens and drivers with a speeding ticket, accident, or DUI. Farmers has a wider variety of auto insurance discounts. and external ratings of American Family vs. Farmers auto insurance companies from A.M. Best give both an "A".

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 28, 2021

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Things to Remember

  • 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 female teen driver in your household
  • If you have a poor driving record, you can save between $400 and $1,000 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

You probably know the auto insurance basics now that you’ve landed here ready to compare two great contenders, American Family vs. Farmers, to choose the auto insurance company that will have your back when you need it.

American Family vs. Farmers auto insurance companies are both on the list of the best auto insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength?

This review discusses Farmers auto insurance and American Family auto insurance, not American Family Care, which is an urgent care facility.

Read now to learn how to find affordable American Family vs. Farmers auto insurance rates, or enter your ZIP code above to start comparing car insurance quotes from the top providers in your area.

American Family vs. Farmers Auto Insurance: Which is cheaper based on age?

Generally speaking, the older we get, the more driving experience we have. In calculating auto insurance rates, providers use age as one of the most significant variables.

Let’s compare American Family vs. Farmers auto insurance rates based on age, gender, and marital status.

American Family vs. Farmers Average Annual Auto Insurance Rates by Age
Age, Gender, and Marital StatusAmerican Family Average Annual RatesFarmers Average Annual Rates
Single 17-year-old female$5,997$8,522
Single 17-year-old male$8,131$9,144
Single 25-year-old female$2,289$2,947
Single 25-year-old male$2,695$3,041
Married 35-year-old female$2,203$2,557
Married 35-year-old male$2,224$2,558
Married 60-year-old female$1,993$2,337
Married 60-year-old male$2,014$2,448
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American Family’s auto insurance quotes for teen drivers are typically about 27% cheaper than Farmers’ rates. For drivers 25 and older, American Family is 19% cheaper than Farmers.

The real savings from American Family is 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 those 25 and older are 31% cheaper than Farmers’. That’s certainly a bigger difference.

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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 rates, as you will be viewed as a high-risk driver.

American Family vs. Farmers Average Annual Auto Insurance Rates by Driving Record
InfractionAmerican Family Average Annual RatesFarmers 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
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By choosing American Family you can save between $400 and $1,000 per year if you have a speeding ticket, accident, or DUI on your record.

It’s also important to take a close 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% if you get a speeding ticket. For the same infraction, your Farmers auto insurance rates will increase by 18%.

Alternatively, Farmers is less punitive with drivers that cause an accident and raise their rates by only 31%. American Family will raise your rates by 38% if you cause an accident.

Farmers will also be easier on you if you get a DUI, increasing your auto insurance rates by only 36%. If you choose American Family, expect your rates to increase by 61% if you get a DUI.

American Family vs. Farmers Auto Insurance: Which is cheaper based on credit score?

Auto insurance providers justify using your credit score to decide your rates based on the premise that people with higher credit scores are more responsible and less likely to file a claim.

Let’s take a look at how American Family and Farmers set rates based on your credit score.

American Family vs. Farmers Average Annual Auto Insurance Rates by Credit Score
Credit ScoreAmerican Family Average Annual RatesFarmers 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
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For any type of credit (good, fair, or poor), American Family is a better option.

Once you are with American Family, if your credit score drops, expect your auto insurance rates to increase by up to 66%, whereas Farmers will increase your rates by only 32%.

It is legal for auto insurance providers to base rates on your credit score in most states; however, some have banned this practice along with gender and marital status dependent rates. You may live in a state where basing auto insurance rates on credit score is illegal, so make sure to check your local laws before choosing between American Family vs. Farmers.

Does American Family or Farmers have better auto insurance discounts?

Each company has its selling point, and sometimes that comes down to who has the best car insurance discounts that apply to your specific situation.

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
DiscountsAmerican Family Discounts Offered (Percentage)Farmers Discounts Offered (Percentage)
Adaptive HeadlightsN/AYes
Anti-lock BrakesYesYes
Anti-TheftYesYes
Claim FreeYesYes
Continuous CoverageYesYes
Daytime Running LightsN/AYes
Defensive Driver10Yes
Distant StudentN/AYes
Driving Device/App40Yes
Early SigningN/AYes
Emergency DeploymentYesYes
Engaged CoupleYesYes
Family LegacyYesYes
Family PlanYesYes
Farm VehicleYesYes
Fast 5YesN/A
Federal EmployeeYesYes
Further EducationYesN/A
Garaging/StoringYesYes
Good CreditN/AYes
Green VehicleN/A5
HomeownerYesYes
Life InsuranceN/AYes
LoyaltyYesYes
MarriedN/AYes
MilitaryYesYes
Military GaragingYesN/A
Multiple VehiclesN/AYes
New GraduateYesYes
Newer VehicleYesYes
Paperless DocumentsN/AYes
Passive Restraint30N/A
Recent RetireesYesYes
RenterYesYes
Roadside AssistanceYesYes
Stable ResidenceYesYes
Switching ProviderN/AYes
Vehicle RecoveryYesN/A
VIN EtchingYesYes
VolunteerYesN/A
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When comparing discounts offered by these two companies, 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 ten to 40% for taking a defensive driving course, having airbags, or using their driving app.

The discounts offered by auto insurance providers also target particular categories of drivers, so be sure to ask 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 beyond the six standard coverages mentioned below.

Before buying each one, make sure you understand your auto insurance coverage options:

  • 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 close look at any specialty coverages you might need, such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and insurance for 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 industry standard, and all of the larger auto insurance providers have a device you can install into your car or a telematics app for 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 that 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 login or Farmers insurance login would be the same.

How does American Family vs. Farmers auto insurance compare in financial strength and customer satisfaction?

It is a major financial commitment to buy auto 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 companies’ financial strength, consumer satisfaction with the American Family and Farmers insurance claims processes, and customer concerns should 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++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the American Family insurance claims process and the Farmers claims process, step by step. In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.

The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints. In 2017, the national average complaint ratio was one. 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 AgencyAmerican FamilyFarmers
AM Best RatingAA
Consumer Reports8989
NAIC Company Complaint Ratio0.790.59
NAIC Total Complaints737
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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.

Before you buy American Family vs. Farmers auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.

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