State Farm vs. American Family: Which offers the cheapest auto insurance rates?

State Farm vs. American Family: Which one is the cheapest?

State Farm costs an average of $502, while American Family has average rates for state minimum coverage of $602.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, American Family costs an average of $1,698. State Farm costs more at an average of $1,984.

It’s always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only car insurance
State Farm	$1,984	$502	$651
American Family	$1,698	$602	$870

State Farm vs. American Family: Rates by age group

For a teen – one of the most expensive age groups to insure – American Family has the cheapest rates, coming in at $4,515 per year. State Farm costs an average of $5,368 for a teen driver.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest – and therefore most expensive – age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,701 at American Family, while at State Farm the average rate for an adult is $1,985.

Age (group)	State Farm	American Family
Teens	$5,368	$4,515
Young adults	$3,179	$2,424
Adults	$1,985	$1,701
Seniors	$1,858	$1,813

State Farm vs. American Family: Rates for high-risk drivers

American Family has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, American Family is cheaper, with average rates of $2,908.

Take a look at the table below for State Farm’s rates compared to American Family’s rates.

Type of violation	State Farm	American Family
1 At-fault property damage accident over $2K	$2,411	$2,447
1 At-fault property damage accident under $2K	$2,403	$2,447
At-fault bodily injury accident	$2,497	$2,542
Careless driving	$2,419	$2,205
DUI	$3,179	$2,908
Reckless driving	$3,037	$2,805
Speeding	$2,321	$2,321

State Farm vs. American Family: Rates in your state

Insurance rates vary from state to state. Carriers factor in data from your region and ZIP code, including weather, crime and traffic trends to calculate risk. The table below shows where you’ll find the cheapest rates for State Farm and American Family. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.

State	State Farm	American Family
Alabama	$1,790	N/A
Alaska	$1,713	N/A
Arizona	$2,233	N/A
Arkansas	$2,060	N/A
California	$2,701	N/A
Colorado	$1,950	N/A
Connecticut	$1,733	N/A
Delaware	$2,153	$2,709
Florida	$2,119	N/A
Georgia	$2,344	N/A
Hawaii	$1,938	N/A
Idaho	$1,120	N/A
Illinois	$1,633	N/A
Indiana	$1,616	N/A
Iowa	$1,306	N/A
Kansas	$1,976	N/A
Kentucky	$2,753	N/A
Louisiana	$3,570	N/A
Maine	$1,262	N/A
Maryland	$2,177	N/A
Massachusetts	$689	N/A
Michigan	$3,698	N/A
Minnesota	$1,525	N/A
Mississippi	$1,797	N/A
Missouri	$2,072	N/A
Montana	$1,858	N/A
Nebraska	$2,344	N/A
Nevada	$1,443	$2,429
New Hampshire	$1,155	N/A
New Jersey	$2,153	N/A
New Mexico	$1,669	N/A
New York	$1,951	N/A
North Carolina	$1,180	N/A
North Dakota	$1,738	$1,092
Oklahoma	$1,861	N/A
Oregon	$1,502	N/A
Pennsylvania	$2,473	N/A
Rhode Island	$1,319	$1,833
South Carolina	$2,106	N/A
South Dakota	$2,096	N/A
Tennessee	$1,677	N/A
Texas	$1,956	N/A
Utah	$2,175	N/A
Vermont	$1,139	N/A
Virginia	$1,479	N/A
Washington	$1,794	$1,750
Washington, D.C.	$2,426	N/A
West Virginia	$1,691	N/A
Wisconsin	$2,378	N/A
Wyoming	$1,521	N/A

N/A represents data is not available.

State Farm vs. American Family: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts State Farm and American Family offer to their customers.

Discounts	American Family	State Farm
Payment Type	9%	N/A
Multi Policy	9%	10%
Days Advanced Purchase	8%	N/A
Primary Use	7%	12%
Daily Commute	6%	2%
Days Per Week Driven	6%	4%
Electronic Funds Transfer	5%	N/A
Paperless/Electornic Documents	5%	N/A
Loyalty - Years Renewal With Company	5%	18%
Safety Devices	2%	4%
Homeowner	4%	2%
Years Licensed	35%	18%
Lower Annual Mileage	3%	10%
Air Bags	2%	2%
Years Insured	14%	N/A
Telematics	N/A	13%
Marital Status	11%	N/A
Anti-Theft Device	1%	1%

N/A represents data is not available.

Always be sure to ask about available discounts when you’re shopping around for insurance to see what you may qualify for.

State Farm vs. American Family: The bottom line

Both State Farm and American Family are solid insurance companies, but if rates are what matter most to you, American Family may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.

Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.

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