Is Allstate or American Family better?
When it comes to auto insurance, Allstate and American Family are two of the leading national companies. For those looking for convenience, Allstate has received high marks for their ease of service. Customers looking to be well taken care of will appreciate American Family’s exceptional customer service ratings.
While both offer competitive rates and a wide range of coverage options, it’s important to consider your own needs carefully before selecting the right provider for you.
Keep reading to see how American Family compares to Allstate regarding the top auto insurance companies survey.
Pros of Allstate and American FamilyAmerican Family Pros
- Excellent customer service
- Good home and auto bundling discounts
Allstate Pros
- Ease of service
- Available across the U.S.
How Allstate and American Family score on customer satisfaction
American Family has an impressive customer satisfaction rate of 92%, compared to Allstate’s 84%. This indicates that American Family customers are more likely to be satisfied with their insurance experience than those of Allstate.
| Insurance Company | Percent of customers that are satisfied |
|---|---|
| Allstate | 84% |
| American Family | 92% |
Do Allstate and American Family customers plan to renew?
Allstate customers have a higher rate of renewal than other insurance companies. With the highest renewal rate among similar companies, an impressive 90%, Allstate is an excellent choice for those seeking reliable coverage. In comparison, American Family has a renewal rate of 86%, making it less likely that policyholders will be able to keep their current plan in place.
| Insurance Company | Percent of customers who plan to renew with the company |
|---|---|
| Allstate | 90% |
| American Family | 86% |
How Allstate and American Family score on policy offerings
When it comes to policy offerings, Allstate and American Family both offer comprehensive coverage options. With 83% of the market covered by their respective policies, customers are sure to find the perfect fit for their needs with various products.
| Insurance Company | Percent of customers satisfied with the company’s policy offerings |
|---|---|
| Allstate | 83% |
| American Family | 83% |
Is Allstate or American Family cheaper?
American Family provides more affordable rates than Allstate for drivers of all ages and types. Young drivers, senior drivers and drivers with tickets can benefit from the savings provided by American Family.
Which is cheaper at various ages?
American Family offers cheaper car insurance for teens (aged 16-19), young adults (aged 20-24), the average driver of age 40 and senior drivers 65 and older.
| Age Group | Allstate | American Family |
|---|---|---|
| National Avg (40 yr) | $2,086 | $1,362 |
| Teen (16-19) | $6,910 | $4,013 |
| Young Adult (20-24) | $3,275 | $2,126 |
| Avg for seniors (65) | $1,988 | $1,307 |
Which is cheaper with a ticket?
Allstate penalizes drivers with tickets less than American Family. Allstate increases rates about 18% after a ticket while American Family raises rates around 24%, but this increase still makes American Family cheaper overall – even with a ticket.
| Company | Annual premium (clean record) | Rate after ticket | $ Increase | % Increase |
|---|---|---|---|---|
| Allstate | $2,510 | $2,957 | $447 | 17.79% |
| American Family | $1,724 | $2,143 | $419 | 24.28% |
Allstate vs. American Family car insurance discounts
When choosing between Allstate and American Family for car insurance, discounts are an important factor to consider. Both companies offer competitive discounts that can help reduce your monthly premiums. On average, Allstate offers an 8% discount while American Family offers 9%. While this may seem like a small difference, it could result in significant savings over the long run.
| Insurance Company | Percent Difference |
|---|---|
| American Family | 9.00% |
| Allstate | 8.20% |
Allstate vs. American Family available discounts
| Discount | Allstate | American Family |
|---|---|---|
| Air Bags | Yes | Yes |
| Anti-Theft Device | Yes | Yes |
| Daily Commute | Yes | Yes |
| Days Advanced Purchase | Yes | Yes |
| Days Per Week Driven | Yes | Yes |
| Education | Yes | – |
| Electronic Funds Transfer | Yes | Yes |
| Electronic Signature | – | – |
| Homeowner | Yes | Yes |
| Lower Annual Mileage | Yes | Yes |
| Loyalty – Years Renewal With Company | Yes | Yes |
| Marital Status | Yes | Yes |
| Multi-Policy | Yes | Yes |
| Paperless/Electronic Documents | Yes | Yes |
| Payment Type | Yes | Yes |
| Primary Use | Yes | Yes |
| Profession | – | – |
| Purchase Status | – | – |
| Safety Devices | Yes | Yes |
| Telematics | Yes | – |
| Vehicle Ownership | – | – |
Allstate vs. American Family: AM Best credit rating
American Family is a leading insurance provider in the United States. It has been providing quality coverage and customer service for over 95 years. The company maintains an “A” AM Best financial strength rating, demonstrating its commitment to providing secure and reliable coverage to policyholders. Allstate, another major insurer, also has an excellent “A+” AM Best financial strength rating.
Allstate vs. American Family: J.D. Power auto claims satisfaction score
Although both Allstate and American Family have scored above the industry average for auto claims in J.D. Power’s study, Allstate comes out on top with a score of 889 compared to American Family’s 874. This indicates that Allstate has better customer satisfaction when it comes to filing claims on their auto insurance policies than American Family.
FAQ: Allstate vs. American Family
Can I buy American Family car insurance online?
Yes. Get a quote for car insurance from American Family online.
Can I buy Allstate car insurance online?
Yes. Get a quote for Allstate car insurance online.
Who should get Allstate car insurance?
American Family’s quality of service does not end with customer satisfaction ratings. In addition to providing superior coverage for its customers, American Family also offers a wide array of discounts and incentives designed to maximize savings so that customers can get the most out of their insurance experience. With additional features such as home security systems and identity theft protection, American Family looks out for its customers in more ways than one.
Who should get American Family car insurance?
American Family’s quality of service does not end with customer satisfaction ratings. In addition to providing superior coverage for its customers, American Family also offers a wide array of discounts and incentives designed to maximize savings so that customers can get the most out of their insurance experience. With additional features such as home security systems and identity theft protection, American Family looks out for its customers in more ways than one.
What other types of insurance does Allstate offer?
Allstate’s additional policies include:
- Homeowners
- Renters
- Condo
- Term life
- Business
What other types of insurance does American Family offer?
American Family’s additional policies include:
- Business
- Farm and ranch
- Home
- Renters
- Condo
- Manufactured home
- Personal property
- Pet
- Life
- Health
- Umbrella
- Travel
Resources & Methodology
Sources
J.D. Power. “Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds.” Accessed January 2024.
Methodology
Insure.com, which is CarInsurance.com’s sister site, surveyed more than 1,500 insurance consumers (1,080 people with auto insurance). Online market research company Slice MR conducted the survey.
Respondents were asked to name their auto insurer and grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
Respondents ranked their insurer’s top three attributes out of more than a dozen presented – including claims satisfaction, digital experience, discounts, military discounts, best for young drivers and teens, best for college students, best for senior drivers, best for drivers with a ticket, best for high-risk drivers and best for auto/home bundling.
For a number one choice, five points were given; for a second choice, three points; and for a third choice, a single point. The total points for each choice – first, second and third – were then divided by the number of each company’s customers who responded to that survey question to create a percentage. Those percentages are presented in the results as survey scores.
Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.
Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with it. The percentage of those who said they agreed or strongly agreed is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives, and A.M. Best data, which measures financial strength.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector.
For auto insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- Annual premium: 20% of total score
- AM Best: 25% of total score
- NAIC: 15% of total score
- Each insurer was awarded from 1 to 5 stars. No insurer in our star ranking received less than 1 star and 5 stars was the most any insurer could receive.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.