American Family Insurance vs. Farmers Car Insurance: Expert Recommended (2023)
When it comes to American Family vs. Farmers, there are several criteria to analyze. American Family does a bit better in pricing, but Farmers does better in company ratings. Both are reputable companies, but always compare car insurance rates to find which car insurance company is right for your particular situation.
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Leslie Kasperowicz
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
UPDATED: May 9, 2023
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 9, 2023
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 are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can find insurance discounts from both American Family and Farmers.
- American Family offers cheaper prices than almost half of the states’ averages.
- Farmers is only cheaper than nine of the state averages.
If you’re reading this, you are most likely trying to decide between American Family and Farmers Insurance as your next car/home/life insurer. Should that be the case, you’re in the right place. American Family vs. Farmers: Which is the best for you?
If you would like to learn more about Farmers, feel free to read through our Farmers Insurance Review.
Before we begin, feel free to type your ZIP code into our free and helpful tool above to find affordable car insurance rates from insurers in your area. You may just be able to find rates from Farmers and American Family as well.
What can Farmers insurance do for you?
One of the best ways to see if an insurer is right for you is to analyze their pricing structure. Let’s take a look at Farmers’ rates in comparison to state averages.
| State | Farmers Average Monthly Car Insurance Rates | Higher/Lower Than State's Average Monthly Rates ($) | Higher/Lower Than State's Average Monthly Rates (%) |
|---|---|---|---|
| Alabama | $348.82 | $51.57 | 1.23% |
| Arkansas | $354.82 | $11.07 | 0.26% |
| Arizona | $416.67 | $102.43 | 2.05% |
| California | $416.57 | $109.15 | 2.18% |
| Colorado | $440.85 | $117.82 | 2.23% |
| Hawaii | $396.99 | $184.02 | 3.86% |
| Iowa | $202.98 | -$45.46 | -1.87% |
| Idaho | $264.02 | $15.77 | 0.50% |
| Illinois | $383.77 | $108.31 | 2.35% |
| Indiana | $286.46 | $1.88 | 0.06% |
| Kansas | $308.65 | $35.35 | 0.95% |
| Maine | $230.85 | -$15.26 | -0.55% |
| Michigan | $708.63 | -$166.25 | -1.96% |
| Minnesota | $261.45 | -$105.48 | -3.36% |
| Missouri | $359.35 | $81.94 | 1.90% |
| Montana | $325.63 | $57.23 | 1.46% |
| North Dakota | $257.71 | -$89.45 | -2.89% |
| Nebraska | $333.11 | $59.47 | 1.49% |
| New Jersey | $634.75 | $175.15 | 2.30% |
| New Mexico | $359.63 | $70.99 | 1.65% |
| Nevada | $466.30 | $61.16 | 1.09% |
| Ohio | $285.25 | $59.44 | 1.74% |
| Oklahoma | $345.20 | $0.01 | 0.00% |
| Oregon | $312.79 | $23.81 | 0.63% |
| South Carolina | $390.99 | $75.89 | 1.62% |
| South Dakota | $314.07 | -$17.79 | -0.47% |
| Tennessee | $285.84 | -$19.24 | -0.56% |
| Utah | $325.67 | $24.68 | 0.63% |
| Washington | $246.83 | -$8.11 | -0.27% |
| Wisconsin | $314.79 | $14.29 | 0.38% |
| Wyoming | $255.78 | -$10.89 | -0.36% |
As you can see, out of the 32 shown states, Farmers auto insurance is cheaper in only nine.
It’s logical that the more you’re on the road (i.e. longer commutes) the higher your premium will be. Let’s take a look at Farmers’ prices for different commute levels.
| Commute Length | Farmers Average Monthly Rates |
|---|---|
| 10-mile, 500 miles monthly | $348.27 |
| 25-mile, 1,000 miles monthly | $350.76 |
As you can see, surprising as it is, their pricing structure for varying commutes is negligible. In fact, the difference is just under $30 a month.
Farmers’ primary discount is through an app called Signal. This tracks driving behavior and allots a corresponding discount for safe driving behavior.
This program offers a variety of discounts. On top of your monthly discount, you also get a five percent discount just for having the app installed.
Let’s move on by comparing American Family with what we’ve read about Farmers Insurance.
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What can American Family insurance do for you?
Let’s start here the same way we started with Farmers, by looking at the price. Take a look at the following table to see American Family’s rates in comparison to state averages. You can also take a look at our American Family Insurance Review to learn even more about this company.
| State | American Family Average Monthly Rates | State Average Monthly Rates | Higher/Lower ($) Than State Average Monthly Rates | Higher/Lower (%) Than State Average Monthly Rates |
|---|---|---|---|---|
| Alaska | $346.09 | $285.13 | $60.96 | 1.47% |
| Colorado | $311.09 | $323.03 | -$11.95 | -0.32% |
| Iowa | $251.82 | $248.44 | $3.38 | 0.11% |
| Idaho | $310.73 | $248.26 | $62.48 | 1.68% |
| Illinois | $317.94 | $275.46 | $42.49 | 1.11% |
| Indiana | $306.64 | $284.58 | $22.06 | 0.60% |
| Kansas | $178.87 | $273.30 | -$94.44 | -4.40% |
| Minnesota | $293.44 | $366.94 | -$73.50 | -2.09% |
| Missouri | $273.91 | $277.41 | -$3.50 | -0.11% |
| North Dakota | $317.70 | $347.15 | -$29.45 | -0.77% |
| Nebraska | $184.59 | $273.64 | -$89.05 | -4.02% |
| Nevada | $453.43 | $405.14 | $48.29 | 0.89% |
| Ohio | $126.26 | $225.81 | -$99.55 | -6.57% |
| Oregon | $293.94 | $288.98 | $4.96 | 0.14% |
| South Dakota | $337.29 | $331.86 | $5.43 | 0.13% |
| Texas | $404.06 | $336.94 | $67.12 | 1.38% |
| Utah | $308.23 | $300.99 | $7.24 | 0.20% |
| Washington | $309.42 | $254.94 | $54.48 | 1.47% |
| Wisconsin | $126.11 | $300.51 | -$174.40 | -11.53% |
Compared to Farmers, American Family is cheaper than quite a few more state averages. In some states, the differential is far more substantial. For instance, American Family is 138% cheaper than the state average in Wisconsin.
Just as we analyzed Farmers’ Signal program, let’s look at American Family’s Dreams Restored program.
This finds the cheapest auto body shops in your area, should you find yourself in a position where your vehicle requires repairs.
How do Farmers and American Family ratings compare?
Let’s look at one final element to compare these companies: their ratings. This table shows the ratings from A.M. Best and the BBB, amongst others.
| Ratings Agency | Farmers Ratings |
|---|---|
| A.M. Best | A |
| Better Business Bureau | A+ |
| Moody's | A2 |
| S&P | A |
| NAIC Complaint Index | 0.79 |
| JD Power | Claims Satisfaction 4/5 Shopping Study 3/5 |
| Consumer Reports | 89 |
An A from A.M. Best and A+ from the Better Business Bureau are pretty terrific. Now, let’s see how American Family measures up.
| Ratings Agency | American Family Ratings |
|---|---|
| A.M. Best | A |
| Better Business Bureau | A |
| Moody's | N/A |
| S&P | N/A |
| NAIC Complaint Index | 0.69 |
| JD Power | Claims Satisfaction 3/5 Shopping Study 4/5 |
| Consumer Reports | 89 |
As you can see, their ratings are fairly comparable, though Farmers scored a bit better with the BBB.
In closing, these are all factors to analyze. Even still, don’t consider yourself relegated to these two companies. Comparison shop thoroughly. Make the insurers sell you on why they should be your choice. Furthermore, be sure to take advantage of any and every discount that suits your needs.
Are you ready to buy car insurance? Get a start on finding your next insurer by typing your ZIP code into our free and helpful tool below to get car insurance quotes in your area. Which car insurance company is best for you? Find out now.
Frequently Asked Questions
What is American Family Insurance?
American Family Insurance is a mutual insurance company that provides a range of insurance products, including car insurance, home insurance, life insurance, and business insurance.
What is Farmers Car Insurance?
Farmers Car Insurance is a subsidiary of the Farmers Insurance Group, which provides auto insurance, home insurance, business insurance, and other types of insurance products.
How do American Family Insurance and Farmers Car Insurance compare?
Both American Family Insurance and Farmers Car Insurance are reputable insurance companies that offer a range of insurance products. However, the best choice for an individual will depend on their specific insurance needs and preferences.
Which insurance company is better: American Family Insurance or Farmers Car Insurance?
Some people may prefer American Family Insurance for its personalized service and strong customer support, while others may prefer Farmers Car Insurance for its wide range of coverage options and competitive pricing. Ultimately, the best choice will depend on an individual’s specific insurance needs and preferences.
What factors should I consider when choosing between American Family Insurance and Farmers Car Insurance?
Some factors to consider when choosing between American Family Insurance and Farmers Car Insurance include:
- The types of coverage available
- The cost of insurance premiums
- The quality of customer service
- The level of financial stability
- Additional benefits or discounts offered by each company.
Can I get a quote from both American Family Insurance and Farmers Car Insurance?
Yes, you can obtain quotes from both American Family Insurance and Farmers Car Insurance by visiting their websites or contacting a representative from each company.
How do I choose the best insurance company for me?
To choose the best insurance company for you, consider your specific insurance needs, research and compare insurance providers, read customer reviews, and ask for recommendations from friends or family members who have experience with these companies. It’s also important to review and understand the terms and conditions of each policy before making a final decision.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.