Compare American Family vs. Farmers Auto Insurance in 2021

When looking at American Family vs. Farmers auto insurance, you’ll notice that the average American Family Insurance quote is lower than Farmers. However, Farmers has more coverage and discount options than American Family. Additionally, American Family and Farmers offer roadside assistance and mobile apps. Comparing American Family vs. Farmers auto insurance companies will help you find the best option.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 30, 2021

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A Concise Overview

  • American Family has lower rates than Farmers
  • Farmers has more coverage options than American Family
  • Farmers has more discount opportunities than American Family

American Family and Farmers offer auto insurance coverages to customers of all ages.

While American Family has lower rates, Farmers provides more coverage options and discount opportunities. Comparing American Family vs. Farmers auto insurance companies will help you determine the best company for you.

Before starting this American Family vs. Farmers comparison, enter your ZIP code to find free auto insurance quotes in your area.

American Family vs. Farmers: What are their annual rates?

Comparing affordable American Family vs. Farmers auto insurance rates will help you find a low-cost option. The following chart shows the average Farmers and American Family Insurance quote based on age.

American Family vs. Farmers: Average Annual Rates by Age
AgeAmerican Family Average Annual RatesFarmers Average Annual Rates
20$1,685$2,020
30$1,685$1,543
40$1,089$1,511
50$1,089$1,507
60$986$1,402
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As you can see, American Family offers lower rates than Farmers, and rates decrease as drivers age.

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American Family vs. Farmers: What coverages are available?

American Family and Farmers offer a variety of coverages for customers. Combining these coverages allows customers to create the policy that best fits their needs. American Family and Farmers coverages include:

  • Bodily injury liability
  • Property damage liability
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Collision
  • Comprehensive
  • Rental reimbursement

In addition to these basic coverages, American Family provides GAP insurance. Farmers offers glass deductible buyback, windshield and glass, and new car replacement coverage.

American Family vs. Farmers: What discounts are available?

Auto insurance companies offer various discounts that help customers lower their monthly rates. Comparing American Family vs. Farmers auto insurance company discounts will help you determine which company provides the most savings.

Discounts offered by American Family include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Airbags
  • Good driver
  • Student away at school
  • Advanced purchase

Discounts offered by Farmers include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Anti-theft device
  • Anti-lock brakes
  • Airbags
  • Good driver
  • Student away at school
  • Green vehicle
  • Homeowner

Insurance bundles are another way to save on your policy. You can bundle your auto insurance with other types of insurance, such as home or life.

American Family vs. Farmers: What are their financial ratings?

Credit rating agencies review and rate insurance companies based on their financial strength. These ratings inform customers of the likelihood that they’ll receive a payout when they file a claim. American Family and Farmers have been reviewed and rated.

American Family has been rated an A by A.M. Best, an A1 by Moody’s, and an A by S&P. These are excellent ratings and determine that you’ll receive a payout when you file American Family Insurance claims.

Farmers has been rated a B+ by A.M. Best, an A2 by Moody’s, and an A by S&P. These are solid ratings and determine that you’ll likely receive a payout when you file Farmers Insurance claims.

While the companies have been rated the same by S&P, American Family has been rated better by A.M. Best and Moody’s. These ratings determine that American Family has greater financial strength than Farmers and is more likely to provide a payout.

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American Family vs. Farmers: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made by auto insurance customers. The organizations have reviewed complaints made about American Family and Farmers.

At the time of this comparison, the BBB has received 162 complaints about American Family over the past three years. The NAIC lists the company’s complaint index ratio at 1.35, indicating more complaints than the average company of a similar size.

The BBB has received 635 complaints about Farmers Insurance over the past three years. According to the NAIC, the company’s complaint index ratio is 1.42, indicating more complaints than a similarly sized competitor.

While American Family has received significantly fewer complaints than Farmers, the complaint index ratios show that American Family has slightly higher customer satisfaction ratings than Farmers.

American Family vs. Farmers: Do they provide roadside assistance?

American Family and Farmers provide roadside assistance as an add-on that you can add to an existing policy. Customers that add roadside assistance can receive the following services:

  • Towing
  • Gas delivery
  • Tire change
  • Battery service

If you need roadside assistance, such as American Family or Farmers Insurance towing, you can request service online, through the mobile app, or by phone. You can reach Farmers at 1-800-435-7764. The American Family Insurance telephone number is 1-800-692-6326.

Since roadside assistance is an add-on service, including it will increase your American Family or Farmers auto insurance quotes.

American Family vs. Farmers: Do they have mobile apps?

American Family and Farmers have mobile apps that are accessible on any mobile device. These apps allow customers to access digital ID cards, view policy information, make payments, and request roadside assistance.

If you’re asking how to obtain American Family or Farmers Insurance near me, you can use the mobile app to contact a local agent.

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American Family vs. Farmers: What are their pros and cons?

Comparing the pros and cons of auto insurance companies will help you determine which company is best and worst. The following are the pros and cons of American Family and Farmers.

American Family has lower rates than Farmers, making it best for those looking for the most affordable coverage. However, the company only provides auto insurance in 19 states.

Farmers offers more discounts than American Family and is available in all 48 contiguous states. However, Farmers has worse financial strength than American Family, potentially impacting its ability to provide a payout.

American Family vs. Farmers: The Bottom Line

Those looking to buy American Family or Farmers auto insurance should consider all aspects of the companies.

American Family has lower rates, but Farmers has more coverage options and discount opportunities. Comparing American Family vs. Farmers will help you find the best choice.

Now that you’ve compared American Family vs. Farmers, enter your ZIP code to get free auto insurance rates in your area.

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