Allstate vs. American Family: Best Auto Insurance for 2026
We're going to compare Allstate vs. American Family auto insurance. Both companies offer a wide array of discounts, but Allstate offers a few more. American Family offers slightly more competitive pricing than Allstate, but they are two of the more expensive main insurers. Allstate is slightly better reviewed by the Better Business Bureau and has a better A.M. Best ranking.
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Table of Contents
Table of Contents


Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Michael Leotta


Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Tim Bain
Updated January 2025
- American Family tends to offer more competitive pricing than Allstate
- Both companies offer a wide array of discounts, with Allstate having a slight edge
- Allstate insurance has a slightly higher rating from the Better Business Bureau
If you’re here with us today, you’re probably interested in finding your next, or perhaps first, insurer. It’s a complicated process, so we’re going to focus on just Allstate vs. American Family.
You can also read our American Family review to gain specific information about American Family’s rates, discounts, American Family care insurance, and more.
Before we dive into an Allstate vs. American Family review, type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area.
Allstate vs. American Family: Which is cheaper?
When comparing insurers, it’s essential to begin by focusing on what’s most important to you: pricing. Here’s a table that provides the average annual auto insurance rates, not only for Allstate and American Family but also for other leading providers. This will help you get a clearer picture of Allstate car insurance quotes, alongside insights into Allstate’s A.M. Best rating.
Imported from Manual Input
| Insurance Company | Average Annual Rates |
|---|---|
| $2,539.87 | |
| $3,213.97 | |
| $3,269.80 | |
| $3,544.37 | |
![]() | $3,449.80 |
| $4,018.46 | |
| $4,166.22 | |
| $4,462.02 | |
| $4,896.81 | |
![]() | $6,058.57 |
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As you can see, American Family is about $800 cheaper than Allstate. Of the 10 insurers shown, American Family is cheaper than five of the companies. Allstate is cheaper than only one: Liberty Mutual.
So, we can say that American Family insurance wins in terms of pricing. Let’s see which auto insurance company offers the better discounts.
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Allstate vs. American Family: Which has better discounts?
We cannot stress this enough: when you are about to start up an insurance policy, ask about discounts. If you stack up discounts you’ll see your premiums wither away. Let’s now take a look at a table that shows a lot of discounts available from these big insurers.
Auto Insurance Discounts Available by Company
| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
As you can see, of the 67 discounts shown, American Family offers 27. Allstate offers 29. These discounts range from having anti-lock brakes in your car to being a defensive driver to paying on time. What’s great is a lot of these are as simple as typing in your Allstate insurance login on the app.
To sum up, while both companies provide several discounts, Allstate offers a wider variety, including options like Allstate auto club discounts, Allstate defensive driving course discounts, and Allstate employee discounts.
Keep in mind that there are numerous Allstate discounts for seniors and military members available. Be sure to inform your agent about your current life situation to see what Allstate insurance discounts you might qualify for, as Allstate continues to maintain a strong ranking in the insurance industry. If you’d like to learn more about Allstate, read our Allstate review for specifics.
Allstate vs. American Family: Which is better rated?
When comparing insurers, make sure to look at the ratings given to the company by A.M. Best and the Better Business Bureau.
A.M. Best’s rating scale spans from A++ to D. Currently, American Family holds an A rating from A.M. Best, while Allstate insurance boasts a higher A+ (Superior) rating.america
Allstate is currently not accredited by the Better Business Bureau, but it has a rating of A+. American Family is also not accredited and holds a rating of A, slightly below Allstate.
Now that you’ve finished learning about Allstate vs. American Family, it’s time to buy auto insurance. Get a start on finding affordable auto insurance rates in your area simply by typing your ZIP code into our free and helpful tool below. It’s easier than calling up the Allstate claims department.
Frequently Asked Questions
Does Allstate offer a military discount?
Yes, Allstate offers a military discount for active duty and retired military members. The discount varies by state, so it’s best to check with an Allstate agent for specific details.
How much is car insurance with Allstate?
The cost of car insurance with Allstate varies based on factors like your location, driving history, vehicle type, and coverage level. On average, Allstate’s rates can be higher compared to some other insurers. For an accurate quote, you should request a personalized quote from Allstate.
Is Allstate better than Progressive?
Whether Allstate is better than Progressive depends on your individual needs. Allstate may offer more discounts and higher customer service ratings, while Progressive might provide lower rates and unique features like Snapshot, a usage-based insurance program. Comparing specific coverage options and rates is the best way to determine which is better for you.
Is Allstate better than State Farm?
Allstate and State Farm each have their strengths. Allstate is known for its range of discounts and high customer service ratings, while State Farm is often recognized for its competitive pricing and extensive agent network. Your choice will depend on your preferences for coverage, discounts, and customer service.
Is Allstate cheaper than Progressive?
Allstate is generally not cheaper than Progressive. Progressive often offers lower rates, particularly through its usage-based programs like Snapshot. However, rates vary widely based on personal factors, so it’s important to get quotes from both insurers to find the best deal for you.
Is Allstate cheaper than State Farm?
The cost of Allstate compared to State Farm varies by individual factors such as location, driving record, and coverage needs. Typically, State Farm might offer lower rates than Allstate, but this can differ based on your specific circumstances. Comparing quotes from both companies will provide the most accurate picture.
Is American Family homeowners insurance legit?
Yes, American Family homeowners insurance is legitimate and offers a range of coverage options. It is a reputable insurer with a solid financial standing and customer service record. For specific details about coverage and claims, checking customer reviews and ratings can be helpful.
Is American Family insurance expensive?
American Family insurance rates can be higher compared to some other insurers. The cost will depend on factors such as your location, coverage needs, and personal profile. To get an accurate assessment, it’s best to obtain a quote directly from American Family.
Is Esurance cheaper than Allstate?
Esurance, a subsidiary of Allstate, often provides lower rates than Allstate due to its online-only model, which can reduce overhead costs. However, the exact cost difference depends on your specific situation, so it’s beneficial to compare quotes from both Esurance and Allstate.
Is State Farm better than Allstate?
State Farm and Allstate both have strong reputations, but which is better can depend on what you’re looking for. State Farm is known for its extensive agent network and competitive rates, while Allstate offers a broad range of discounts and high customer service ratings. Comparing coverage options and rates will help determine which is better for you.
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