Insurance Comparison

American Family vs State Farm

American Family and State Farm are both agent-based insurers. American Family is strong in the Midwest, while State Farm has nationwide coverage and the largest agent network.

American Family

4.1
AM Best RatingA
Avg. Auto Rate$1,534/yr
Market Share2.4%
States Available19
Claims Rating4.0/5

State Farm

4.2
AM Best RatingA++
Avg. Auto Rate$1,674/yr
Market Share16.2%
States Available50
Claims Rating4.1/5

Winner by Category

American Family
Category
State Farm
Winner
Price
Coverage Options
Winner
Tie
Customer Service
Tie
Tie
Claims Handling
Tie
Tie
Discounts
Tie
Tie
Overall Winner
Tie

Price Comparison

American Family is often 5-10% cheaper in their core Midwest markets. State Farm is more competitive in other regions.

Coverage Options

State Farm offers more comprehensive coverage nationwide. American Family has strong coverage in their 19-state region.

Customer Service

Both have strong agent networks. State Farm has more agents overall, while American Family has deep roots in the Midwest.

Which Company Is Right for You?

Choose American Family If You:

  • Live in American Family's region
  • Want competitive Midwest pricing
  • Prefer regional insurer focus
  • Value KnowYourDrive telematics

Choose State Farm If You:

  • Need nationwide coverage
  • Want largest agent network
  • Need comprehensive bundling
  • Moving frequently

Frequently Asked Questions

Where is American Family available?

American Family operates in 19 states, primarily in the Midwest and Mountain West regions.

Is American Family cheaper than State Farm?

In their core markets, American Family is often 5-10% cheaper. State Farm may be more competitive elsewhere.

Which has better customer service?

Both have strong agent networks with similar customer satisfaction. The experience often depends on your specific agent.

Compare American Family & State Farm Quotes

Get personalized quotes from both companies and more. Find the best rate for your specific situation.

Get Free Quotes