American Family vs. State Farm: Which Insurance Company Is Better in 2026?
State Farm has lower average rates, wider availability, and a higher financial strength rating compared to American Family Insurance.
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Table of contents
American Family and State Farm are both well-known insurance companies, but State Farm has a significantly larger presence in the U.S. insurance industry.
State Farm Insurance offers coverage in all 50 states and has the highest U.S. market share of American auto insurance companies, according to the National Association of Insurance Commissioners (NAIC).[1] American Family Insurance, on the other hand, has the 10th-highest auto insurance market share in the U.S. and offers coverage in only 19 states.
When comparing these two companies, it’s important to examine each insurer’s car insurance rates, coverage options, discounts, and customer satisfaction.
Here’s what you need to know to determine whether American Family or State Farm is the right insurance company for you.
Quick Facts
State Farm has a highly rated mobile app for both iOS and Android.
American Family offers more discounts than State Farm.
State Farm and American Family both offer safe driving telematics programs.
American Family vs. State Farm: Our verdict
State Farm is generally a better overall choice than American Family in a few ways. The insurer is available nationwide and has an AM Best financial strength rating of A+ (Superior). For comparison, American Family is available in only 19 states and has a slightly lower AM Best rating of A (Excellent).
State Farm has a higher auto claims satisfaction score from J.D. Power than American Family, though both insurers received above-average rankings. Both companies also earned similarly average overall customer satisfaction rankings in the J.D. Power 2025 U.S. Auto Insurance Study.[2] [3]
Though State Farm has lower average insurance rates, American Family is the better insurance company for discount availability, offering nearly twice the number of discounts as State Farm. American Family also has a much higher customer review average of 4.3 out of 5, compared to State Farm’s 1.5 out of 5 stars. If you live in a state American Family serves, you may want to consider it for its menu of discounts and more positive customer reviews.
Before making your decision, you should compare personalized quotes, coverage options, customer satisfaction ratings, and more from State Farm and American Family.
American Family vs. State Farm
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $117/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $81/mo* |
Overall rating 4.5 | Overall rating 4.0 |
Value for money 4.3/5 | Value for money 3.6/5 |
Customer service 4.9/5 | Customer service 4.2/5 |
Claims handling 4.7/5 | Claims handling 4.1/5 |
Special highlight Outstanding customer serviceAI-generated from 258 user reviews | Special highlight Customer serviceAI-generated from 6965 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
American Family: Best for discounts
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $152/mo |
4.5
Best choiceBased on 557 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (258)
Ginger
Verified Review
Overcharged for Good Driver
Reviewed in South Carolina on February 4, 2026
The rates are ridiculously high. I have 2 speeding tickets (in speed traps over 2 years) and NO accidents EVER. I drive under 5000 miles a year and have a safe driving certificate, with over 60 years of driving experience. There's no need for a 6-month policy costing $822. Outrageous!
Mari
Verified Review
Rates are not the highest nor the lowest
Reviewed in Indiana on February 4, 2026
The fees are higher than others like Progressive Insurance.
Harvey
Verified Review
It's okay, but they have aggressively raised their premium rates in the last couple of years, and that displeases me.
Reviewed in California on February 1, 2026
It's okay, but they have aggressively raised their premium rates in the last couple of years, and that displeases me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family currently offers car insurance in 19 states. Drivers can save big with several discounts. For example, you can bundle an American Family car insurance policy with homeowners insurance to save up to 40%.
If you’re a safe driver, you can also save money with American Family’s usage-based habit-tracking program, which gives you an automatic 15% discount just for enrolling and can save you up to 35% based on your driving behaviors. If you drive fewer than 8,000 miles per year, you can save up to 25% with the company’s low-mileage usage-based insurance program.
Pros
Above-average J.D. Power customer satisfaction ratings in the Central and North Central regions
Offers 18 discounts
Below-average number of complaints with the NAIC
Cons
Available in only 19 states
Higher average premiums than State Farm
Lower J.D. Power customer satisfaction ratings than State Farm
State Farm: Best for people with a less-than-perfect driving record
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
4.0
Best choiceBased on 14,570 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,965)
Lydia
Verified Review
Horrible experience with State Farm
Reviewed in Florida on February 5, 2026
I have had State Farm since I was 16, and it was good. However, in the past year, they have increased my insurance rates significantly for no reason. I have had no accidents, no tickets, and I barely drive more than 5 miles a day. My rate went from $114.00 to $198.00 in 2 months for no reason.
Dan
Verified Review
State Farm Disappointment
Reviewed in South Carolina on February 5, 2026
If you file a claim, your rates will go up, regardless of how good your past record is.
Richard
Verified Review
Excellent
Reviewed in Missouri on February 5, 2026
Very good but like all insurance, expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm typically offers lower insurance rates than American Family, even for drivers with a spotty record. Though State Farm has fewer available discounts than American Family, you can still potentially save with one or more of its 12 discounts.State Farm generally ranks better overall, with an AM Best financial strength rating of A+ (Superior) and an above-average auto claims satisfaction rating from J.D. Power. As it offers coverage nationwide, State Farm may be the right insurance company for you.
Pros
Low average premiums compared to American Family
Available in all 50 states
Highly ranked for claims satisfaction by J.D. Power
Cons
Fewer discounts than American Family
Negative customer reviews on Trustpilot
Gap coverage not available
State Farm vs. American Family: Which is cheaper?
How much you pay for car insurance will depend on your coverage level, driving record, age, credit history, and more.[4] That’s why it’s a good idea to request personalized quotes from each insurance company you’re considering.
In the table below, you’ll find average insurance quotes for several different driver types from American Family and State Farm. The average monthly quotes below reflect costs for full-coverage policies unless otherwise specified.
Driver Type  | American Family | State Farm |
|---|---|---|
| Adult drivers | $145 | $98 |
| Liability-only coverage | $82 | $55 |
| Full coverage | $152 | $107 |
| Drivers with a speeding ticket | $203 | $137 |
| Drivers with a DUI | $225 | $158 |
| Drivers with an at-fault accident | $205 | $140 |
| Poor credit drivers | $174 | $174 |
| Good credit drivers | $128 | $85 |
| Teen drivers | $299 | $220 |
| Senior drivers | $112 | $76 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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American Family vs. State Farm car insurance discounts
American Family offers more discounts than State Farm, according to the discounts advertised on each insurer’s website. Both insurers offer savings for bundling your home insurance, renters insurance, or another insurance product with your auto insurance, as well as a multi-policy auto discount when you insure more than one vehicle.
But American Family provides a few more opportunities to save, including pay in full, auto-pay, and young volunteer discounts. State Farm offers an anti-theft discount that American Family doesn’t.
Below, you can compare discount offerings from American Family and State Farm.
Discount | American Family | State Farm |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✔ | ✔ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✖ | ✔ |
| New car | ✖ | ✖ |
| Military | ✖ | ✖ |
| Good student | ✔ | ✔ |
| Loyalty | ✔ | ✔ |
| Auto pay | ✔ | ✖ |
| Student away at school | ✔ | ✔ |
| Young volunteer | ✔ | ✖ |
| Homeowner | ✖ | ✖ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✔ | ✖ |
Compare customer satisfaction and financial strength
Customer satisfaction is an essential factor to consider when comparing auto insurance. State Farm has a higher level of claims satisfaction compared to American Family, according to the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, though both scored above the study average. State Farm also has a higher overall customer satisfaction rating from J.D. Power.
That said, on review sites like Trustpilot, insurance customers praise American Family for agent accessibility, while many of State Farm’s customers report feeling unsupported during the claims process. Both insurers have a lower-than-average number of complaints filed with the NAIC, but they have poor customer ratings on the Better Business Bureau website. Of the two, State Farm has the higher financial strength rating from AM Best.
Compare customer satisfaction and financial strength ratings from the two insurers in the table below.
Score | American Family | State Farm |
|---|---|---|
| IQ Score | 9.3 | 9.3 |
| Customer reviews | 4.5/5 (552 reviews) | 4.5/5 (552 reviews) |
| J.D. Power claims satisfaction | 702 | 716 |
| J.D. Power customer satisfaction | 644 | 650 |
| AM Best rating | A (Excellent) | A+ (Superior) |
| NAIC complaint index | 0.26 (below average) | 0.85 (below average) |
| BBB customer reviews | 1.13 out of 5 stars | 1.23 out of 5 stars |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Recent customer reviews of American Family car insurance
To help you with your insurance company comparison, Insurify has asked real customers to rate their insurance companies on details like the claims process, contacting insurance agents, and setting deductibles.
Here are some real, verified insurance reviews from American Family that can give you an insider’s perspective on policy features, policy details, and claims handling, all before you purchase a policy.
Ginger
Verified Review
Overcharged for Good Driver
Reviewed in South Carolina on February 4, 2026
The rates are ridiculously high. I have 2 speeding tickets (in speed traps over 2 years) and NO accidents EVER. I drive under 5000 miles a year and have a safe driving certificate, with over 60 years of driving experience. There's no need for a 6-month policy costing $822. Outrageous!
Mari
Verified Review
Rates are not the highest nor the lowest
Reviewed in Indiana on February 4, 2026
The fees are higher than others like Progressive Insurance.
Harvey
Verified Review
It's okay, but they have aggressively raised their premium rates in the last couple of years, and that displeases me.
Reviewed in California on February 1, 2026
It's okay, but they have aggressively raised their premium rates in the last couple of years, and that displeases me.
William
Verified Review
Tired of Getting Robbed
Reviewed in Washington on January 20, 2026
My problem is I am 68 years old, never been in an accident, and my last ticket was in September 2019, with the one before that in 1976. I am retired, and between my three autos, I drive maybe 25 miles a week, yet I am being charged over $300.00 a month. I may go 2 to 3 days a week without driving anywhere. I live alone and am the sole driver of my vehicles, and I am on a fixed income. I am tired of being overcharged every month.
…
Recent customer reviews of State Farm car insurance
To get more information about State Farm insurance coverage from policyholders, check out the real, verified State Farm insurance reviews below. Insurify asks real insurance customers to give their honest feedback about their auto insurance experiences, so you have all the information you need for your comparison shopping.
Lydia
Verified Review
Horrible experience with State Farm
Reviewed in Florida on February 5, 2026
I have had State Farm since I was 16, and it was good. However, in the past year, they have increased my insurance rates significantly for no reason. I have had no accidents, no tickets, and I barely drive more than 5 miles a day. My rate went from $114.00 to $198.00 in 2 months for no reason.
Dan
Verified Review
State Farm Disappointment
Reviewed in South Carolina on February 5, 2026
If you file a claim, your rates will go up, regardless of how good your past record is.
Richard
Verified Review
Excellent
Reviewed in Missouri on February 5, 2026
Very good but like all insurance, expensive.
Jacqualyn
Verified Review
Excellent service.
Reviewed in Mississippi on February 5, 2026
Absolutely excellent customer service.
…
American Family DriveMyWay vs. State Farm Drive Safe & Save
Both companies offer telematics programs that can help with affordability. When you sign up for a telematics insurance program, you agree to let an app or device monitor your driving for a certain period to measure your driving habits.
Good to Know
If you opt in to a telematics program, your insurer will determine your premiums based on the behaviors you demonstrate behind the wheel. This differs from a pay-per-mile program, which charges you based on the number of miles you drive rather than your driving behavior.
American Family’s DriveMyWay program gives you a 15% discount for enrolling. This app-based program measures your driving over the course of at least 100 trips and assigns you a score based on your driving behavior. The better your score, the lower your insurance rates will be. You could save up to 35%, though risky driving behavior could increase your premiums.
State Farm’s Drive Safe & Save program offers drivers a 10% enrollment discount. This program requires you to download an app and install a beacon in your car, which will work together to monitor your driving behavior. You can save up to 30% on your premiums, though you may see increases or decreases upon renewal, depending on your driving.
Below, you can compare telematics program features from American Family and State Farm.
Feature | American Family DriveMyWay | State Farm Drive Safe & Save |
|---|---|---|
| Best for | Drivers who know they make safe driving decisions | Drivers who want a guaranteed and ongoing discount |
| Savings potential | Up to 35% based on driving behavior (15% enrollment discount) | Up to 30% upon policy renewal (10% enrollment discount) |
| How it works | Mobile app tracks driving habits and behavior | Mobile app that connects to a Bluetooth-enabled beacon tracks driving habits and behavior |
| Availability | 19 states | 47 states (not available in CA, MA, or RI) |
| Data tracked | Hard braking, phone use, speeding, night driving, driving context (including average speed), and amount of driving | Acceleration, braking, cornering, phone distraction, and speed |
| App rating (App Store/Google Play) | 4.5/5 3.2/5 | 4.8/5 4.6/5 |
| Average discount for good drivers | Not disclosed | Not disclosed |
| Driver feedback tools | Provides access to driving summaries, driving behaviors, trip details, safety tips, and latest safety score | Provides access to driving scorecard |
| Gamified rewards | ✖ | ✖ |
| Compatibility | Smartphone app only | Smartphone app only |
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Compare coverages: American Family vs. State Farm
Both American Family and State Farm offer standard coverages, including liability, collision, and comprehensive coverages. The insurers also offer common policy add-ons, such as roadside assistance, rental reimbursement, and rideshare coverage.
But American Family offers an important coverage for drivers with a vehicle loan or lease that State Farm doesn’t: gap insurance. If you total your vehicle while you still owe money on it, gap insurance can cover the difference between the actual cash value of the car and the amount you still owe.
Compare coverage offerings from American Family and State Farm.
Coverage | American Family | State Farm |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✖ |
| Classic car insurance | ✔ | ✔ |
| Rideshare insurance | ✔ | ✔ |
American Family vs. State Farm FAQs
If you’re still deciding between American Family and State Farm, the following information can help answer your remaining questions.
Which is cheaper: American Family or State Farm?
State Farm has lower average insurance rates across the board, but American Family offers more discounts. The best way to figure out which insurer will be cheaper for you is to request personalized quotes for a rate comparison.
On average, American Family drivers pay $82 per month for liability insurance and $152 per month for full coverage. For comparison, State Farm drivers pay a monthly average of $55 for liability coverage and $107 for full coverage.
Who is State Farm’s biggest competitor?
State Farm is the largest auto insurance company in the U.S. by market share. The second-largest insurer in the nation, and one of State Farm’s biggest competitors, is Progressive Insurance. GEICO, Allstate, and USAA are also among the largest U.S. auto insurers and competitors.
Does credit score affect car insurance rates?
Depending on your state, your credit history may affect your auto insurance rates. Some states legally allow insurance companies to consider credit-based insurance scores when determining your premiums. This is because drivers with lower credit scores are generally more likely to file insurance claims.
Is American Family Insurance cheaper through Costco?
Costco members may save money on American Family Insurance. The insurer offers an exclusive discount to Costco members who sign up for CONNECT auto and home insurance, powered by AmFam.
Which car insurance company offers the cheapest insurance?
COUNTRY Financial is the cheapest average insurance company, with a monthly liability insurance average of $44, according to Insurify data. For comparison, the national average cost of liability insurance is $99 per month.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- National Association of Insurance Commissioners. "2024 Top 25 Groups and Companies by Countrywide Premium."
- J.D. Power. "Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds."
- J.D. Power. "It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
)
Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.