4.8out of 3,000+ reviews

Allstate vs American Family Car Insurance

  • Personalized quotes in 5 minutes or less
  • No signup required
4 Insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Allstate
85
What is this?

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

Allstate VS American Family
85
89
What is this?
User Ratings
OptionsAllstate American Family
Rating/Reviews
1,114 reviews
138 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAllstate American Family
Call Center RepresentativeAbout average--
Insurer WebsiteThe rest--
Local AgentAbout averageBetter than most
Overall SatisfactionThe restBetter than most
Policy OfferingsThe restBetter than most
PricingThe restBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAllstate American Family
Claim ServicingAbout averageAbout average
Estimation ProcessBetter than mostAbout average
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessBetter than mostAbout average
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAllstate American Family
California820 pt
About average
--
Central822 pt
About average
823 pt
About average
Florida837 pt
Better than most
--
Mid-Atlantic837 pt
About average
--
New England834 pt
Better than most
--
New York824 pt
About average
--
North Central823 pt
About average
820 pt
About average
Northwest798 pt
The rest
826 pt
Better than most
Southeast830 pt
About average
--
Southwest815 pt
About average
819 pt
About average
Texas835 pt
Better than most
--
Mobile App Ratings
RegionAllstate American Family
Android
12,515 Reviews
1,081 Reviews
iOS
56,800 Reviews
6,200 Reviews
Financial Ratings
OptionsAllstate American Family
A.M. BestA+A
FitchA+A+
Moody'sAa3Aa3
Standard & Poor'sAA-A+

Auto Insurance Quotes

For Married Drivers

CityAllstate American Family
Austin$37--
Chicago$111$76
Philadelphia$133--
Phoenix$105$82
Santa Monica$116--

For Single Drivers

CityAllstate American Family
Austin$42--
Chicago$128$76
Philadelphia$136--
Phoenix$129$82
Santa Monica$255--

For Male Drivers

CityAllstate American Family
Austin$39--
Chicago$124$76
Philadelphia$129--
Phoenix$129$82
Santa Monica$252--

For Female Drivers

CityAllstate American Family
Austin$39--
Chicago$116$76
Philadelphia$139--
Phoenix$105$82
Santa Monica$120--

For Drivers with Speeding Ticket

CityAllstate American Family
Austin$44--
Chicago$175$102
Philadelphia$144--
Phoenix$163$121
Santa Monica$341--

For Drivers with No Speeding Ticket

CityAllstate American Family
Austin$38--
Chicago$108$70
Philadelphia$133--
Phoenix$107$74
Santa Monica$153--

For Drivers Age Between 18-40

CityAllstate American Family
Austin$41--
Chicago$130$76
Philadelphia$130--
Phoenix$134$81
Santa Monica$290--

For Drivers Age Between 40-65

CityAllstate American Family
Austin$37--
Chicago$102$72
Philadelphia$121--
Phoenix$94$77
Santa Monica$104--

For Drivers Age of 65+

CityAllstate American Family
Austin$41--
Chicago$146$89
Philadelphia$193--
Phoenix$141$104
Santa Monica$101--

For Drivers with Average Credit

CityAllstate American Family
Austin$41--
Chicago$122$80
Philadelphia$149--
Phoenix$114$87
Santa Monica$153--

For Drivers with Fair Credit

CityAllstate American Family
Austin$38--
Chicago$125$82
Philadelphia$154--
Phoenix$117$89
Santa Monica$133--

For Drivers with Good Credit

CityAllstate American Family
Austin$38--
Chicago$107$73
Philadelphia$120--
Phoenix$103$80
Santa Monica$129--

For Drivers with Excellent Credit

CityAllstate American Family
Austin$41--
Chicago$125$68
Philadelphia$114--
Phoenix$134$72
Santa Monica$328--

Quotes & Discounts

Discount typeAllstate American Family
teenSMARTUp to 35%Varies
Accident ForgivenessUp to 30%Varies
Defensive DriverUp to 20%Varies
New CarUp to 15%--
Anti-Theft DeviceUp to 10%Varies
Anti-lock BrakeUp to 10%Up to 5%
E-billingUp to 10%--
EV/HybridUp to 10%--
Early QuoteUp to 10%Up to 5%
Farm VehicleUp to 10%--
Good DriverUp to 10%--
Good StudentUp to 10%Up to 25%
Low MileageUp to 10%Up to 8%
Multiple PolicyUp to 10%Up to 15%
Multiple VehicleUp to 10%Up to 13%
Paid in fullUp to 10%Up to 5%
Passive RestraintUp to 10%Up to 30%
PrepayUp to 10%--
Preferred paymentUp to 5%Up to 5%
Senior AdultUp to 5%Up to 25%
Student Away at SchoolUp to 5%Up to 25%
DeductibleVaries--
Discount FinderVaries--
Driving trainingVaries--
FamilyVaries--
Paperless documentsVariesUp to 3%
Utility VehicleVaries--
Accident Free--Up to 3%
Daytime Running Lights--Up to 3%
Driving Habits--Up to 5%
Electronic Stability Control--Up to 5%
Home Owner--Up to 5%
Loyalty--Up to 5%
Military--Up to 25%
New Graduate--Up to 5%
Occupation--Up to 10%
Provider Switch--Up to 5%
Sponsored Marketing--Up to 5%
Travelink--Up to 5%

Payment Methods

Discount typeAllstate American Family
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Person 2 Person Payment yes--
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesAllstate American Family
24/7 serviceyesyes
Accident forgivenessyes--
Enhanced towing & substitute coverageyesyes
Loyalty rewards programyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAllstate American Family
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
yesyes
Antique or Collector Car Insurance
yesyes
Comprehensive Claim Forgiveness
--yes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
yesyes
Gap Insurance
--yes
Legal Defense Costs Coverage
--yes
Loss of Use Coverage
yes--
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yes--
No Fault Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
SR-22 Coverage
--yes
Sound System Coverage
yes--
Umbrella Policy
yesyes
Work Loss Coverage
--yes

Online Quoting by State

  • Allstate
  • American Family
  • Both

Uber and Lyft driver insurance

  • Allstate
  • American Family
  • Both

Compare Insurance Products

ProductAllstate American Family
ATV InsuranceATV Insuranceyesyes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyesyes
Condo InsuranceCondo Insuranceyesyes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyesyes
Snowmobile insuranceSnowmobile insuranceyesyes
Travel InsuranceTravel Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Allstate Reviews
  • American Family Reviews
3.6
5 Stars
39 %
4 Stars
20 %
3 Stars
15 %
2 Stars
10 %
1 Star
16 %

Most Positive Review

By James
All of the hard work you guys have done to try to find me the cheapest rate and always staying in contact with me to make sure everything is going okay I love this they really are kindness towards their future customers

Most Critical Review

By Jerry
The last three policy periods Allstate has increased my premiums. I have no accidents, no tickets, no DUI's, no nothing and yet you continue to punishment me by raising my rates. Last period I had to raise my deductible from 500 to 750 just so I could continue to pay my premiums. I am VERY, VERY, VERY UNHAPPY with Allstate. Allstate gets a ZERO rating from me.

All Reviews

Showing 1 - 10 out of 1000 Reviews
Sort by

Read reviews that mention

Jessica
Thanks Allstate for being the absolute worst. Not only is my husband's birthday ruined due to the news of you not paying for a claim YOUR insured did, now i am out of a van, which will in turn ruin my job and make it incredibly difficult to put food on the table for my kid. when calling to file a claim the representative was quick to say they couldn't help. Despite video evidence at the place the incident occurred, allstate has now let us know they are denying the claim and will only look into it if somehow the store will release the footage to us personally. (We all know how that goes), kind of a odd slogan for allstate to ask us if we're in good hands if they don't seem to care if we actually are in good hands.. I worked for allstate and actually loved it, but to see the insured side of things is real eye opening. Glad that I have stuck by USAA as I know I'm covered. Thanks allstate for giving me that reassurance to not using you in the future nor referring others to you as well.
Betty Tsiolis
We are very pleased with our Allstate coverages thanks to our woneerful agent!
Ally
They are okay. Trying to become more competitive with other carriers but we'll see how it all works out. Drivewise is a good idea but it can be a handful.
Miles Barkley
Decent price for their rental coverage. Having the app and online account available if I ever wanted to make changes was a nice bonus.
Taye Gonfa
I have been with Allstate for over three years. Every year, my premium goes up despite my clean driving record and my cars getting old. They always tell me it is from the state not them. Finally, I decided to move to a different agency. Then they sent me a bill for outstanding balance also I have already paid in full the month they refer to, and left them days before my next bill is due. What makes this not a burglary in daylight?
Georgia Driver
Allstate sucks. I've been with them for 10 or more years now and every year my rates go higher no matter what. Finally this last increase was too much! Switched to Liberty Mutual and paying less than I have with allstate for all of the last 10 years. RIDICULOUS. Go with someone else....literally anyone would be better than allstate
Aye
My policy changes after 6 months and I cannot afford for it. I need cheaper one.
Gabriel
Good service at a cheap price.
Robert
They have been good for the most part
Susan
Service. The rates need improvement
Showing 1 - 10 out of 1000 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.