American Family vs Farmers Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

American Family VS Farmers
89
85
What is this?
User Ratings
OptionsAmerican Family Farmers
Rating/Reviews
138 reviews
506 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family Farmers
Insurer Website--About average
Local AgentBetter than mostAbout average
Overall SatisfactionBetter than mostAbout average
Policy OfferingsBetter than mostAbout average
PricingBetter than mostAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family Farmers
Claim ServicingAbout averageAbout average
Estimation ProcessAbout averageAbout average
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessAbout averageThe rest
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family Farmers
California--795 pt
The rest
Central823 pt
About average
821 pt
About average
Florida--820 pt
About average
Mid-Atlantic--814 pt
The rest
North Central820 pt
About average
808 pt
The rest
Northwest826 pt
Better than most
785 pt
The rest
Southwest819 pt
About average
797 pt
The rest
Texas--822 pt
About average
Mobile App Ratings
RegionAmerican Family Farmers
Android
1,081 Reviews
2,565 Reviews
iOS
6,200 Reviews
538 Reviews
Financial Ratings
OptionsAmerican Family Farmers
A.M. BestAA
FitchA+A+
Moody'sAa3A2
Standard & Poor'sA+A

Auto Insurance Quotes

For Married Drivers

CityAmerican Family Farmers
Chicago$76$124
Phoenix$82$126
Santa Monica--$120

For Single Drivers

CityAmerican Family Farmers
Chicago$76$117
Phoenix$82$120
Santa Monica--$263

For Male Drivers

CityAmerican Family Farmers
Chicago$76$129
Phoenix$82$129
Santa Monica--$269

For Female Drivers

CityAmerican Family Farmers
Chicago$76$112
Phoenix$82$117
Santa Monica--$114

For Drivers with Speeding Ticket

CityAmerican Family Farmers
Chicago$102$163
Phoenix$121$157
Santa Monica--$302

For Drivers with No Speeding Ticket

CityAmerican Family Farmers
Chicago$70$111
Phoenix$74$116
Santa Monica--$168

For Drivers Age Between 18-40

CityAmerican Family Farmers
Chicago$76$120
Phoenix$81$123
Santa Monica--$303

For Drivers Age Between 40-65

CityAmerican Family Farmers
Chicago$72$115
Phoenix$77$118
Santa Monica--$104

For Drivers Age of 65+

CityAmerican Family Farmers
Chicago$89$142
Phoenix$104$143
Santa Monica--$101

For Drivers with Average Credit

CityAmerican Family Farmers
Chicago$80$116
Phoenix$87$123
Santa Monica--$149

For Drivers with Fair Credit

CityAmerican Family Farmers
Chicago$82$132
Phoenix$89$134
Santa Monica--$134

For Drivers with Good Credit

CityAmerican Family Farmers
Chicago$73$126
Phoenix$80$128
Santa Monica--$140

For Drivers with Excellent Credit

CityAmerican Family Farmers
Chicago$68$108
Phoenix$72$108
Santa Monica--$343

Quotes & Discounts

Discount typeAmerican Family Farmers
Passive RestraintUp to 30%Varies
Good StudentUp to 25%Varies
MilitaryUp to 25%Varies
Senior AdultUp to 25%Varies
Student Away at SchoolUp to 25%Varies
Multiple PolicyUp to 15%Up to 10%
Multiple VehicleUp to 13%Varies
OccupationUp to 10%--
Low MileageUp to 8%--
Anti-lock BrakeUp to 5%Varies
Driving HabitsUp to 5%Varies
Early QuoteUp to 5%Varies
Electronic Stability ControlUp to 5%Varies
Home OwnerUp to 5%Varies
LoyaltyUp to 5%Varies
New GraduateUp to 5%--
Paid in fullUp to 5%Varies
Preferred paymentUp to 5%Varies
Provider SwitchUp to 5%Varies
Sponsored MarketingUp to 5%--
TravelinkUp to 5%--
Accident FreeUp to 3%--
Daytime Running LightsUp to 3%Varies
Paperless documentsUp to 3%Varies
Accident ForgivenessVaries--
Anti-Theft DeviceVariesVaries
Defensive DriverVariesVaries
teenSMARTVariesVaries
Affinity group--Varies
Claims Free Renewal--Varies
Driving training--Varies
E-billing--Varies
EV/Hybrid--Up to 5%
Family--Varies
Good Driver--Varies
Good Payer--Varies
Mature driver--Varies
On Your Own--Varies
Organization--Varies
Prepay--Varies
Professional organization--Varies
VIN Etching--Varies
Youth Driving--Varies

Payment Methods

Discount typeAmerican Family Farmers
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yesyes
Online Payment
yesyes
Phone Payment
yesyes

Features and Services

Features and ServicesAmerican Family Farmers
24/7 serviceyes--
Accident forgiveness--yes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmerican Family Farmers
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yesyes
Comprehensive Claim Forgiveness
yesyes
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yesyes
Gap Insurance
yes--
Glass Coverage --yes
Incident Forgiveness
--yes
Legal Defense Costs Coverage
yes--
Loss of Use Coverage
--yes
New Car Replacement Coverage
--yes
No Fault Coverage
--yes
Original Equipment Manufacturer Coverage
--yes
Personal/Upgraded Item Coverage
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Small Claim Forgiveness
--yes
Umbrella Policy
yesyes
Vanishing Deductible
--yes
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • Farmers
  • Both

Uber and Lyft driver insurance

  • American Family
  • Farmers
  • Both

SR‌-22 Insurance by State

  • American Family
  • Farmers
  • Both

Compare Insurance Products

ProductAmerican Family Farmers
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Earthquake InsuranceEarthquake Insurance--yes
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyesyes
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insurance--yes
Recreational InsuranceRecreational Insurance--yes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyes--
Snowmobile insuranceSnowmobile insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • American Family Reviews
  • Farmers Reviews
3.4
5 Stars
37 %
4 Stars
12 %
3 Stars
23 %
2 Stars
9 %
1 Star
19 %

Most Positive Review

By Theresa
They have been honest, personable,and easy to communicate with. Their rates are reasonable and automatic payments are a nice way to pay. I only am planning to switch because the location I'm moving to isn't covered by American Family.

Most Critical Review

By dmack
They base adjuster salaries on steering. In the adjuster performance reviews they have a required goal on steering vehicles to CRP shops and if the vehicles aren't repaired at the AmFam shop the adjuster will received a poor performance rating which ties directly to salary and promotional opportunities. Some adjusters will hang up on customers who are reporting a loss if they don't select a CRP as they don't want their performance rating impacted.

All Reviews

Showing 1 - 10 out of 138 Reviews
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Read reviews that mention

Charles
aholes
Tun
Patrick
Melvin
they help me out when nobody else would
Suzanne
We have been satisfied with their service but they are expensive.
Felicia
When I filled a claim I had no follow up from the claim adjuster. I am still waiting for my deductible to be paid back.
Stephanie
They have horrible customer service and the lack of integrity that my insurance agent has is 0
Daile
The customer service
Julia
Very good insurance and have been really happy with my agent and was originally the least expensive. Ive had a couple issues with the call center but not enough for me to really care. Looking to switch only because other companies are having lower prices for me now.
Michael
Price
Showing 1 - 10 out of 138 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.