Ameriprise vs State Farm 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

Ameriprise
78
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

Ameriprise VS State Farm
78
88
What is this?
User Ratings
OptionsAmeriprise State Farm
Rating/Reviews
40 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmeriprise State Farm
Insurer Website--The rest
Local Agent--About average
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmeriprise State Farm
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--About average
Overall Satisfaction--About average
Rental Experience--About average
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionAmeriprise State Farm
California862 pt
Among the best
813 pt
About average
Central--824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic--826 pt
The rest
New England--838 pt
Better than most
New York--820 pt
About average
North Central--840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas--816 pt
The rest
Mobile App Ratings
RegionAmeriprise State Farm
Android
316 Reviews
12,082 Reviews
iOS
14 Reviews
288 Reviews
Financial Ratings
OptionsAmeriprise State Farm
A.M. BestAA++
FitchA---
Moody'sA3Aa1
Standard & Poor'sA-AA

Auto Insurance Quotes

For Married Drivers

CityAmeriprise State Farm
Austin--$52
Chicago--$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityAmeriprise State Farm
Austin--$54
Chicago--$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityAmeriprise State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityAmeriprise State Farm
Austin--$54
Chicago--$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityAmeriprise State Farm
Austin--$66
Chicago--$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityAmeriprise State Farm
Austin--$50
Chicago--$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityAmeriprise State Farm
Austin--$56
Chicago--$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityAmeriprise State Farm
Austin--$50
Chicago--$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityAmeriprise State Farm
Austin--$52
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityAmeriprise State Farm
Austin--$60
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityAmeriprise State Farm
Austin--$58
Chicago--$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityAmeriprise State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityAmeriprise State Farm
Austin--$42
Chicago--$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeAmeriprise State Farm
Accident (Merit) RatingVaries--
Accident ForgivenessVaries--
Accident FreeVariesUp to 15%
Anti-Theft DeviceVariesUp to 15%
Anti-lock BrakeVariesUp to 20%
Daytime Running LightsVariesVaries
Defensive DriverVariesUp to 5%
GaragingVaries--
Good DriverVariesUp to 25%
Good StudentVariesUp to 25%
LoyaltyVariesVaries
Multiple PolicyVariesUp to 17%
Multiple VehicleVariesUp to 20%
New GraduateVaries--
Passive RestraintVariesUp to 40%
Provider SwitchVaries--
Seat Belt UseVaries--
Student Away at SchoolVariesVaries
Claims Free Renewal--Varies
Driving Habits--Up to 30%
Driving training--Varies
Good Credit--Up to 80%
Home Owner--Varies
Low Mileage--Up to 10%
Mature driver--Varies
Military--Varies
New Car--Up to 40%
Senior Adult--Varies
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

Discount typeAmeriprise State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
--yes
Prepayment
yes--

Features and Services

Features and ServicesAmeriprise State Farm
24/7 serviceyesyes
Accident forgivenessyes--
Enhanced towing & substitute coverageyesyes
Flexible / convenient paymentsyesyes
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmeriprise State Farm
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
yesyes
Antique or Collector Car Insurance
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
--yes
Gap Insurance
yes--
Glass Coverage yesyes
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • Ameriprise
  • State Farm
  • Both

SR‌-22 Insurance by State

  • Ameriprise
  • State Farm
  • Both

Compare Insurance Products

ProductAmeriprise State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insuranceyesyes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insurance--yes
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insuranceyesyes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insurance--yes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insuranceyesyes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Ameriprise Reviews
  • State Farm Reviews
3.5
5 Stars
40 %
4 Stars
18 %
3 Stars
15 %
2 Stars
3 %
1 Star
25 %

Most Positive Review

By Roger
Value

Most Critical Review

By Greg
Had Ameriprise for many years with no claims. Scraped the right front fender pulling into the garage resulting in a claim and insurance rates went from $2,100 every 6 months to $3,300 every 6 months. Only claim ever.i could have just paid for the repairs several times over for that increase.

All Reviews

Showing 1 - 10 out of 40 Reviews
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Read reviews that mention

Michael
Price
SANTOSH
Ameriprise is relatively out of sync with changing market and customer dynamics. The rigid insurability clause for Comprehensive coverage of personal auto insurance, while working for a ride sharing company. The ride sharing company has its own comprehensive insurance, while the personal auto insurance is for own use. Ameriprise adjusters are not ready to meet the challenges of Digital age. Archaic processes and systems used by the adjusters are not customer friendly.
Anthony
Very professional and did not waste my time
Juan
No real problem other than large rate increase. Its all about the money
Ray
Relatively painless experience in replacing my totaled car.
saisunee w
I left Ameriprise after being a customer for 19 year due to their terrible customer service and corporate greed. I had Ameriprise for my home, auto and umbrella insurance with no problems but last September I accidently scratched another car while parking. Ameriprise advertises that they had accident forgiveness but they lie. The only time I had to use my insurance in 19 years and they screwed me over the first chance they got. The Ameriprise representative was extremely rude and informed me that there was no accident forgiveness and they increased my rate to triple the original price. Save yourself heartache and DO NOT get Ameriprise Insurance.
Monica
I've never had a problem with being helped...never had an issue. My issue is their prices.
Manoochehr
The high price.
Brian
Never had any problems with them.
Jo
My rates went up for no fault of mine. Car and auto.
Showing 1 - 10 out of 40 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.