Compare Allied vs. American Family Insurance

Allied and American Family are both big names in the world of insurance. Allied was founded in 1929, and American Family was founded two years prior, in 1927. While Allied is liked for its reasonably priced premiums and good claims service, American Family is popular for its broad selection of discounts and excellent additional coverage options.

However, Allied has an incredibly complicated online payment system, and American Family has had issues with following up with claims and clients as well as with resolving claims in a timely and orderly fashion. Still, both companies have strong financial and J.D. Power ratings.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Allied American Family
Best If Allied
  • You want practical and affordable insurance rates
American Family
  • You want many discount options or additional coverage
Worst If Allied
  • You’re looking for good customer service and as easy online payment system
American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.

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Special Car Insurance Discounts

Allied American Family

Allied Extra

Bundling your home and auto insurance policies can grant you access to Allied Extra. It’s completely free and also another way to help you save money on your insurance policies. Features of Allied Extra include:

  • A single deductible
    • If both your home and auto are affected, this feature lets you pay just one deductible for a claim
  • Bonus emergency lockout coverage
    • If you find yourself locked out of your car, Allied Extra provides this coverage for locksmith charges
  • Bonus airbag replacement
    • Allied will pay for new airbags if yours deploy accidentally
  • Bonus accidental death benefit
    • You’ll be paid up to $10,000 in the event that you get into a fatal car accident with your insured vehicle

Allied Rewards

Allied Rewards has even more discounts for your auto insurance, such as:

  • Forgiveness
    • If you have a good driving history, Allied won't penalize for a small accident. Allied Rewards provides accident forgiveness for safe drivers.
  • Good-As-New
    • This coverage will help you pay off your loan and get a new car if your car gets totaled. To receive money to pay for a brand new vehicle, your totaled car must be three years old or younger.
  • Roadside Assistance
    • Allied Insurance will be there for you not only online but also out on the road. Roadside assistance can help with emergency towing, lockout assistance, and jump starts so you’re never left behind.
  • Deductible savings rewards
    • You can get a significant deductible just by driving safely and being a loyal Allied customer. You don’t have to pay your deductible if your car is totaled with the Total Loss Deductible Waiver .
American Family

Teen Safe Driver Program

American Family's home website says its Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance

Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance

This special policy allows classic car owners provides coverage that aligns with the car's value. American Family helps create a personalized policy that gives these cars the protection they need.

Standard Car Insurance Discounts

Bundling Coverage Discounts Allied American Family
Home and Car
Car and Life
Vehicle Type and Safety Features Allied American Family
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Allied American Family
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allied American Family
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Special Circumstances Allied American Family
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allied American Family
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allied Insurance American Family Car Insurance
2016 4 33
2015 4 32
2014 3 18
2013 1 9

U.S. Auto Insurance Shopping Study (2016)

Allied Insurance American Family Car Insurance
Overall Purchase Experience Above average Above average
Policy Offerings Average Above average
Pricing Average Above average
Local Agent Above average Above average
Call Center Representative -- --
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Allied Insurance American Family Car Insurance
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Above average
Appraisal Average
Repair Process Average
Rental Car Experience Above average
Settlement Average

Financial Strength Ratings

Allied Insurance American Family Car Insurance
A.M. Best A+ A-
Moody's A2 --
S&P's AA A

Mobile Apps

Allied American Family

The Allied Mobile App lets you access all the details of your insurance policy from your mobile device. You can use it to file or view claims, pay your premiums, connect with your agent, and contact roadside assistance. To download the app for your smartphone, click here

American Family

My Amfam

American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device. So interacting with your insurance company or agent is just one touch away. Use it to contact or search for nearby agents, file or view an auto claim, and make insurance payments. The app is downloadable for iPhone or Android here.


This app lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items. If you need to file a claim, all your information on your belongings is right there in your hands. Download DreamVault here

Roadside Assistance

Allied American Family

Allied Rewards – Roadside Assistance

Allied Insurance will be there for you not only online but also out on the road. Roadside assistance, gets you emergency help like towing, lockout assistance, and jump starts so you’re never left behind.

Allied Roadside Assistance covers everyone insured on your policy, regardless if the car in trouble isn't listed on the policy. Allied offers a Basic and Plus roadside package that both include Cross Country Perks. These give drivers discounts on dining, entertainment, pets, travel and more.

Plus coverage comes with trip interruption coverage. It kicks in when you're more than 100 miles from home. You get an allowance for a rental car, lodging and food.

Roadside Assistance- Basic

(costs about $10 per 6 month policy period)

  • Towing up to 15 miles
  • Gas delivery
  • Lockout service
  • Jump starts
  • Flat tires
  • Cross Country Perks

Roadside Assistance – Plus

(costs about $20 per 6 month policy period)

  • Towing up to 100 miles
  • Trip interruption coverage
  • Turn-by-turn directions
  • Pre-trip map routing
  • Gas delivery
  • Lockout service
  • Jump starts
  • Cross Country Perks

Contact Phone Number

Call the Allied Roadside Assistance hotline: 800-282-1446

American Family

American Family Emergency Roadside Service

Service's include. mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, and battery charges. You can also get locksmith services if you’re locked out.

Add this to your existing auto policy for help when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

Call 1 (800) MYAMFAM (1-800-692-6326)