Compare Farmers vs. American Family Insurance

Farmers and American Family are similarly huge names in the insurance industry that have been around for ages. American Family was the sixth-rated auto insurer in the US in 2016, and though Farmers didn’t earn a spot in the top 10, it earned a strong rating of seven out of 10.

Both companies have a decent range of auto discounts as well as good J.D. Power ratings. However, American Family only serves about 19 states and has issues responding to claims, while Farmers is criticized for its weak online platform.

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

Best If/Worst If

  Farmers American Family
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
American Family
  • You want many discount options or additional coverage
Worst If Farmers
  • You want slick online tools to manage your policy
American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.

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Comparing quotes is the best way to get the lowest rates from top insurers like Farmers and American Family. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

Farmers American Family
Farmers

Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low.

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

Consumer Complaint Data

Farmers Auto Insurance American Family Auto Insurance
2016 167 33
2015 262 32
2014 237 18
2013 300 9

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Farmers Auto Insurance American Family Auto Insurance
A.M. Best A A-
Moody's Aa3 --
S&P's A+ A

Mobile Apps

Farmers American Family
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:

  • View the details of your coverage policy
  • Get updates from a message center
  • Have instant access with a “Keep Me Logged In” feature

Download it 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.

DreamVault

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

Farmers American Family
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150.

Farmers’ Roadside Emergency Safety Contact Number

Call 1 (800) 435 -7764 or click here. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. 

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)