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.
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 |
Farmers
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American Family
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| Worst If |
Farmers
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American Family
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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 ProgramAmerican 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 InsuranceBusiness car insurance covers the car owner and his employees if/when his business is on the move. Classic Car InsuranceThis 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. |
| 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 |
| Farmers Auto Insurance | American Family Auto Insurance | |
|---|---|---|
| 2016 | 167 | 33 |
| 2015 | 262 | 32 |
| 2014 | 237 | 18 |
| 2013 | 300 | 9 |
| 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 | -- |
| 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 |
| Farmers Auto Insurance | American Family Auto Insurance | |
|---|---|---|
| A.M. Best | A | A- |
| Moody's | Aa3 | -- |
| S&P's | A+ | A |
Farmers
Farmers Insurance Mobile Apphelps 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:
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American Family
My AmfamAmerican 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 My Amfam app is downloadable for iPhone or Android here. DreamVaultThis 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 the DreamVault app here. |
Farmers
Farmers Towing & Roadside AssistanceCovers roadside services up to $150 Services covered:
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 NumberCall 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. |
American Family
American Family Emergency Roadside ServiceService'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
Contact Phone NumberCall 1 (800) MYAMFAM (1-800-692-6326) |