Comparing quotes is the best way to get the lowest rates from top insurers like State Farm and American Family. QuoteWizard is an independent company that helps you find the right policy at the best rate.
State Farm and American Family are both huge companies in the insurance industry. Both companies are rated as top auto insurers for 2016. State Farm ranked #4 and American Family ranked #7.
State Farm is liked for its competitive discounts and excellent online features. American Family is also liked for its additional coverage options and customer service. However, customers have complained about the difficulty to obtain a quote from State Farm. Customers also didn't like American Family’s lack of follow-up on claims and consumer complaints. Still, they both rank high for financial strength and J.D. Power ratings.
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 |
State Farm
|
American Family
|
| Worst If |
State Farm
|
American Family
|
State Farm
Commercial Auto InsuranceIf you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident. There are multiple coverage options for commercial auto insurance:
There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses. Classic Car InsuranceState Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance. The coverages for this type of policy are:
|
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 | State Farm | American Family |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | State Farm | 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 | State Farm | American Family |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | State Farm | American Family |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | State Farm | American Family |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | State Farm | American Family |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| State Farm Auto Insurance | American Family Auto Insurance | |
|---|---|---|
| 2016 | 105 | 33 |
| 2015 | 155 | 32 |
| 2014 | 178 | 18 |
| 2013 | 135 | 9 |
| State Farm Auto Insurance | American Family Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Above average | Above average |
| Policy Offerings | Above average | Above average |
| Pricing | Average | Above average |
| Local Agent | Among the best | Above average |
| Call Center Representative | -- | -- |
| Insurer Website | Average | -- |
| State Farm 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 | Above average | Average |
| Rental Car Experience | Average | Above average |
| Settlement | Average | Average |
| State Farm Auto Insurance | American Family Auto Insurance | |
|---|---|---|
| A.M. Best | A++ | A- |
| Moody's | Aa1 | -- |
| S&P's | AA | A |
|
State Farm
State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies. Pocket AgentThis app lets you:
You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login. CarCaptureThis app is powered by Edmunds.com, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote. Steer ClearThis app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences. Driver FeedbackThis an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results. Driver Feedback Instructor EditionThis app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback. Drive Safe & Save MobileThis app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan. MoveToolsThis app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move. Click here to learn more and download any of these State Farm mobile apps.
|
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. |
State Farm
State Farm Emergency Road ServiceThis service can help if you need:
Or if your car is stuck somewhere. Roadside Assistance Services Covered
Services Not Covered
Contact Phone NumberState Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. You can visit the State Farm Roadside Assistance website here. |
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) |