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American Family vs. State Auto Insurance
Which insurance provider is right for you? Compare cost, plans, and quotes from American Family and State Auto.
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American Family vs. State Auto: What You Need to Know
Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.
In 1921, Robert S. Pein started State Automobile Insurance Company with a borrowed sum of $30,000. Pein wanted to offer an alternative to the high rates other insurers were charging. He also wanted to a better claims settlement process. The company had humble beginnings with a staff of three in a small rented room in downtown Columbus. Pein insisted and his insurance products only be sold through independent agents, a decision that became company policy that is still in effect.
Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit American Family Overview and State Auto Overview.
American Family vs. State Auto: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with American Family and State Auto. On average, American Family charges approximately $222.59 per month while State Auto comes in at around $240.37 per month. For American Family, the cheapest state average is Oregon at $215.54 per month and the most expensive is Nevada at $304.15 per month. For State Auto, the cheapest state average is Pennsylvania at $182.82 per month and the most expensive is Texas at $272.69 per month.
Average Rate
Average Rate
Average Rate
| State | American Family | State Auto |
|---|---|---|
| Nevada | $304.15 | - |
| Oregon | $215.54 | - |
| Pennsylvania | - | $182.82 |
| Texas | - | $272.69 |
| Washington | $244.14 | - |
American Family vs. State Auto: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that American Family and State Auto typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | American Family | State Auto |
|---|---|---|
| 1 Vehicle | $203.32 | $219.62 |
| 2 Vehicles | $333.78 | $274.29 |
American Family vs. State Auto: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average American Family charges $223.77 per month and State Auto charges $254.74 per month for customers who own their home.
| Own/Rent | American Family | State Auto |
|---|---|---|
| Own | $223.77 | $254.74 |
| Rent | $222.31 | $228.44 |
What is American Family and State Auto Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how American Family and State Auto ranked among the industry ratings.
| Comparison | American Family | State Auto |
|---|---|---|
| Year Founded | 1927 | 1921 |
| Market Share | 1.91% | |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | About Average | |
| NAIC Complaint Index | 0.64 | |
| S&P Rating | A |
American Family or State Auto: Insurance Products Offered
What coverage is available through American Family and State Auto? Both insurance companies offer Auto, Commercial, Condo, Farm, Home, and Umbrella insurance. Additional products from American Family insurance also includes Health, Life, Motorcycle, Renters, and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit American Family and State Auto Insurance page.
| Insurance | American Family | State Auto |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | ✔ |
| Farm Insurance | ✔ | ✔ |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | |
| Umbrella Insurance | ✔ | ✔ |
American Family or State Auto: Ways To Save
State Auto offers a wide range of discounts to its policyholders, including Anti-theft Device, Driver Training, and Good Student discounts. American Family also offers a few discounts that State Auto doesn’t including Young Volunteer, Teen Safe Driver, and Smart Home discounts. Start taking advantage of discounts offered by insurance providers like State Auto and American Family insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| American Family | State Auto |
|---|---|
| Away at School Discount | Accident Prevention Course |
| Claims-free Pricing | Anti-theft Device Discount |
| Generational Discount | Driver Training |
| Good Student Discount | Good Student Discount |
| KnowYourDrive | Multi-car Discount |
| Loyalty Discount | Multi-policy Discount |
| Multi-product Discount | Paid in Full Discount |
| Smart Home Discount | State Auto Safety 360 |
| Teen Safe Driver Discount | State Auto Start-Up |
| Young Volunteer Discount |
Pros & Cons of American Family & State Auto
Pros
American Family
- American Family Insurance has 24/7 claim support.
- With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount of up to 20%.
- Teen Safe Driver also uses technology to monitor distracted driving and may earn a teen up to 10% in car insurance discounts.
- The American Family MyAmFam app is very helpful for managing your account.
- American Family Insurance offers rideshare insurance for Uber and Lyft drivers.
State Auto
- State Auto offers tiers of protection, which simplifies decision-making about coverages based on budget.
Cons
American Family
- American Family Insurance only serves 19 states.
State Auto
- The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program.
- Car insurance is only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, and Wisconsin.
American Family or State Auto Mobile Apps Options
The American Family mobile app is available for iOS and Android. Called MyAmFam, the app allows users to manage their insurance policy: Make payments, view coverage and policy details, access digital ID cards, in-app payment reminders, find a repair shop, submit a claim, get roadside assistance and more.
The State Auto telematics app is available for iOS and Android. The State Auto Safety 360 telematics program was designed to keep you safer on the road. You may even earn up to 50% on auto insurance premiums. You may even save 10% for signing up.
| American Family Mobile App | ||
|---|---|---|
| iOS | 4.8 | 30K user reviews |
| Android | 4.4 | 3.5K user reviews |
| State Auto Mobile App | ||
|---|---|---|
| iOS | 1.8 | 17 user reviews |
| Android | 2.3 | 25 user reviews |
American Family & State Auto Contact Info
| American Family Contact Info | |
|---|---|
| Address | 6000 American Parkway, Madison, WI 53783 |
| Phone | 1-800-692-6326 |
| Website | https://www.amfam.com/insurance |
| https://www.facebook.com/amfam/ | |
| https://twitter.com/amfam | |
| Youtube | https://www.youtube.com/user/amfam |
| https://www.linkedin.com/company/american-family-insurance/ | |
| State Auto Contact Info | |
|---|---|
| Address | 518 East Broad Street, Columbus, OH 43215 |
| Phone | 1 (833) 724-3577 |
| Website | https://www.stateauto.com/ |
| https://www.facebook.com/stateauto/ | |
| https://twitter.com/StateAuto | |
| https://www.linkedin.com/company/state-auto-insurance | |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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