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 $152.19 per month while State Auto comes in at around $203.81 per month. For American Family, the cheapest state average is Ohio at $91.29 per month and the most expensive is Nevada at $337.59 per month. For State Auto, the cheapest state average is North Dakota at $122.87 per month and the most expensive is Texas at $258.06 per month.

American Family

Average Rate

$152.19
State Auto

Average Rate

$203.81
National

Average Rate

$117.77
State American Family State Auto
Alabama- $164.41
Arizona $164.23 -
Colorado $198.50 -
Idaho $108.67 -
Illinois $179.06 $203.58
Indiana $140.05 $228.89
Iowa $102.37 -
Kansas $142.63 -
Kentucky- $191.72
Maryland- $253.07
Minnesota $127.33 -
Missouri $152.65 -
Nebraska $148.33 -
Nevada $337.59 -
North Dakota $127.54 $122.87
Ohio $91.29 $148.65
Oregon $147.93 -
Pennsylvania- $196.80
South Carolina- $170.09
South Dakota $116.86 -
Tennessee- $166.18
Texas- $258.06
Utah $195.46 $208.31
Washington $169.04 -
Wisconsin $98.41 $155.66

American Family vs. State Auto: Rates by Number of Vehicle

Home

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 $140.78 $192.93
2 Vehicles $189.74 $242.01
3 Vehicles $235.58 $414.95

American Family vs. State Auto: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average American Family charges $148.67 per month and State Auto charges $189.62 per month for customers who own their home.

Own/Rent American Family State Auto
Own $148.67 $189.62
Rent $154.35 $212.03

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.

ComparisonAmerican FamilyState Auto
Year Founded19271921
Market Share1.91%
A.M. Best RatingAA+
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
NAIC Complaint Index0.64
S&P RatingA

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.

InsuranceAmerican FamilyState 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 FamilyState Auto
Away at School DiscountAccident Prevention Course
Claims-free PricingAnti-theft Device Discount
Generational DiscountDriver Training
Good Student DiscountGood Student Discount
KnowYourDriveMulti-car Discount
Loyalty DiscountMulti-policy Discount
Multi-product DiscountPaid in Full Discount
Smart Home DiscountState Auto Safety 360
Teen Safe Driver DiscountState 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     4.830K user reviews
Android     4.43.5K user reviews
State Auto Mobile App
iOS     1.817 user reviews
Android     2.325 user reviews

American Family & State Auto Contact Info

American Family Contact Info
Address6000 American Parkway, Madison, WI 53783
Phone1-800-692-6326
Websitehttps://www.amfam.com/insurance
Facebookhttps://www.facebook.com/amfam/
Twitterhttps://twitter.com/amfam
Youtubehttps://www.youtube.com/user/amfam
Linkedinhttps://www.linkedin.com/company/american-family-insurance/
State Auto Contact Info
Address518 East Broad Street, Columbus, OH 43215
Phone1 (833) 724-3577
Websitehttps://www.stateauto.com/
Facebookhttps://www.facebook.com/stateauto/
Twitterhttps://twitter.com/StateAuto
Linkedinhttps://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.

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