Is Farmers or American Family better?
American Family and Farmers offer customers affordable policy options and discounts. American Family is known for its customer satisfaction and offers bundling of auto and home policies. Meanwhile, Farmers stands out for its various discounts and also offers home and auto bundling.
Both companies provide excellent customer service according to our survey. Furthermore, both companies have solid financial standings and have been rated highly by industry experts. With excellent coverage options, great customer service and competitive prices, American Family and Farmers are both top choices for car insurance.
Keep reading to see how Farmers compares to American Family in the results of the top auto insurance companies survey.
Pros of Farmers and American FamilyFarmers Pros
- Good discounts
- Good for home and auto bundling
American Family Pros
- Affordable premiums
- Excellent customer service
How Farmers and American Family score on customer satisfaction
American Family scored 14 percentile points ahead of Farmers in customer satisfaction. This impressive performance indicates American Family’s commitment to providing the best service and products for its customers.
| Insurance Company | Percent of customers that are satisfied |
|---|---|
| Farmers | 78% |
| American Family | 92% |
Do Farmers and American Family customers plan to renew?
When it comes to renewals, American Family and Farmers are both reliable insurance providers. On average, Farmers customers experience a renewal rate of 87%, compared to 86% for American Family customers.
| Insurance Company | Percent of customers who plan to renew with the company |
|---|---|
| Farmers | 87% |
| American Family | 86% |
How Farmers and American Family score on policy offerings
Farmers Insurance ranked higher than American Family for providing coverage options for its customers. Farmers’ higher mark in policy offerings is a testament to its wide range of customizable coverage options.
| Insurance Company | Percent of customers who plan to renew with the company |
|---|---|
| Farmers | 85% |
| American Family | 83% |
Is Farmers or American Family cheaper?
American Family is cheaper than Farmers for different age groups and after a ticket. Keep reading for details on insurance rates from these two companies.
Which is cheaper at various ages?
American Family is cheaper than Farmers for every age group — teens aged 16-19, young adults aged 20-24, the average driver at age 40 and seniors aged 65.
| Age Group | Farmers | American Family |
|---|---|---|
| National Avg (40) | $1,980 | $1,362 |
| Teen (16-19) | $7,710 | $4,013 |
| Young Adult (20-24) | $3,077 | $2,126 |
| Avg for seniors (65 yr old) | $1,933 | $1,307 |
Which is cheaper with a ticket?
Farmers penalizes drivers who have a ticket more than American Family – nearly 13% more.
| Company | Annual premium | Average After Ticket | $Increase | % Increase |
|---|---|---|---|---|
| Farmers | $2,809 | $3,839 | $1,030 | 36.67% |
| American Family | $1,724 | $2,143 | $419 | 24.28% |
Farmers vs. American Family car insurance discounts
American Family offers better discounts than Farmers making American Family a more attractive option if the price is a concern
| Company | Percent Difference |
|---|---|
| Farmers | 6.16% |
| American Family | 9.00% |
Progressive vs. Geico available discounts
| Discount | Farmers | American Family |
|---|---|---|
| Air Bags | Yes | Yes |
| Anti-Theft Device | Yes | Yes |
| Daily Commute | – | Yes |
| Days Advanced Purchase | Yes | Yes |
| Days Per Week Driven | Yes | Yes |
| Education | – | – |
| Electronic Funds Transfer | Yes | Yes |
| Electronic Signature | – | – |
| Homeowner | Yes | Yes |
| Lower Annual Mileage | Yes | Yes |
| Loyalty – Years Renewal With Company | Yes | Yes |
| Marital Status | Yes | Yes |
| Multi-Policy | Yes | Yes |
| Paperless/Electronic Documents | Yes | Yes |
| Payment Type | Yes | Yes |
| Primary Use | Yes | Yes |
| Profession | – | – |
| Purchase Status | Yes | – |
| Safety Devices | Yes | Yes |
| Telematics | – | – |
| Vehicle Ownership | – | – |
Farmers vs. American Family: AM Best credit rating
American Family and Farmers are two of the most popular insurance providers in the United States. Both have earned a strong AM Best score of A, indicating their ability to provide excellent coverage for customers. With strong AM Best scores and extensive coverage options, American Family and Farmers are two reliable choices for customers looking for high-quality insurance.
Farmers vs. American Family: J.D. Power auto claims satisfaction score
J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study measures customer satisfaction with a company’s auto claims. Farmers has a score of 882, and American Family’s is 874 – both higher than the industry average of 873.
FAQ: Farmers vs. American Family
Can I buy Farmers car insurance online?
Get a quote for Farmers car insurance online.
Can I buy American Family car insurance online?
Get a quote for car insurance from American Family online.
Who should get Farmers car insurance?
Farmers offers many online resources to make it easier for customers to get the best possible value from their policies.
Who should get American Family car insurance?
American Family is known for its focus on personal relationships with customers, so keep that in mind when shopping for a car insurance policy.
What other types of insurance does Farmers offer?
Here are the other types of insurance that Farmers sells:
- Homeowners
- Renters
- Condo
- Mobile/manufactured homes
- Vacation homes
- Vacant homes
- Earthquake and flood policies
- Pet insurance
- Life insurance
- Umbrella insurance
- Financial products
- Business insurance
What other types of insurance does American Family offer?
Here are the other types of insurance that American Family sells:
- Business
- Farm and ranch
- Home
- Renters
- Condo
- Manufactured home
- Personal property
- Pet
- Life
- Health
- Umbrella
- Travel
Resources & Methodology
Sources
J.D. Power. “Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds.” Accessed January 2024.
Methodology
Insure.com, which is CarInsurance.com’s sister site, surveyed more than 1,500 insurance consumers (1,080 people with auto insurance). Online market research company Slice MR conducted the survey.
Respondents were asked to name their auto insurer and grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
Respondents ranked their insurer’s top three attributes out of more than a dozen presented – including claims satisfaction, digital experience, discounts, military discounts, best for young drivers and teens, best for college students, best for senior drivers, best for drivers with a ticket, best for high-risk drivers and best for auto/home bundling.
For a number one choice, five points were given; for a second choice, three points; and for a third choice, a single point. The total points for each choice – first, second and third – were then divided by the number of each company’s customers who responded to that survey question to create a percentage. Those percentages are presented in the results as survey scores.
Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.
Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with it. The percentage of those who said they agreed or strongly agreed is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives, and A.M. Best data, which measures financial strength.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector.
For auto insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- Annual premium: 20% of total score
- AM Best: 25% of total score
- NAIC: 15% of total score
- Each insurer was awarded from 1 to 5 stars. No insurer in our star ranking received less than 1 star and 5 stars was the most any insurer could receive.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.