Auto Insurance Comparison
American Family vs Farmers
Side-by-side comparison of American Family vs Farmers auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
American Family edges ahead Farmers in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| American Family | Farmers | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.70 /5 ★★★★★ |
| Best for | American Family is a Midwest-rooted mutual carrier that ranks consistently well on customer satisfaction and offers a usage-based program with real teeth | Farmers is built around its 48,000-agent network and a broad bundling story — particularly when paired with home or life coverage |
| Read full review | American Family review → | Farmers review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | American Family | Farmers |
|---|---|---|
| Customer experience | 4.00 | 3.70 |
| Coverage breadth | 4.10 | 4.20 |
| Affordability | 3.50 | 3.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
American Family
Full review →Pros
- American Family provides a variety of savings on vehicle insurance coverage.
- The firm also offers numerous other types of insurance, which may be combined to save money.
- American Family's mobile app is simple to use and includes features like tracking claim progress, scheduling payments, and calling roadside help.
Cons
- Because American Family does not offer a comprehensive list of extra coverage enhancements or endorsements for vehicle policies, customers with more sophisticated insurance needs should continue their research.
- While homeowners rated American Family vehicle insurance positively, renters rated this provider below average in our Customer Satisfaction Survey.
Farmers
Full review →Pros
- Coverage that is completely customizable for both vehicle and house insurance policies
- Opportunities for bundling several lines of insurance
- Numerous automobile insurance reductions are available.
- Fewer customer complaints than average
Cons
- Standalone auto rates typically run above more pure-play competitors
- Customer satisfaction on claims handling trends average to slightly below average
- Online quote and self-service experience lags more digital-native competitors
Coverage at a glance
What each carrier offers in standard policies.
American Family
Farmers
The bottom line
American Family
American Family is a solid pick in the Midwest and Western states where it operates. If you're outside its footprint or shopping purely on rate, broader carriers will usually price more aggressively.
Read the full American Family reviewFarmers
Choose Farmers if you'd use the agent relationship and bundle multiple lines. As a price-driven solo-auto shopper, you'll usually find cheaper rates at GEICO or Progressive without giving up much.
Read the full Farmers reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.