Auto Insurance Comparison
American Family vs Pekin
Side-by-side comparison of American Family vs Pekin auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
American Family is essentially tied with Pekin 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 | Pekin | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.85 /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 | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint |
| Read full review | American Family review → | Pekin review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | American Family | Pekin |
|---|---|---|
| Customer experience | 4.00 | 4.00 |
| Coverage breadth | 4.10 | 3.80 |
| Affordability | 3.50 | 3.70 |
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.
Pekin
Full review →Pros
- Mutual structure — policyholder-aligned ownership
- Strong Illinois market presence with deep state-specific expertise
- Multi-line bundling discounts when combined with home or life
- Solid customer satisfaction in operating states
Cons
- Only available in IL, IN, IA, OH, and WI
- No online quoting — every policy through an agent
- Pricing is mid-market, not a budget choice
Coverage at a glance
What each carrier offers in standard policies.
American Family
Pekin
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 reviewPekin
Pekin is a fine regional choice in its five operating states, particularly Illinois. Outside that footprint, it isn't an option.
Read the full Pekin 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.