Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Sep 7, 2021

Advertiser Disclosure

It’s all about veterans. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help veterans make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with one auto insurance company and cannot guarantee quotes from any single company. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for veterans interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

To Sum It Up

  • Choosing Allstate or American Family auto insurance means getting some great discounts
  • American Family has slightly better rates than Allstate
  • Allstate offers more discounts than American Family
  • Allstate and American Family both factor in various elements when figuring out your base rates

If you have retired from the military, you might start to wonder, Allstate vs. American Family: Which is better for veterans?

Sure, you can talk with American Family insurance agents, but we have done the research to help you in finding cheap car insurance for veterans by comparing these two top-rated insurers.

Both Allstate and American Family have a lot to offer. With discounts and decent base rates, you should easily be able to save some money on your monthly auto insurance bill.

Getting familiar with how base rates work and the discounts you qualify for is the best way to get the best rates.

Find out everything you need to know about affordable Allstate and American Family auto insurance rates, but first — enter your ZIP code here to gather free quotes from popular insurance companies near you.

Allstate vs. American Family: Which is better for veterans?

Many veterans search for a military discount when they start looking into a new auto insurance company. While a military discount can help you save money, it doesn’t necessarily save you the most.

Getting familiar with base rates and discounts available can help you make an educated decision and allow you to get the most bang for your buck. To find the best auto insurance rates, you must understand that insurers look at various information to set your base rates.

Each insurance company puts different weight on each category, so your base rates can vary drastically between companies. When figuring out what you will pay, insurance companies look at your:

  • Age
  • Location
  • Credit History
  • Driving Record
  • Education
  • Annual Mileage
  • Number of Claims

These factors all play a role in what you pay. Additionally, if you are active in the military, you need to get familiar with driving laws on military bases to ensure you don’t end up with extra black marks on your driving record.

With that being said, let’s look at a few of the most impactful categories and the base rates associated with them. This will clue you into what you may end up paying if your choose Allstate or American Family as your new auto insurance company.

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What are Allstate and American Family auto insurance rates based on age?

Your age plays one of the most significant roles in determining your auto insurance rates. New drivers are more apt to get into an accident because of their inexperience. The older you get, the cheaper your rates can be.

In addition to your age, your driving record will also matter. Simply growing older doesn’t guarantee you are a good driver. However, if you have a clean driving record, you can look forward to your rates dropping simply because you are more experienced.

Allstate vs.American Family Monthly Average Rates Based on Age Group
Age GroupAllstate Monthly RatesAmerican Family Monthly Rates
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American Family beats Allstate in every age group when it comes to affordability. Keep in mind that these rates don’t reflect discounts, making Allstate the cheaper choice for some people.

What are Allstate and American Family auto insurance rates based on credit score?

It’s common knowledge that your age is considered when auto insurance rates are determined. However, many people don’t realize that their credit score can be just as impactful. Auto insurance companies believe that those with higher credit scores are less risky to insure.

This means that the better your credit score is, the cheaper your auto insurance rates will be. By working on your credit, you can also save money on your monthly insurance bill. It can take time but is worth it at the end of the day for various reasons, including auto insurance costs.

Let’s look at credit score ranges and how much you may end up paying for insurance for each one. You may be surprised at how much you can save by working on your score and how much time these quick comparisons save compared to calling the Allstate insurance phone number.

Allstate vs. American Family Average Monthly Rates by Credit Score
Credit Score RangeAllstate Monthly RatesAmerican Family Monthly Rates
300-579 (Poor)$260$161
580-669 (Fair)$180$108
670-739 (Good)$168$102
740-799 (Very Good)$152$84
800-850 (Exceptional)$145$78
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Here again, American Family offers more affordable rates regardless of your credit score. We will continue looking into rates and discounts to ensure you know where you will save the most money on your auto insurance.

Are customers more satisfied with Allstate or American Family?

From finding convenient American Family insurance locations to locating the Allstate customer service number, you want to work with an insurance company that keeps things simple. Both the American Family insurance app and the Allstate app do this.

You will have access to everything you need right in the palm of your hand. Not only that, but consumers are satisfied with their experience with both of these insurance companies. The customer service teams are there for you when you need them most.

When you are involved in a motor vehicle accident, you want to know your auto insurance company has your back. With both of these companies, they do. When you are in trouble, you can call the Allstate roadside assistance number and get help with a flat tire, towing, and more.

So, regardless if you choose Allstate or American Family, you are sure to be satisfied with your experience. No matter how big or how small the problem is, these solid customer care teams will be there for you.

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Will I get better discounts from Allstate or American Family?

As previously mentioned, discounts are a great way to save money on your auto insurance. You shouldn’t choose to buy Allstate or. American Family auto insurance without checking what discounts they offer.

While you will see similar discounts being offered from the top auto insurance companies, there are always a few unique ones as well.

Getting familiar with what is available is a great way to choose a new insurer. Allstate is known for offering a nice variety of discounts, but let’s look at how American Family stacks up against them.

Allstate vs. American Family Available Discounts
DiscountsAllstateAmerican Family
Advanced Policy PurchaseYesYes
Air BagsNoYes
Anti-lock BrakesYesNo
Anti-theft DevicesYesNo
Defensive DriverNoYes
Good DriverYesYes
Good StudentYesYes
Home Owner'sNoNo
New VehicleYesNo
Paid in FullYesNo
Student Away at SchoolYesYes
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Allstate offers a few more discounts than American Family. However, there are a few that American Family offers that Allstate does not. Add that to the fact that American Family offers cheaper rates in every category, and it is likely going to be the most affordable auto insurance for veterans.

Neither of these companies offers a military discount, but you shouldn’t hold that against them. A military discount will likely not save you as much money as the multiple discounts you may qualify for with each of these companies.

Now that you know the ins and outs of Allstate and American Family auto insurance companies, enter your ZIP code here to quickly scan free quotes from top-rated insurance companies in your area.