American Family vs. Cameron Mutual: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Cameron Mutual offers less expensive prices than American Family
• American Family offers more discounts than Cameron Mutual Insurance Company
• Cameron Mutual tends to be a much more affordable option for drivers who have less-than-stellar credit

American Family vs. Cameron Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to American Family or Cameron Mutual as your top options, but which carrier will save you the most?

Looking at nationwide averages, Cameron Mutual has average rates that are about 11% per month cheaper than those from American Family.

However, that doesn't necessarily mean Cameron Mutual will be the more affordable option for each driver. Auto insurance companies use tons of complex algorithms to calculate rates, so depending on where you live or how good your credit score is (among a lot of other factors), you could see wildly different prices from the ones above.

Wanting to know if American Family or Cameron Mutual is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

American Family or Cameron Mutual: Average Car Insurance Rates by State

American Family and Cameron Mutual only compete against each other in one states, with Cameron Mutual offering cheaper rates to the average driver in all of them. Iowa has the most noticable difference, where Cameron Mutual premiums are less expensive than insurance rates at American Family.

There's a lot more that goes into your car insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. It's typically because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. For example, 18-year-old drivers pay an average of more than $30 less a month by choosing Cameron Mutual over American Family.

That being said, with both carriers, you'll see your premiums lower significantly by the time you turn 25. Cameron Mutual offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, American Family still has the lowest rates at $121 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable car insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

But who has the best prices for retired drivers between American Family and Cameron Mutual? Cameron Mutual gets the edge, with rates for drivers 65 and older $28 more affordable than the national average for American Family.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be less expensive for married couples than they are for single policyholders. That's normally because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Cameron Mutual is the clear winner for those who are single, with premiums around $19 per month cheaper than American Family, on average. For married drivers, the advantage is clear again - Cameron Mutual has the edge when it comes to average rates.

American Family vs. Cameron Mutual: Average Rates by Gender

Men typically pay more for insurance than women. This is because men are more likely to get tickets and get into collisions, which raises the chances of an insurance claim.

Men usually pay about 3% more a month than women with American Family, and nearly 10% with Cameron Mutual.

Looking at the data for each company specifically, Cameron Mutual offers the cheapest average prices for both men and women. On average, male drivers save about $12 per month and women save around $20 with Cameron Mutual compared to the average American Family policyholder.

American Family or Cameron Mutual: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Auto insurance isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages in addition to liability coverage).

In this case, Cameron Mutual offers the lowest average premiums for state minimum liability insurance, while American Family has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $45 with Cameron Mutual Insurance Company, while full coverage comes out to be about $10 more affordable with American Family Insurance.

Is American Family or Cameron Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and accidents lead to higher rates, but which carrier -- American Family or Cameron Mutual -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Cameron Mutual insurance policies don't report seeing their premiums increase after getting a ticket, but American Family policyholders can expect to see their monthly bill increase by around a quarter.

Even so, Cameron Mutual tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are $8 and $37 less expensive, respectively, compared to American Family Insurance.

Which Company is Best for Drivers After an Accident?

American Family drivers who get in a collision can expect to see their premiums rise by $20, while those who have insurance through Cameron Mutual will see about a $15 increase.

Overall, drivers who use Cameron Mutual end up with the cheaper prices after an accident, with monthly rates averaging $124 compared to American Family Insurance's $138.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. For example, Cameron Mutual increases average prices by over $40 a month -- that's just under a 30% increase.

If you have a DUI on your record and are looking for more affordable premiums, Cameron Mutual tends to be the much cheaper option with average prices of $152 a month compared to $158 from American Family.

How does Credit Score Impact American Family and Cameron Mutual Rates?

You may not realized it, but your credit score can be used as one of the factors to determine your monthly insurance rates. This isn't always the case (for example, Hawaii and California are two states that ban the practice entirely), but it does affect a lot of policyholders out there.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American Family or Cameron Mutual Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a considerable impact on your monthly prices? Generally, the more miles you put on your vehicle each year, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Cameron Mutual charges. However, there's a small difference in monthly rates for American Family, with policyholders who drive 6,000 miles yearly paying around $5 less every month compared to those who drive 12,000 miles each year. Still, Cameron Mutual is the more affordable option for drivers in both categories.

American Family vs. Cameron Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial role in how much you pay for insurance. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads in those areas.

Cameron Mutual boasts the most affordable average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Cameron Mutual offers prices about $134 per month compared to American Family's $166. People who live in suburban ZIP codes can expect to pay around $122 per month for Cameron Mutual and $134 for American Family. Lastly, those in rural areas tend to get the lowest premiums from both carriers, with average monthly rates coming in at $116 and $121 for Cameron Mutual and American Family respectively.

American Family vs. Cameron Mutual Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

In the table below, we've broken down all of the different discounts offered by both American Family and Cameron Mutual so that you can see which one can save you the most money each month.

American Family knocks Cameron Mutual out of the park when it comes to the sheer number of discounts available, offering 21 different discounts to Cameron Mutual's six.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and renewal discounts. American Family also offers advance quote discounts, anti-theft discounts, connect partner discounts, and more that Cameron Mutual does not.

On the flip side, Cameron Mutual has a couple unique discounts of its own -- education discounts, passive restraint discounts, and umbrella policy discounts.

Final Thoughts: Is American Family or Cameron Mutual Best for You?

So, you've seen how different variables can affect your insurance premiums. We've broken down the different discounts each company offers, too. But, when it comes down to it, which insurance carrier is the best company for you and your specific profile and needs?

Cameron Mutual might be best for you if....

• You have a DUI charge on your record.
• You want basic auto insurance coverage at the state minimum limits.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

American Family might be best for you if...

• You care about discounts (American Family offers the most).
• You're looking for more protection with "full coverage" insurance.

We hope this guide helps you get a good idea of the differences between American Family and Cameron Mutual and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just American Family and Cameron Mutual. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

American Family vs. Cameron Mutual FAQs

Is American Family or Cameron Mutual cheaper?

Looking just at the national average rates, Cameron Mutual is the less expensive of the two companies, offering average rates of $124 a month compared to $140 for American Family. However, Cameron Mutual won't necessarily be the cheapest company for every policyholder, since there are a variety of different factors that are considered when it comes to your car insurance payment.

Who is better, American Family or Cameron Mutual?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is "better" for everyone -- it all boils down to your unique insurance profile.

Why do American Family and Cameron Mutual offer me different rates?

Auto insurance carriers take a look at quite a few different variables when calculating the prices they charge drivers. Things such as your driving record, age, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both American Family and Cameron Mutual use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if American Family or Cameron Mutual is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be American Family or Cameron Mutual at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.