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

Quick Facts

• In general, American Family offers slightly more affordable prices than Ohio Mutual
• American Family tends to be a much less expensive option for people who are single and purchasing auto insurance by yourself
• Ohio Mutual offers cheaper average rates for drivers who have an at-fault accident on their record

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to American Family or Ohio Mutual, but which carrier has more affordable prices for car insurance?

Looking at nationwide averages, American Family is about $12 per month less expensive than Ohio Mutual.

But that doesn't necessarily mean American Family will be the cheaper option for each driver. Insurance companies use all sorts of complex algorithms to calculate rates, so depending on where you live or how good your credit score is (among several other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of American Family or Ohio Mutual is really the best for you, keep reading to see average prices for each carrier broken down by a variety of different rate factors.

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

American Family and Ohio Mutual only compete against each other in Ohio, where American Family offers the cheaper average rates. For Ohio residents, American Family offers auto insurance for $90 monthly on average. Ohio Mutual's average premiums come out to be over 60% more expensive, at $152 per month.

But there's more to calculating car insurance rates than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group out there on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $20 less a month by choosing Ohio Mutual over American Family. It's worth noting that American Family offers insurance in 16 different states compared to Ohio Mutual's one, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, with both carriers, you'll see your rates drop significantly by the time you turn 25. Ohio Mutual offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, American Family still has the cheapest premiums at $121 a month.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you'll ever see.

But who has the best rates for retired drivers between American Family and Ohio Mutual? American Family gets the slight edge here, with average premiums coming in at around $107 monthly compared to Ohio Mutual's $114.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be less expensive for married couples than they are for those who are single. This usually boils down to married policyholders having more than one car on their policy -- something lots of insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for single policyholders, with premiums only differing about $6 per month, on average. But for married drivers, the advantage is clear - American Family offers the most affordable average rates.

American Family vs. Ohio Mutual: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll generally end up paying more for auto insurance than women.

Women usually pay around 3% a month less than men with American Family, while with Ohio Mutual, the difference is closer to 5% per month.

Looking at the data for each company specifically, American Family offers the cheapest average prices for both men and women, with average premiums $13 less for men and $10 cheaper for women.

American Family or Ohio 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.

For most people, car insurance can be pretty complicated. 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 end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages alongside what you get with a liability policy).

In this case, Ohio Mutual offers the lowest average rates 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 $20 with Ohio Mutual Insurance Company, while full coverage comes out to be about $45 cheaper with American Family Insurance.

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

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

Tickets and at-fault accidents will most likely raise your prices, but is American Family or Ohio Mutual more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

American Family policyholders can expect their premiums to go up an average of $29 a month if they get a ticket, while Ohio Mutual generally raises prices around $21 per month, on average.

That being said, Ohio Mutual tends to offer the best prices for drivers both with clean records and with a speeding ticket -- their rates are around 29% less expensive for drivers with clean records and 29% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through American Family can expect to see about an $20 -- or around 14% -- increase in their car insurance rates. Drivers who use Ohio Mutual for their insurance will see a monthly bill about $41 (or 33%) more expensive after reporting an accident to their auto insurance carrier.

Overall, drivers who use Ohio Mutual end up with the cheaper prices after an accident, with monthly prices averaging $125 compared to American Family Insurance's $138.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Ohio Mutual drivers usually see a 71% climb in their insurance premiums after a DUI charge, while American Family will typically increase rates by around 25%.

American Family has the overall most affordable premiums for drivers with a DUI on their records at $158 per month, but it's worth noting that American Family's average rates come from 16 states compared to just one for Ohio Mutual, so the data may be skewed slightly.

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

Often times, your credit score can be used as one of the factors to determine your monthly car insurance prices. Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for many policyholders.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Ohio Mutual and American Family, which one has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Ohio Mutual for an "excellent" credit score. Policyholders with "excellent" credit can save 2% compared to American Family, while those with "good" scores can expect to see better savings from American Family -- about $4 or 3% more affordable than Ohio Mutual every month.

Which Company is Best for Drivers with Bad Credit?

American Family typically offers lower premiums than Ohio Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $12 a month less with American Family compared to Ohio Mutual, and those with "poor" scores normally save an average of about $31 a month.

Is American Family or Ohio 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 pretty big impact on how much auto insurance companies will charge for coverage? That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

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

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

Where you park your car can have a big impact on your monthly car insurance payment. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Looking at these carriers side-by-side, American Family typically comes out as the less expensive option for drivers in rural and suburban areas, while Ohio Mutual wins in urban areas.

For drivers in urban ZIP codes, Ohio Mutual's average premiums are about $155 while American Family offers prices around $166. People in suburban areas pay about $134 with American Family compared to Ohio Mutual's $153 per month. If you live in a rural area, you can expect to pay around $121 monthly with American Family and $147 with Ohio Mutual.

American Family vs. Ohio Mutual Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many insurance discounts as you can.

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Below, we've taken a look at all of the different discounts American Family and Ohio Mutual offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, American Family has the advantage when it comes to total number of discounts. Ohio Mutual offers a grand total of 17 discounts, while American Family has 21.

Both companies offer a lot of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for being a good student, and paid in full discounts -- but American Family also offers connect partner discounts, COVID-19 relief discount, DRL discounts, and more that Ohio Mutual does not.

On the flip side, Ohio Mutual has a couple unique discounts of its own -- ABS discounts, attentive driver discounts, continuous insurance discounts, and more.

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

So, you've seen how different variables can affect your car insurance rates. We've broken down the different discounts each company offers, too. But, at the end of the day, is American Family or Ohio Mutual the right company for you and your specific needs?

American Family might be best for you if....

• You already have plans to move to another state -- Ohio Mutual Insurance Company is only available to Ohio residents.
• You're looking for more protection with "full coverage" auto insurance.
• You don't spend much time in your car.

Ohio Mutual might be best for you if...

• You have a clean record.
• Your driving record contains an at-fault collision.
• You live in an urban area.

We hope this guide helps you get a good idea of the differences between American Family and Ohio Mutual and that you can now make a more informed decision when it comes to your 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 a handful of carriers, not just American Family and Ohio Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

American Family vs. Ohio Mutual FAQs

Is American Family or Ohio Mutual cheaper?

Looking just at the national average prices, American Family is the more affordable of the two carriers, offering average rates of $140 per month compared to $152 for Ohio Mutual. However, American Family won't necessarily be the cheapest carrier for every policyholder, since there are lots of different factors that come into play when it comes to your insurance cost.

Who is better, American Family or Ohio Mutual?

Unfortunately, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all boils down to your unique car insurance profile. For example, Ohio Mutual offers cheaper rates for drivers with an at-fault accident on their record, while American Family is more affordable for drivers who have less-than-stellar credit scores.

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

Insurance companies take a look at quite a few different variables when calculating the premiums they charge policyholders. Factors such as your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both American Family and Ohio Mutual calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be American Family or Ohio 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.