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

Want to know if American Family or Rurual Mutual is the better choice for insurance? You're probably wondering which carrier offers the best prices or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, American Family offers cheaper rates than Rurual Mutual
  • American Family has less expensive premiums for policyholders who live in urban areas
  • Rurual Mutual offers more affordable average rates for policyholders whose driving record contains an at-fault collision


American Family or Rurual Mutual: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to American Family or Rurual Mutual, but between the two, which company will save you the most?

American Family Rurual Mutual
$140$167

Looking at the national average rates for both carriers, American Family has average rates that are around 16% a month cheaper than those from Rurual Mutual.

Even so, that doesn't necessarily mean American Family will be the less expensive option for every driver. Auto insurance companies vary their premiums depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and a ton of other factors, so prices will vary quite a bit from person to person.

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

American Family vs. Rurual Mutual: Average Car Insurance Rates by State

State American Family Rurual Mutual
WI$109$167

American Family and Rurual Mutual only compete against each other in Wisconsin, where American Family offers the cheaper average prices. American Family drivers tend to pay about $58 per month less on average compared to drivers who use Rurual Mutual for their car insurance.

That being said, there's a lot more that goes into your auto insurance payment than just where you live. Read on to find out more.


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Which is the Best Company For Young Drivers?

American Family Rurual Mutual
18-year-old drivers$311$336
25-year-old drivers$121$144

Teen drivers will almost always have the most expensive insurance premiums of any group on the road. It's normally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. Just look at the table above -- where 18-year-old drivers who have American Family for their car insurance pay 7% less than those who use Rurual Mutual. It's worth noting that American Family offers insurance in 16 different states compared to Rurual Mutual's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower premiums by the time you turn 25. Rurual 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 rates at $121 per month.

Which is the Best Company for Retired Drivers?

American Family Rurual Mutual
65+-year-old drivers$107$135

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums out there.

But who has the best prices for retired drivers between American Family and Rurual Mutual? American Family gets the edge, with premiums for drivers 65 and older over 20% more affordable than the national average for Rurual Mutual.

Which is the Best Company for Married Drivers?

American Family Rurual Mutual
Single$166$189
Married$106$138

Single drivers tend to get offered slightly more expensive insurance rates than married drivers. This usually boils down to married couples having more than one vehicle on their policy -- something several auto insurance companies will reward with discounts.

For single policyholders, the difference in average prices between these two carriers is significant, with American Family rates coming in at about 10% less than Rurual Mutual's. The advantage is also clear for married policyholders - American Family offers the lowest average prices.

American Family or Rurual Mutual: Average Rates by Gender

American Family Rurual Mutual
Male$143$173
Female$138$162

Men tend to pay more for insurance than women. That's because men are more likely to get into collisions and get speeding tickets, which increases the chances of filing a claim with insurance.

With American Family, women typically pay around 3% a month less than men, but with Rurual Mutual, the difference is closer to 6% per month.

When it comes to the most affordable premiums for each gender, American Family comes out on top for both men and women, with average prices 17% less for men and 15% cheaper for women.


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

American Family Rurual Mutual
State Minimum*$96$67
Full Coverage**$185$267

*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.

It's no secret that car insurance can be pretty complicated. There are many different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

But most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

When it comes to state minimum liability limits, Rurual Mutual has the edge, while American Family offers the cheapest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $30 with Rurual Mutual Insurance, while full coverage comes out to be about $80 cheaper with American Family Insurance.

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

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two companies offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

American Family Rurual Mutual
Clean Record$118$117
1 Speeding Ticket$147$127

Drivers who use American Family for their insurance can usually expect their monthly bill to go up around 20% after getting a speeding ticket. Rurual Mutual policyholders can expect a less drastic increase of about 8%.

That being said, Rurual Mutual is generally the more affordable option for drivers both with a ticket and with a clean record, offering prices that are $1 and $20 less expensive, respectively, compared to American Family Insurance.

Which Company is Best for Drivers After an Accident?

American Family Rurual Mutual
Clean Record$118$117
1 At-Fault Accident$138$136

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with American Family increasing by around 14%. Rurual Mutual has a less extreme increase, but you can still expect to pay nearly 15% more than you were prior to your first collision.

At the end of the day, the more affordable rates come from Rurual Mutual, with average prices coming in at $136 compared to American Family Insurance's $138.

Which Company is Best for Drivers with a DUI?

American Family Rurual Mutual
Clean Record$118$117
1 DUI$158$288

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. On average, Rurual Mutual will climb your rates about 59% after a DUI, while American Family's average premiums increase by more than 25%.

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


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

Often times, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for lots of policyholders.

The reasoning auto insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with cheaper premiums.

Looking specifically at American Family and Rurual Mutual, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

American Family Rurual Mutual
Excellent Credit Score$100$124
Good Credit Score$120$140

If you have great credit, American Family will normally reward you the most. For drivers with "excellent" credit scores, American Family comes in just under 19.35 less expensive. Drivers with "good" credit scores generally save around 14% with American Family compared to average rates from Rurual Mutual.

Which Company is Best for Drivers with Bad Credit?

American Family Rurual Mutual
Fair Credit Score$141$178
Poor Credit Score$201$227

American Family typically offers lower prices than Rurual Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 21% a month less with American Family compared to Rurual Mutual, and those with "poor" scores typically save an average of around 11% monthly.


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

American Family Rurual Mutual
6,000 Annual Miles$138$167
12,000 Annual Miles$143$167

How much you drive can have a pretty big impact on your monthly premiums. Usually, those who drive less will end up with cheaper rates since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Rurual Mutual charges. However, there's a small difference in monthly prices for American Family, with drivers who put 6,000 miles on their car yearly paying about $5 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, American Family is the less expensive carrier.

American Family or Rurual Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a large impact on your monthly car insurance bill. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

American Family Rurual Mutual
Urban Areas$166$211
Suburban Areas$134$132
Rural Areas$121$158

Looking at these companies side-by-side, American Family typically comes out as the more affordable option for drivers in rural and urban areas, while Rurual Mutual wins in suburban areas.

For policyholders in urban ZIP codes, American Family Insurance's average premiums are around 21% less than Rurual Mutual Insurance. People who live in suburban areas pay about 1% less with Rurual Mutual compared to American Family. Those in rural areas can expect to save around 23% with American Family compared to Rurual Mutual.

American Family vs. Rurual Mutual Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many auto insurance discounts as possible.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts American Family and Rurual Mutual offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

American Family Rurual Mutual
Advance Quote Discount 
Anti-Theft Discount 
Claim Free Discount 
Connect Partner Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount
DRL Discount 
EFT Discount 
ESC Discount 
Generational Discount 
Good Student Discount
Group Discount
Homeowner Discount 
Multi-Car Discount 
Multi-Policy Discount
Paid In Full Discount
Paperless Discount 
Renewal Discount 
Steer into Savings Discount 

American Family knocks Rurual Mutual out of the park when it comes to the sheer number of discounts available, offering 15 more discounts than Rurual Mutual.

There are a couple discounts both carriers offer, but American Family also offers discounts for advance quote, anti-theft, connect partner, and more.

On the other hand, Rurual Mutual has a proprietary discount of their own -- a claim free discounts.


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

So, you've seen how different variables can affect your car insurance rates. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which company is the right company for you and your specific needs?

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

  • You have below-average credit.
  • You care about discounts (American Family offers the most).
  • You have a short drive to work everyday.


Rurual Mutual might be best for you if...

  • You're looking for the best rates in WI.
  • You have an at-fault accident on your record.
  • Your home is located in the suburbs.

Hopefully, this guide helps you get a better idea of the difference between American Family and Rurual Mutual and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just American Family and Rurual Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.


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American Family vs. Rurual Mutual FAQs

Is American Family or Rurual Mutual cheaper?

American Family is the less expensive of the two companies when looking at national average premiums, with policies averaging $140 per month with American Family and $167 for Rurual Mutual. But that doesn't mean American Family will be the lowest carrier for everyone, since there are several different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, American Family or Rurual Mutual?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for each policyholder -- it all boils down to your unique insurance profile. For example, American Family is cheaper for drivers who have less-than-stellar credit scores, while Rurual Mutual offers more affordable prices for drivers with an at-fault collision on their record.

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

Auto insurance carriers use many different variables when determining the premiums they charge. Things like age, gender, where your home is, your driving record, and sometimes even things like your credit score can all come into play. Both American Family and Rurual Mutual calculate rates using different factors, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't American Family or Rurual Mutual at all, but another you hadn't even thought of!


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.

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