Compare American Family vs. Foremost Signature: Quotes, Discounts (2023)

American Family vs. Foremost Signature: A Summary

The best way to find the right auto insurance coverage for you at the lowest rate is to compare car insurance providers. With an average monthly quote of $128, Foremost Signature has established a name as an insurance group for high-risk drivers. American Family typically offers lower rates, but is it the right fit for you? Read this insurance review to find out.

ICS Score Explanation:

The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

American Family

American Family offers a variety of coverage options, from basic liability insurance to more rare policies like accidental death and dismemberment. With solid financial strength ratings, various discounts, and a mobile app, it’s a great choice for drivers looking for low rates.

Foremost Signature

Foremost Signature charges most drivers high insurance premiums but offers its policyholders various perks, such as 24/7 claims-handling service and roadside assistance, an online portal where they can manage their account and make policy changes, and a network of trusted repair shops through its CARE program.

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American Family is a great option for families with teens and young drivers. It offers a variety of discounts that young drivers can qualify for, such as good student and young volunteer, as well as a discount on your policy when your student is away at school. Its TeenSafeDriver program can help families with teens get a discount while promoting safe driving habits.

Compare American Family vs. Foremost Signature: Which Is Cheaper?

Overall, American Family offers significantly cheaper rates than Foremost Signature. On average, you can expect to save $69 per month, or $828 per year, by getting an auto policy with AmFam. Some driver groups, such as teenage drivers, can save $189 per month, or $2,268 per year, with AmFam vs. Foremost Signature.

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Drivers with a DUI can find surprisingly low auto insurance rates with Foremost Signature when compared with its rates for other groups of drivers. Foremost Signature drivers can expect their premiums to increase by only $18 per month if they have a DUI on their record, while American Family quotes go up by $37 per month. Overall, AmFam still offers lower rates to DUI drivers.

Compare American Family vs. Foremost Signature Car Insurance by Age

American Family offers cheaper rates than Foremost insurance company to drivers of all ages. For some age groups, the difference in monthly rates is quite large. For example, teens can expect to pay $156 per month with American Family and $345 per month with Foremost Signature, $189 higher. This monthly difference amounts to $2,268 annually.

Drivers in their 50s have the smallest difference between AmFam and Foremost Signature rates. On average, they can expect to pay $50 per month with American Family and $109 per month with Foremost Signature, $59 more. Drivers in their 40s and 50s can typically expect similar rates, albeit a bit higher.

Compare American Family vs. Foremost Signature Car Insurance by Gender

Statistically, men can expect to pay slightly more for their car insurance policies than women. Some insurance providers assume that men are more prone to high-risk driving behaviors, such as speeding, and charge them higher insurance premiums. On average, men can expect to pay $6 more per month with AmFam and $2 more per month with Foremost Signature.

California, Hawaii, Massachusetts, Maine, Michigan, Montana, North Carolina, and Pennsylvania do not allow providers to take gender into consideration when calculating the cost of insurance services. If you live in one of these states, your gender will not play a role in your car insurance quote.

Which is cheapest for men?

On average, men pay $67 per month, or $804 per year, more with Foremost Signature. American Family drivers can expect monthly premiums of $62, while Foremost Signature drivers typically pay $129 per month for their auto insurance policy.

Which is cheapest for women?

Women can expect to pay $56 per month with American Family and $127 per month with Foremost Signature, $71 more.

Compare American Family vs. Foremost Signature Car Insurance by Mileage

Insurify data shows that drivers with very low annual mileage—less than 5,000 miles per year—pay slightly lower car insurance rates, approximately $12 less per year than drivers with higher mileage.

Foremost Signature drivers who travel less than 5,000 miles per year can expect to pay $24 less per year for their auto insurance policy than drivers with higher mileage. American Family low-mileage drivers can expect to pay similar rates as high-mileage drivers.

Which is cheapest for drivers with high mileage?

On average, high-mileage drivers pay $56 per month with American Family and $127 per month with Foremost Signature, $71 more. Qualifying for auto insurance discounts that AmFam and Foremost Signature offer, such as multi-vehicle and multi-policy, can help you lower your car insurance rates.

Which is cheapest for drivers with low mileage?

Drivers who cover 10,000 miles annually pay the same car insurance rates as high-mileage drivers with both American Family and Foremost Signature, $56 and $127 per month respectively. Drivers who cover less than 5,000 miles per year pay $57 per month with AmFam and $125 per month with Foremost Signature, $68 more.

Compare American Family vs. Foremost Signature Car Insurance by Credit Score

In some states, car insurance companies can take your credit history into account when calculating your auto insurance quote. Drivers with excellent and good credit scores can expect the best rates with both American Family and Foremost Signature, but American Family offers cheaper rates to all drivers overall.

On average, drivers with a poor credit score pay $41 more per month than drivers with an excellent credit score with American Family and $59 more per month with Foremost Signature. California, Hawaii, Massachusetts, and Michigan do not let insurance companies use your credit score when calculating your quote.

Which is cheapest for good credit?

Drivers with an excellent credit score pay the lowest rates, $45 per month with American Family and $103 per month with Foremost Signature. Drivers with a good credit score pay slightly more, $52 per month with American Family and $121 per month with Foremost Signature.

Which is cheapest for bad credit?

Drivers with an average credit score pay slightly higher rates than drivers with good credit. On average, they can expect to spend $57 per month on their auto insurance policy with American Family and $125 per month with Foremost Signature. Drivers with poor credit pay the highest monthly rates, $86 with AmFam and $162 with Foremost Signature.

Compare American Family vs. Foremost Signature Car Insurance by Driving Record

Drivers with a speeding ticket, an at-fault accident, or a DUI on their record pay significantly higher rates than good drivers with a clean record. Typically, you need to have maintained a clean driving record for at least five years to qualify for good driver rates, but it varies from provider to provider.

American Family drivers with an accident or a DUI on their record can expect to pay over $35 per month more than good drivers. Foremost Signature drivers with an accident on their record can expect a whopping increase of $105 per month compared to good drivers, but a DUI only raises an average Foremost quote by $18 per month.

Which is cheapest for good drivers?

On average, good drivers pay $57 per month with American Family and $125 per month with Foremost Signature Insurance Co., $68 more. Your real quote may be higher or lower, depending on other factors, such as your age and the type of insurance coverage you’re looking for.

Which is cheapest after a speeding ticket?

If you have a speeding ticket on your record, you can expect to pay $77 per month with American Family and $157 per month with Foremost Signature, $80 more. This monthly difference amounts to $960 more per year that you’d spend on Foremost Signature insurance.

Which is cheapest after an accident?

An accident on your driving record has a significant impact on your Foremost Signature auto policy rates, raising your quote to a whopping $230 per month, or $2,760 per year. American Family drivers can expect significantly lower rates, $95 per month, or $1,140 per year, on average.

Which is cheapest after a DUI?

Drivers with a DUI pay $94 per month with American Family and $143 per month with Foremost Signature, $49 more. Foremost Signature offers surprisingly low rates for drivers with a DUI compared to their average rates for other driver groups.

American Family vs. Foremost Signature Car Insurance: What discounts does each offer?

American Family Discounts

• Multi-vehicle

• Loyalty

• Early bird

• Multi-product (when you bundle your car insurance policy with other insurance products, such as homeowners insurance or life insurance)

• Steer Into Savings (when you switch to American Family from one of their competitors, exact terms depend on your state)

• Auto safety features (such as factory-installed airbags)

• Defensive driver

• Good driving (safe driver)

• Low mileage

• KnowYourDrive (safe driver program)

• Good student

• Teen Safe Driver (safe driver program for teenage drivers)

• Student away at school

• Young volunteer

• Generational (family)

• Automatic pay

• Customer full pay

• Paperless

Foremost Signature Discounts

• Passive restraint

• Good student

• Good driver

• Anti-theft

• Student away at school

• Professional organization

• Multiple policy (for example, if you bundle your car insurance policy with renters or home insurance)

• Defensive driver

• Antilock brakes

• Deductible

• Loyalty

• Multi-vehicle

• Claims-free renewal

• Accident forgiveness

• Driving habits

• E-billing

• Prepay

• Roadside assistance

• Seat belt use

• Early quote

• Homeowner

• Accident-free

• Youth driving

• Driving training

• Online quote

• Signing documents when you buy online

• Paid in full

• Advance shopper

• Affinity group

• Paperless

• Preferred payment

• Alumni

Our Methodology and How We Compared American Family and Foremost Signature

The car insurance quotes provided in Insurify’s insurance company comparison guides are based on the analysis of over 50 thousand insurance quotes from 500 ZIP codes nationwide. Insurify’s data science team performs a comprehensive analysis of factors car insurance providers weigh to calculate rates, including driver demographics, driving record, credit score, desired coverage level, and more to give representative samples.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating calculated by weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers a window into how insurance providers compare to one another in terms of both cost and quality.

Frequently Asked Questions