Purchasing auto insurance requires a lot of careful research and planning to make sure you’re getting the right coverage and the best customer service. If you are thinking about buying a car insurance policy through American Family, we are here to help. We combined American Family insurance reviews, as well as data about coverage, customer service, locations, and pricing.
We found that American Family car insurance is a good option for parents with teenagers who are starting to drive. It’s also ideal for people who are interested in bundling multiple policies, such as homeowners and auto insurance.
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
In this article:
- American Family Overview
- American Family Insurance Coverage
- American Family Insurance Cost And Discounts
- American Family Insurance Reviews
- American Family Apps And Technology
- Our Take On American Family Insurance: 4.0 Stars
- Top Recommendations For Auto Insurance
- FAQ: American Family Insurance
American Family Overview
American Family, also known as AmFam, has been in business for over 90 years and is headquartered in Madison, WI. The company was founded in 1927 under the name Farmers Mutual Automobile Insurance Company. Then, in 1963, there was a permanent name switch to American Family Mutual Insurance Co.
As a company, American Family is known for its devotion to the community and participation in programs that support the environment, according to American Family insurance reviews from customers. The insurance provider also offers grants to support nonprofit organizations. Brand ambassadors JJ Watt and Derek Jeter act as spokesmen for American Family's mission to support customers through comprehensive insurance policies.
American Family Insurance Coverage
American Family auto insurance policies can include the six standard types of car insurance:
- Bodily injury liability insurance
- Personal property damage liability insurance
- Comprehensive car insurance
- Collision insurance
- Uninsured/underinsured motorist insurance
- Medical payments coverage
- Personal injury protection
American Family also offers additional auto insurance coverage options including rental car reimbursement, rideshare insurance, emergency roadside assistance and towing, gap insurance, and accidental death and dismemberment coverage.
American Family State Availability
You can find American Family auto insurance primarily in the central and northwestern regions of the U.S. The following states have limited locations:
Note that every state has a different minimum requirement for car insurance coverage. American Family has a helpful online tool that lets you choose your state to get some guidance on how much coverage your state requires. That way, you can more easily find the right coverage for your car.
American Family Insurance Cost And Discounts
American Family is known for having low insurance rates. However, your insurance premium can vary based on a number of factors, including:
- Your age, gender, and marital status
- Driving history
- Credit score
Drivers who purchase insurance coverage through American Family typically pay around $1,432 annually for comprehensive coverage, which is below the national average of $1,732.
The table below shows auto insurance cost estimates in states where American Family provides coverage for drivers. The estimates are for a 35-year-old driver with a clean driving record and good credit. Keep in mind that these are just estimates and your own rates will vary.
|State||American Family Annual Cost Estimate||Average Annual Cost Estimate|
Our cost research shows that American Family has some of the lowest auto insurance rates in the industry for high-risk drivers and drivers with recent DUIs.
Cheapest Car Insurance Estimates for Drivers with a Recent DUI
|Car Insurance Company||Annual Cost Estimates|
Cheapest Car Insurance Estimate for High-Risk Drivers
|Car Insurance Company||Annual Cost Estimates|
Common American Family Discounts
American Family offers a lot of discounts for both individuals and families:
|AmFam Discount||Eligibility Details|
|Auto Safety Equipment||Save money if your car possesses safety features like factory-installed airbags.|
|Auto-pay||Save money by enrolling in automatic funds transfer (AFT) or electronic recurring payments.|
|Away at School||Save money if your child is a student under the age of 25 and more than 100 miles away, while their car remains at home.|
|Loyalty||Save money depending on how long you have been an American Family customer.|
|Defensive Driver||Save money if you are 55 years or older and have completed an approved defensive driving course.|
|Early-Bird||Save money by switching from another carrier and receive a quote from American Family at least even days before the policy goes into effect.|
|Full-pay||Save money by paying your policy in full at the time of purchase.|
|Generational||Save money if at least one of your parents is an American Family policyholder.|
|Good Driver||Save money by staying free of accidents, violations, and claims.|
|Good Student||Save money if your student receives high grades.|
|Low Mileage||Save money by driving less than 7,500 miles per year.|
|Multi-Product||Save money by bundling multiple insurance products through American Family.|
|Multi-Vehicle||Save money by insuring multiple cars or trucks through American Family.|
|Paperless||Save money by enrolling in online billing and e-delivery of policy documents.|
|Steer into Savings||Save money if you switch to American Family from a competitor.|
|Young Volunteer||Save money if you are under the age of 25 years and complete at least 40 hours of volunteer work per year with a certified non-profit.|
American Family also offers app-based programs for safe drivers. The KnowYourDrive program includes an app that will keep track of your driving habits. When you sign up for this program, you earn a five-percent discount on your premium automatically. You can earn up to 40 percent off depending on how safely you drive.
There is also a Teen Safe Driver discount. An app will score each trip that teen drivers take. Teens can qualify for a 10-percent discount after 3,000 miles or one year of safe driving with this program.
American Family Insurance Reviews
American Family auto insurance has a fairly good reputation overall. The company is not accredited by the Better Business Bureau (BBB), but it does have an ‘A’ rating on the site.
Across the internet, insurance customers comment on issues with the claims process and getting the help and support they need from an insurance company. Many complain American Family’s claims agents do not respond in a timely manner. Still, others have great experiences with their reps and continue working with American Family for years.
Positive American Family Insurance Review
“I have had American Family Insurance for the last 35-plus years. I have been pleased with the local offices and the [claims] department service when I needed it a few times for minor [incidents]. I would recommend this company to anyone.”
- James S. via BBB
Negative American Family Insurance Review
“This company is very unprofessional and treated me with nothing but negativity! They cheated me out of money that was owed to me from an accident that was clearly their insurer’s fault. I am in the hole for wages due to their negligence [and] refusal to pay! I wish that I could give them no stars!”
- Chaunte P. via BBB
American Family Apps And Technology
American Family has made it simple to manage your account and insurance claims. You can log in to your account on the website or download apps on your smartphone. Of the three mobile apps, the MyAmFam app is the main one you need. It lets you manage your American Family auto insurance account, file claims, submit photos of damage from accidents, and more.
American Family also has the Teen Safe Driver and the KnowYourDrive app, both of which are used to monitor driving habits for those interested in the discounts mentioned above.
Our Take On American Family Insurance: 4.0 Stars
After careful research, we have given American Family auto insurance an overall rating of 4.0 out of 5.0 stars. The company is a great provider in terms of coverage and technology, but American Family insurance reviews are average or lower-than-average depending on your location.
American Family is limited to a service area of only 19 states around the country. It may be a good option for you if you live near one of the locations, have a teenage driver in your family, or are looking to bundle multiple policies.
|AmFam Pros||AmFam Cons|
|Ideal for young drivers or people who want to bundle multiple policies||Limited locations|
|Known for low rates||Negative reviews about the claims process|
|Several discounts available|
|MyAmFam app helps you manage your account|
Top Recommendations For Auto Insurance
To help you find the best auto insurance, we reviewed the top car insurance companies in the industry. It can be helpful to get car insurance quotes from more than one provider and discover what your full range of options are.
The easy tool below allows you to compare the best options personalized to you. You can also call our team at (844) 246-8209 for free quotes.
Geico: 4.5 Stars
After our extensive research, we gave Geico auto insurance a 4.5-star overall rating. The company has a great reputation for helping customers save money. It has standard coverage as well as additional options like roadside assistance and rental car reimbursement. Geico recently received an A++ rating from AM Best, so you can trust the provider’s financial standing.
Read more in our full review of Geico insurance.
Progressive: 4.5 Stars
Progressive car insurance earned a 4.5-star rating in our review. The well-known provider has lots of policy options, including add-ons like roadside assistance and gap insurance. You can find great discounts for students, safe drivers, military, and more to help you lower your monthly premium. We also like Progressive’s Name Your PriceⓇ tool because you can build a policy around your budget.
Read more in our full review of Progressive insurance.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.