Find out more about your options for car insurance with American Family.

 
 

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.

Use our tool above or call our team at (844) 246-8209 to start comparing personalized car insurance quotes.

 

In this article:

 


 

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:

Arizona

Indiana

Nebraska

South Dakota

Colorado

Iowa

Nevada

Utah

Georgia

Kansas

North Dakota

Washington

Idaho

Minnesota

Ohio

Wisconsin

Illinois

Montana

Oregon

 
 

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 rates for insurance coverage. However, insurance rates vary based on a number of factors, including:

  • Your age
  • How long you’ve been driving
  • Driving history, including recent accidents and tickets
  • Marital status
  • Zipcode
  • Credit score
  • Type of car you drive
  • And more

American Family auto insurance can be purchased annually, every six months, or monthly.

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

Geico Insurance logo

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 Insurance logo

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.

 

 


 

FAQ: American Family Insurance

Does American Family Insurance cover car rentals?

Yes, American Family auto insurance policies can include rental reimbursement coverage. This optional coverage can help you while your car is being serviced after a covered incident. Be sure to speak with your AmFam car insurance agent if you would like to add this coverage to your auto policy.

What insurance products does American Family Insurance offer?

Vehicle Insurance Property And Business Added Protection
Car Insurance Homeowners Insurance Life Insurance
Motorcycle Insurance Renters Insurance Umbrella Insurance
RV and Camper Insurance Condo Insurance Identity Theft Insurance
Boat Insurance Manufactured Insurance Credit Insurance
ATV Insurance Farm and Ranch Insurance Health Insurance
Snowmobile Insurance Business Insurance Travel Insurance
Classic Car Insurance Landlord Insurance  
 

What states is American Family Insurance in?

American Family Insurance has limited locations in 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Montana, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

Does American Family have health insurance?

No, American Family does not offer health insurance directly. The company will point you to its partners for health insurance policies. These products are underwritten by Illinois Mutual Life Company, Aetna Senior Supplemental, National Health Insurance Company, Time Insurance Company, Sanford Health, and MetLife Insurance Company.

Which is better, State Farm or American Family?

Both State Farm and American Family offer many benefits to drivers when it comes to affordability, local customer service, and discounts. American Family only serves 19 states in the country, while State Farm is more accessible in 48 states.

Although State Farm advertises nationwide availability, the company is no longer accepting new customers in Massachusetts or Rhode Island.

What is American Family Insurance’s AM Best rating?

American Family Insurance has an A rating (Excellent) from AM Best. In 2018, it was confirmed that AmFam had excellent financial strength.

 

 


 

Methodology

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.

 

 

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