American Family Auto Insurance Review (2024)

What You Should Know About American Family Insurance

As you search for the best car insurance company in your area, you may want to consider American Family auto insurance. American Family offers multiple options for car insurance coverage, and the company also provides opportunities for discounts to help lower monthly or annual auto insurance rates.

American Family auto insurance rates are competitive, and the company often offers cheaper rates than many other top-rated car insurance providers. However, auto insurance with American Family (AmFam) is not available in every state, so check with a representative to learn more about the options for coverage in your area.

Does American Family have good ratings and reviews?

Is American Family Insurance good? American Family has an A (Excellent) financial strength rating and a stable outlook with A.M. Best. Additionally, the company garners an A rating with the Better Business Bureau (BBB). However, while the company’s professional ratings are high, American Family Insurance company reviews by customers suggest the company has room for improvement.

Many reviews state that the American Family insurance claims process is not as straightforward as it should be. In addition, policyholders often say that American Family Insurance’s customer service is not always helpful.

Policyholders should be able to call the American Family Insurance claims phone number to file a claim or check the status of a claim. But some clients find that reaching the claims department does not always mean they will get the help they need.

For American Family customers, the biggest complaints are that claims took too long to be paid out or were denied when they should have been approved. The company has a higher-than-average number of customer complaints based on the overall claims process.

While AmFam offers competitive car insurance rates, you should consider the company’s reviews before purchasing a policy.

What are the pros and cons of a car insurance policy with American Family?

All insurance companies have benefits and drawbacks. These are some of the benefits of a car insurance policy with American Family:

• • Lower-than-average rates in your area

• • Lower-than-average rates based on your driving record

• • A variety of discounts

• • Multiple coverage options

But there may be some downsides to an auto insurance policy with AmFam. Some of these cons may include the following:

• • Poor customer service reviews

• • Poor reviews for handling claims

• • Lack of availability in certain states

Before making a final decision on car insurance coverage, be sure to consider everything. It’s also a good idea to find and compare American Family insurance quotes to multiple providers to ensure you get the best rates on the coverage you need.

American Family Insurance Coverage Options

American Family offers several different options for car insurance, including the following:

• Collision auto insurance coverage
• Comprehensive auto insurance coverage
• Property damage liability coverage
• Bodily injury liability coverage
• Medical expense coverage
• Personal injury protection coverage
• GAP coverage
• Uninsured motorist protection coverage
• Underinsured motorist protection coverage
• Rental car reimbursement coverage
• Emergency road service coverage
• Accidental death and dismemberment coverage

You might also be interested in American Family motorcycle insurance, which provides full coverage and motorcycle gear protection.

If you live in a state where AmFam offers auto insurance coverage, you can find the coverage required by your state’s minimum liability laws. You can also purchase an American Family Insurance full coverage policy for, added protection.

Below are the states where American Family is offered and the average rates for each state.

If you live in one of these states, American Family insurance options for auto coverage include gap insurance, which helps ensure you will not end up upside down on a car loan if your vehicle is damaged or totaled.

American Family auto insurance allows policyholders to customize their policies and choose the coverage that will help them feel safe and secure on the road.

If you’re interested in American Family car insurance but are curious about how much you would pay for coverage, you can get a quote from the AmFam insurance website. An American Family auto quote can help you see what your rates would be based on your unique situation.

How to File American Family Insurance Claims

You can reach an agent through the American Family insurance claims number at 1-800-MYAMFAM. Before you call, make sure you have all the relevant information, such as the date, time, and location of the incident, as well as any other involved parties’ contact details.

If you choose to file online or via a mobile app, expect an adjuster to reach out to you over the phone to discuss the details of your claim. Be prepared to provide a detailed account of the incident and any supporting documentation, such as photos or police reports, to expedite the claims process.

There are very few American Family Insurance claims complaints. AmFam is among the top ten companies for claims satisfaction, and policyholders report fast response times and helpful agents.

How to Cancel American Family Insurance

The most convenient way to cancel an AmFam insurance policy is to contact a company agent. The American Family website has a tool policyholders can use to locate and contact an agent near them.

Policyholders can also call the American Family Insurance customer service center to learn more about how to cancel a policy and explore options that could make a policy more appealing or affordable.

American Family Insurance Discounts Available

American Family offers auto insurance discounts to policyholders to help them save even more on coverage. Some of the company’s discounts include the following:

• Multi-vehicle
• Loyalty
• Early bird
• Multi-product
• Steer into savings
• Auto safety equipment
• Defensive driver
• Good driving
• Low mileage
• KnowYourDrive
• Good student
• TeenSafeDriver
• Away at school
• Young volunteer
• Generational
• Autopay
• Customer full pay
• Paperless

Some of AmFam’s discount options could help you save as much as 20% on your car insurance premium. You can contact a company representative to learn more about the discount options and learn whether you’re eligible for savings.

What is AmFam’s KnowYourDrive program?

KnowYourDrive with American Family is a usage-based auto insurance option that offers customers the potential to save on their insurance rates based on their driving habits.

With KnowYourDrive, policyholders use a smartphone app that monitors different driving behaviors to assess how safe you are behind the wheel. Some behaviors that American Family monitors include vehicle usage, braking, acceleration, speed, the time of day you typically drive, and any distracted driving habits.

American Family states on its website that it will honor drivers’ privacy with the KnowYourDrive app by never sharing personal information unless the company is required to by law. Additionally, while some usage-based options allow policyholders’ rates to increase based on their driving behavior, American Family states its customers’ rates will never go up. Read American Family KnowYourDrive review to learn more about this program.

American Family Auto Insurance: The Bottom Line

American Family offers several different options for car insurance. If you’re looking for a new policy, you may find that rates with American Family are lower than rates with other top providers in your area.

Customer reviews suggest AmFam may need to improve its customer service and claims handling process. Take this into account before committing to an insurance policy with American Family.