American Family Auto Insurance Review (2024)

American Family Insurance offers numerous coverage options and discounts on auto insurance. The company has an A rating from A.M. Best, but there have been customer complaints about the claims process.

UPDATED: Feb 26, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 26, 2024Fact Checked
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American Family Insurance

Average monthly rate for good drivers:

$116

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Lower-than-average rates in your area
  • Lower-than-average rates based on your driving record
  • A variety of discounts
  • Multiple coverage options

Cons

  • Poor customer service reviews
  • Poor reviews for handling claims
  • Lack of availability in certain states

Final Verdict: Review of American Family Insurance

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.

[su_box title="Things to Remember" style="default”]
  • American Family offers different types of car insurance coverage and options for discounts on policies
  • American Family auto insurance is not available in every state
  • The company received an A (Excellent) rating with A.M. Best
[/su_box] 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.

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?

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.

How can I cancel an American Family insurance policy?

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 Coverage Options

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

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 a 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. A quote for auto insurance coverage can help you see what your rates would be based on your unique situation.

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American Family Insurance Rates Breakdown

Your American Family insurance payment will depend on several different factors. Insurance companies assess policyholders’ risk to determine how much they will have to pay for coverage. Here are some of the most common factors that affect auto insurance rates:

  • Age
  • Gender
  • Marital status
  • Credit score
  • Driving history
  • ZIP code
  • Car make and model
  • Coverage type

American Family tends to offer rates for coverage that are lower than most other well-known competitors. For example, the company often provides lower-than-average rates for people with DUIs, individuals with poor credit, teen drivers, and others who may be considered high-risk drivers.

And AmFam rates for a liability-only policy are over $100 less per year than the national average. Teen drivers can pay rates up to 21% lower than the national average with AmFam.

American Family’s rates for young adult drivers are typically around 4% lower than the national average.

Auto Insurance Average Rates for Parent and Teen Drivers by Provider

Insurance Company Monthly Rates for Teen Drivers Monthly Rates for Parents with Teen Driver
Allstate $638 $538
American Family $509 $180
Farmers $773 $315
Geico $312 $304
Liberty Mutual $785 $255
Nationwide $476 $259
Progressive $814 $375
State Farm $349 $218
Travelers $910 $538
U.S. Average $618 $271

AmFam auto insurance rates for adult drivers are nearly $200 less annually than the national average.

And senior drivers are anywhere from 5% to 7% lower than the national average, though they are higher than some competitors like USAA.

Full Coverage Auto Insurance Monthly Rates for Senior Drivers by Age & Gender

Insurance Company 55-Year-Old Male 55-Year-Old Female 60-Year-Old Male 60-Year-Old Female 65-Year-Old Male 65-Year-Old Female
AAA $81 $83 $77 $76 $84 $86
Allstate $152 $153 $154 $150 $157 $158
American Family $111 $109 $105 $104 $114 $113
Farmers $131 $132 $128 $120 $136 $136
Geico $76 $76 $74 $73 $78 $78
Hartford $107 $109 $103 $101 $109 $112
Liberty Mutual $165 $162 $159 $148 $170 $167
Nationwide $109 $107 $104 $99 $112 $111
Progressive $100 $106 $95 $92 $103 $109
State Farm $82 $82 $76 $76 $84 $84
Travelers $94 $93 $90 $89 $97 $96
U.S. Average $113 $113 $110 $106 $117 $117

Auto insurance rates for individuals who have received a speeding ticket are around 16% (or $300 annually) lower than the national average.

Full Coverage Auto Insurance Monthly Rates: One Ticket vs. Clean Record

Insurance Company One Ticket Clean Record
AAA $108 $180
Allstate $188 $166
American Family $136 $116
Farmers $173 $140
Geico $106 $95
Hartford $136 $175
Liberty Mutual $212 $177
Nationwide $137 $140
Progressive $140 $120
State Farm $96 $105
Travelers $134 $160
U.S. Average $147 $123

Rates following a car accident are nearly $500 cheaper than the national average with AmFam.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

Insurance Company One Accident Clean Record
AAA $220 $180
Allstate $225 $166
American Family $176 $116
Farmers $198 $140
Geico $132 $95
Hartford $230 $175
Liberty Mutual $234 $177
Nationwide $161 $140
Progressive $186 $120
State Farm $150 $105
Travelers $200 $160
U.S. Average $172 $123

And rates after a DUI conviction are as much as 33% lower than the national average, which is great for most high-risk drivers.

Full Coverage Auto Insurance Monthly Rates by Driving Record

Insurance Company One Accident One DUI One Ticket Clean Record
AAA $220 $240 $220 $180
Allstate $225 $225 $195 $166
American Family $176 $176 $131 $116
Farmers $198 $198 $176 $140
Geico $132 $132 $125 $95
Hartford $230 $250 $215 $175
Liberty Mutual $234 $234 $217 $177
Nationwide $161 $161 $175 $140
Progressive $186 $186 $160 $120
State Farm $150 $102 $138 $105
Travelers $200 $139 $205 $160
U.S. Average $172 $173 $152 $123

If you have poor credit, getting a policy with American Family could help you save around $520 per year on coverage.

Full Coverage Auto Insurance Monthly Rates by Credit Score

Insurance Company Poor Credit Fair Credit Good Credit
AAA $245 $165 $135
Allstate $296 $197 $166
American Family $203 $136 $116
Farmers $269 $161 $140
Geico $148 $100 $82
Hartford $230 $155 $120
Liberty Mutual $355 $226 $177
Nationwide $166 $133 $120
Progressive $206 $138 $109
State Farm $200 $118 $91
Travelers $194 $128 $107
U.S. Average $226 $148 $123

It can be helpful to see and compare average rates from different companies. Still, the best way to get affordable coverage is to compare car insurance quotes from multiple companies based on your personal information. Comparing quotes will help you know how much you can expect to pay for your coverage.

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How American Family Compares Against Other Auto Insurance Providers

Explore how American Family stacks up against other prominent auto insurance providers: Geico, Progressive, and State Farm. Discover key differences and make an informed decision for your insurance needs.

How American Family Compares Against Other Auto Insurance Providers
American Family vs. Geico
American Family vs. Progressive
American Family vs. State Farm

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.

Frequently Asked Questions

Can I cancel an AmFam policy online?

You have to call and speak with a company representative to cancel your American Family auto insurance policy.

Does American Family cover car rentals?

With rental reimbursement coverage, your car rental costs will be covered by American Family. Reimbursements also cover Ride-shares, taxis, buses, and commuter trains.

Does AmFam offer accident forgiveness?

If you’ve been accident-free for five or more years, you will qualify for accident forgiveness with AmFam and will avoid any rate increases after an at-fault accident.

Where can I buy American Family car insurance?

American Family auto insurance is available in 19 states, including:

  • Arizona
  • Colorado
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nebraska
  • Nevada
  • North Dakota
  • Ohio
  • Oregon
  • South Dakota
  • Utah
  • Washington
  • Wisconsin

Will AmFam car insurance pay for a car tow?

American Family will pay for a car tow if you have roadside assistance with the company.

Does AmFam offer GAP insurance?

GAP coverage is available with American Family, which is also referred to as auto loan or lease assistance coverage.

How much will AmFam auto insurance rates increase after an accident?

American Family insurance rates increase around 24% after an accident, though the exact amount a person’s auto insurance rates increase will depend on several factors. With accident forgiveness, a person’s rates will not increase, even after an at-fault accident.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for American Family Insurance

4.04 (2,180 reviews)
5
September 6, 2022

TammyNelson

Great auto insurance for Costco Members through Connect

I like working direct with insurance companies for simple coverage like auto insurance. They make it easy. They're professional and knowledgeable and fast. Great discounts for Costco members too.
5
January 15, 2021

Doggy

Awesome

Awesome, highly recommend using this company. Best I’ve ever dealt with thus far, great costumer service
4
January 14, 2021

flip2score7

am fam review

for the most part, there have been no issues in the years I have been on their insurance with family and then subsequently purchasing my own with them. however, they are sometimes slow to send things out.
2
October 15, 2020

timtone

Unexpected charges

They charged me a fee to use my card instead of a check what is this 1965? I left for a more 2020 provider esurance!
5
October 15, 2020

ely135

American Family tops any other insurance company

This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals a...
This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals actually received a quote that did not have at least one discount on it! When a company has amazing customer service and really cares about saving you money, it's hard to believe that the coverage you are provided could really be anything other than terrible. American Family strives to leave you flabbergasted. My auto insurance is everything I want/need, and I'm paying a premium that is $200 below what any and all other companies quoted me!
5
October 12, 2020

snoopyhugs18

When a 90-minute Meeting Saved Us $596!

Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we s...
Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we switched from our former insurer! The new policy was underwritten and ready for us to sign in less than 24 hours. American Family's online tools are easy and efficient to use, yet they look and feel secure. After a 6-year break from American Family because there was no local agent where we previously lived, I am so glad to be back!
5
October 2, 2020

DomMar35

Boss

American Family Insurance is an amazing company that acts quickly on claims and works to ensure customer satisfaction
5
October 2, 2020

ruthjahncoz

a bright point in a dark time

We were in a bad car crash. The other car was at fault, but we had car replacement coverage. We had the money to buy a new to us car in less than three weeks. We covered our new to us car with them. We had to talk to several departments during this time and everyone was helpful.
5
June 12, 2020

LillyM

Young but excited about Insurance!

I think they are good so far, I can't wait to get the decrease in insurance payment at the age of 25. Just 6 more years to go!
5
May 5, 2020

KatieM

My AMFAM experience

Good service always! very friendly, easy to work with, available to anser all my quesitions, very profesional .
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