American Family Auto Insurance Review (2022)

Is American Family Insurance a Good Choice?

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 Rates

How much is car insurance with American Family?

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 impact a person’s car 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.

Below is a table comparing AmFam to other top companies based on driving record.

In addition, the table below compares American Family rates for a full coverage policy with rates from other top-rated insurance companies.

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.

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.

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

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

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

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

American Family Insurance Discounts Available

Does American Family offer discounts on car insurance?

American Family offers 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 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.

American Family Insurance Coverage Options

What types of car insurance does American Family offer?

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

• Collision coverage
• Comprehensive 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 reimbursement coverage
• Emergency road service coverage
• Accidental death and dismemberment coverage

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.