American Family Auto Insurance Review (2024)
This American Family auto insurance review covers the numerous coverage options and discounts available with AmFam. Monthly rates average $116/mo and the company has an A rating from A.M. Best, but American Family reviews from customers report slow claim response times.
UPDATED: Apr 29, 2024
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.
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: Apr 29, 2024
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: Apr 29, 2024
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.
On This Page
UPDATED: Apr 29, 2024
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.
American Family Insurance
Average monthly rate for good drivers:
$116A.M. Best rating:
AComplaint level:
LowPros
- 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.
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 offers different types of car insurance coverage and options for discounts on policies
- Car insurance with American Family is not available in every state
- The company received an A (Excellent) rating with A.M. Best
American Family insurance 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.
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 keep reading this American Family auto insurance review to learn more about the options for coverage in your area.
- 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
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 (AmFam) insurance quotes are competitive, and the company often offers cheaper rates than many other top-rated car insurance providers. However, auto insurance with American Family is not available in every state.
Keep reading this American Family car insurance review to learn more about the options for coverage in your area. Scroll down for American Family insurance ratings and customer reviews, then compare AmFam insurance rates by state and driver.
American Family Insurance 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, American Family ratings 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.
Although there are few American Family claims complaints, some 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 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 American Family Insurance auto claims phone number 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 but still ranks in the top ten companies for claims satisfaction.
While AmFam offers competitive car insurance rates, you should consider reading multiple American Family insurance 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 for high-risk drivers
- A variety of discounts
- Multiple coverage options
American Family Insurance SR-22 filings are also a perk for those shopping for affordable high-risk auto insurance.
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
Along with vehicle coverage, individuals can buy other types of coverage, like an American Family Insurance business owners policy, farm coverage, life insurance, and more. You might also be interested in American Family motorcycle insurance, which provides full coverage and motorcycle gear protection.
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, but you can’t buy American Family Insurance in Florida.
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.
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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 impact a person’s car insurance rates:
- Age
- Gender
- Marital status
- Credit score
- Driving history
- ZIP code
- Car make and model
- Coverage type
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.
State | American Family |
---|---|
CO | $1,457 |
IA | $1,169 |
ID | $1,148 |
IL | $1,405 |
IN | $1,328 |
KS | $1,408 |
MN | $1,156 |
MO | $1,313 |
ND | $1,793 |
NE | $1,381 |
NV | $1,734 |
OH | $764 |
OR | $1,313 |
SD | $1,867 |
TX | $2,171 |
UT | $1,296 |
WA | $1,130 |
WI | $774 |
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.
Company | Teen Only | Teen Added |
---|---|---|
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.
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 |
---|---|---|---|---|---|---|
Allstate | $152 | $153 | $154 | $150 | $157 | $158 |
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 |
Auto insurance rates for individuals who have received a speeding ticket are around 16% (or $300 annually) lower than the national average.
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.
Insurance Company | Clean Record | One Accident |
---|---|---|
AAA | $180 | $220 |
Allstate | $166 | $225 |
American Family | $116 | $176 |
Farmers | $140 | $198 |
Geico | $95 | $132 |
Hartford | $175 | $230 |
Liberty Mutual | $177 | $234 |
Nationwide | $140 | $161 |
Progressive | $120 | $186 |
State Farm | $105 | $150 |
Travelers | $160 | $200 |
U.S. Average | $123 | $172 |
An American Family car insurance quote after a DUI conviction is as much as 33% lower than the national average, which is great for most high-risk drivers.
Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
---|---|---|---|---|
AAA | $180 | $220 | $240 | $220 |
Allstate | $166 | $225 | $225 | $195 |
American Family | $116 | $176 | $176 | $131 |
Farmers | $140 | $198 | $198 | $176 |
Geico | $95 | $132 | $132 | $125 |
Hartford | $175 | $230 | $250 | $215 |
Liberty Mutual | $177 | $234 | $234 | $217 |
Nationwide | $140 | $161 | $161 | $175 |
Progressive | $120 | $186 | $186 | $160 |
State Farm | $105 | $150 | $202 | $138 |
Travelers | $160 | $200 | $239 | $205 |
U.S. Average | $123 | $172 | $173 | $152 |
If you have poor credit, getting a policy with American Family could help you save around $520 per year on coverage.
Company | Good Credit | Fair Credit | Bad Credit |
---|---|---|---|
AAA | $135 | $165 | $245 |
Allstate | $166 | $197 | $296 |
American Family | $116 | $136 | $203 |
Farmers | $140 | $161 | $269 |
Geico | $82 | $100 | $148 |
Hartford | $120 | $155 | $230 |
Liberty Mutual | $177 | $226 | $355 |
Nationwide | $120 | $133 | $166 |
Progressive | $109 | $138 | $206 |
State Farm | $91 | $118 | $200 |
Travelers | $107 | $128 | $194 |
U.S. Average | $123 | $148 | $226 |
Accidents, DUIs, and poor credit will increase your risk as a driver. Depending on where you live, you might need to file SR-22 insurance to reinstate your driving privileges. Fortunately, if you need SR-22, American Family Insurance will file it with your local DMV on your behalf. American Family SR-22 might raise rates, but you’ll still pay less than the national average.
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 American Family Insurance auto quotes against other providers will help you know how much you can expect to pay for coverage.
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
Drivers can stack multiple discounts when they pay American Family Insurance online. If you have American Family Insurance and pay online, you could save as much as 20% on your car insurance premium.
Contact a company representative to learn more about the discount options and learn whether you’re eligible for savings. You can also request American Family insurance quotes and discounts with our comparison tool below.
What is AmFam’s KnowYourDrive program?
KnowYourDrive is a usage-based auto insurance option that offers customers the potential to get a cheaper American Family Insurance car insurance quote 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 Connect insurance reviews and American Family KnowYourDrive reviews to learn more about UBI discounts.
How American Family Insurance Ranks Among Providers
Read our American Family car insurance reviews and comparisons to see how AmFam compares to the competition:
- American Family vs. State Farm Auto Insurance
- American Family vs. Geico Auto Insurance
- American Family vs. Progressive Auto Insurance
Comparing American Family Insurance car insurance against other popular companies is the best way to guarantee you get the best price.
American Family Auto Insurance Review: The Bottom Line
American Family offers several different options for car insurance, and rates are lower than other top providers. Drivers enjoy the mobile app, where it’s easy to make an AmFam payment and file claims, but report slower response times when calling the American Family Insurance claim number.
Some American Family auto insurance reviews suggest the company may need to improve its customer service and claims handling process, but many drivers report that very few American Family insurance claims are denied.
If you’re looking for a new policy and considering American Family Insurance, get a quote to see how much it could cost you. Enter your ZIP code below to get started with free quotes from local companies.
Frequently Asked Questions
Is American Family Insurance a good insurance company?
American Family has strong financial ratings and excellent customer service and claims reviews. American Family insurance rates are also very competitive in states where coverage is available.
Can I cancel an AmFam policy online?
You have to call and speak with a company representative to cancel American Family Insurance.
Does American Family cover car rentals?
Yes, add rental reimbursement to your policy for American Family Insurance rental car coverage. 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?
Yes, American Family Insurance roadside assistance covers car tows.
What is included with American Family roadside service?
Along with car tows, AmFam roadside assistance covers battery jumps, tire changes, gas delivery, locksmith services, and minor roadside repairs.
Does AmFam offer GAP insurance?
If you need gap insurance, American Family offers it as auto loan 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.
What is the American Family insurance claim phone number?
Call the 1-800-692-6326 (1-800-MYAMFAM) to start the claim process. You can also reach the American Family insurance claims department online or via the mobile app.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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.
TammyNelson
Great auto insurance for Costco Members through Connect
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Awesome
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American Family tops any other insurance company
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When a 90-minute Meeting Saved Us $596!
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Boss
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a bright point in a dark time
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Young but excited about Insurance!
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My AMFAM experience