American Family Car Insurance Review [2021]

The average American Family car insurance rates range from $126/mo in Wisconsin to $453/mo in Nevada. AM Best rates American Family car insurance at A+ and it has a Consumer Reports rating of 89.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 11, 2021

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Company Details
Address: 6000 American Parkway
City: Madison
State: WI
ZIP Code: 53783
Phone Number: 608-242-4100
Year Founded: 1927
AM Best Rating: A (Excellent)
Company Rating 0 (0 reviews)

We protect what matters most.

Dreams don’t always come with instructions, but there are signs to direct you along the way. We do more than protect things. We protect your dreams.

Sound familiar? Those are the taglines behind American Family Insurance. Unlike other major insurance companies who use humor and “what if” advertisements, American Family waxes nostalgic by pushing us to “pursue our dreams” and let everything fall into place.

But what if your car gets pushed over a cliff? Are you covered? We hope that’s something which never happens to you–even in your dreams.

Car insurance is something most of us have to have, and we want to make sure that you’re not spending too much, and use that money to follow your dream. In this guide, we’re going to provide you with everything you need to know about American Family Insurance, including company history, ratings, coverage options, and more.

Want to start comparison shopping today? You can take advantage of our FREE online tool to start comparing rates in your area.

Let’s get started.

Table of Contents

American Family Financial Ratings

All companies tout how better they are than the competition. But let’s see what multiple independent agencies have to say about American Family Insurance and whether it’s the right company for your situation. Comparing the pros and cons is an important factor in determining which auto insurance company is best for you.

AM BestA+ (Stable)
Better Business Bureau (Chicago, IL)A+
Moody'sAa3 (Excellent)
S&PAA- (Very Good)
NAIC Complaint Index0.89
JD PowerClaims Satisfaction 4/5
Consumer Reports89
Consumer Affairs3/5
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– AM Best

An AM Best rating measures the financial stability of a company, with A++ being the highest rating possible. Since American Family has an A+ rating, it means the company has a stable financial future.

– Moody’s

Moody’s rating looks at how well a company can pay off its debts (its creditworthiness). Moody’s Aa3 rating falls into the P-2 category, meaning the company is of “high quality and very low credit risk.”

– Standard and Poor’s (S&P)

S&P’s rating of American Family is good, though the best grade is AA-. This rating means that American Family has a very strong capacity to meet financial commitments. It differs from the highest-rated companies by only a small degree

– Better Business Bureau

This rating looks at multiple aspects of a business, although the most critical element is the company’s complaint history. A complaint history shows how satisfied customers are with the service they receive.

Since A+ is the highest rating the BBB gives, the Better Business Bureau views American Family as better than most.

– J.D. Power

Another important rating to look at when searching for an insurance company is customer satisfaction levels. J.D. Power rates companies solely on customer satisfaction levels. American Family received a score of 860 in providing a satisfying purchase experience, ranking it third among auto insurers.

– Consumer Reports

Claims HandlingScore
Total89 out of 100
Ease of Reaching an AgentExcellent
Simplicity of the ProcessVery Good
Promptness of Response - very goodVery Good
Damage AmountVery good
Agent CourtesyExcellent
Timely PaymentVery Good
Freedom to Select Repair ShopVery Good
Being Kept Informed of Claim StatusExcellent
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American Family scores well in many of the above categories.

– Consumer Affairs

As for the Consumer Affairs’ rating of American Family Insurance, the company has received 2/5 stars on 290+ reviews. Customers like the company ideals and several other features but complain about the difficulty in communicating with company personnel.

– NAIC Complaint Index

Company (NAIC #)Complaint Index
American Family Mut Ins Co SI (19275)0.89
American Family Ins Co (10386)13.74
American Family Home Ins Co (23450)0.00
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The National Association of Insurance Commissioners (NAIC) measures the number of complaints a company receives. The company’s complaint ratio is 0.89 and below the national average of 1.16. One thing to consider is that your experience may be better or worse than these ratings based on your insurance needs.

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Company History

Since the company’s founding in the 1920s by Herman Wettwer, American Family Insurance, also abbreviated as AmFam has been dedicated to helping its customers pursue their dreams and focus on the things that matter. For nearly 100 years, the company has provided products to insure and protect those dreams while pursuing the philosophy that a dream is the most valuable thing you’ll ever own.

The company is the fourth-largest based company in Wisconsin, and in 2017, was ranked 315 on the Fortune 500 list with revenues of $8.8 billion

But many factors make up a company, including how it treats its customer, how it works within the community, and whether it is financially viable enough to weather volatile economic situations.

Why should you care about the history of American Family Insurance? Because looking at a company’s history gives you essential data about how successful the company is and what its future is like.

Up next, we are going to dig into everything from American Family market share to its awards and accolades.

– Market Share

Below, you will see NAIC’s data on American Family market shares for the last four years.

YearPremiums WrittenMarket Share %Loss Ratio
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The company’s market share has increased steadily over the last four years. Several factors could be in play, such as smaller premiums, customer recommendations, and more brand recognition from its advertising campaigns.

– Accessibility

American Family has several options if you want to access information or get in touch with someone about your car insurance policy.

  • Online — You can find quotes and more online at the American Family website.
  • Agents — You can talk to agents by texting, calling, or emailing.
  • Apps — American Family offers a mobile app, through which you can access your policy information and contact agents.

– Advertising

Car insurance companies do whatever it takes to grab your attention through humor, what-if scenarios, and emotional bonding. American Family is no exception.

Also, companies use endorsements from celebrities to forge a connection with consumers:

The company’s general approach to advertising is to present itself as the company that can be trusted because it just doesn’t protect your assets, but your dreams and whole way of life.

– Investment in the Community

American Family is proud to give back to the community. The video below shows how the company is doing just that.

The One Saturday to Dream Fearlessly is a series of celebrations to bring American Family Insurance agents, ambassadors, local volunteers, and charities together to strengthen cities, deepen community bonds and inspire brighter futures.

American Family Insurance is also proud to support the DreamBank program.

Even though the company isn’t as large as some of the industry leaders like Geico and State Farm, they still do their part to give back to the community and make the world a better place.

– How is American Family Positioned for the Future?

In 2017, American Family was the 16th largest insurance company in the market according to market share. Even though it is only available in 19 states, American Family is consistently ranked as a top-10 insurance company in the country.

While American Family’s financial future looks stable and the company continues to grow, a recent restructuring of the company hopes to increase its flexibility to pursue customer-driven initiatives.

According to the leadership at American Family:

“We are looking to position the company to be leaders in the industry when it comes to utilizing innovative technologies to improve customer experience.

This change would position American Family to meet customer needs in an age of automated cars, smart homes, and other advanced technologies that are already improving lives and changing the insurance industry.”

These sort of forward-thinking moves and philosophy bode well for American Family Insurance’s success as a leading insurance carrier well into the future.

– Employee Demographics

While we know not every customer is happy with American Family, we also want to take a look at what employees think of the company. Employees who believe in American Family and enjoy working there will, for the most part, treat their customers well and encourage them to stay with the company.

At Glassdoor, employees rated American Family 3.4 stars out of five. This rating was calculated from over 870 reviews.

Good reviews talked about the great work environment and competitive pay. As well, 56 percent of the reviewers would recommend American Family to a friend, and 74 percent approved of the CEO.

Those who rated American Family poorly talked about the lack of benefits and opportunities, while 18 reviewers said there was a lack of work and life balance.

Based on these reviews, most employees seem to have liked their time at American Family, though most wish it had been better.

– Awards and Accolades

Let’s take a look at the most recent awards and accolades American Family has earned.

  • 2018 President’s Award from PGA TOUR Champions
  • 2017 Green Master Company — companies who practice sustainability for the environment

These awards and accolades are a small number for a company that has been around for a while, but individual agents at American Family have received multiple awards and accolades for their work.

Cheap Car Insurance Rates

We partnered with Quadrant Data to bring you this information. Here are two things to keep in mind.

  1. Many variables can affect what you pay. Your rate will differ from what is listed below
  2. American Family has discounts and options that may help offset the cost

– Rates By State

American Family doesn’t offer car insurance in every state. Their rates vary, sometimes below and sometimes above average, and can be further affected by factors like driving record and credit history.

StateOverall Average Annual
Premium by State
American Family
Average Annual Premium
Compared to
Overall State Average
Percentage Difference
Arizona$3,421.51 $4,153.07 $731.5517.61%
Colorado$3,876.39 $3,733.02 -$143.37-3.84%
Georgia$4,043.28 $4,848.72 $805.4416.61%
Iowa$2,981.28 $3,021.81 $40.531.34%
Idaho$2,979.09 $3,728.79 $749.7020.11%
Illinois$3,305.48 $3,815.31 $509.8213.36%
Indiana$3,414.97 $3,679.68 $264.717.19%
Kansas$3,279.62 $2,146.40 -$1,133.22-52.80%
Minnesota$4,403.25 $3,521.29 -$881.97-25.05%
Missouri$3,328.93 $3,286.90 -$42.03-1.28%
North Dakota$4,165.84 $3,812.40 -$353.44-9.27%
Nebraska$3,283.68 $2,215.13 -$1,068.55-48.24%
Nevada$4,861.70 $5,441.18 $579.4810.65%
Ohio$2,709.71 $1,515.17 -$1,194.54-78.84%
Oregon$3,467.77 $3,527.28 $59.511.69%
South Dakota$3,982.27 $4,047.47 $65.201.61%
Utah$3,611.89 $3,698.77 $86.882.35%
Washington$3,059.32 $3,713.02 $653.7017.61%
Wisconsin$3,606.06 $1,513.27 -$2,092.80-138.30%
Median$3,660.89 $3,698.77 $37.881.02%
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The most expensive state to carry American Family as your insurance provider is Idaho, where rates are 20 percent above average. In eight of the 19 states American Family covers, rates are below average.

– Rates Compared to Other Companies

Here’s a look at American Family compared to nine other top companies on a state-by-state basis.

StateAverage by StateAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Alaska$3,421.51$3,145.31$4,153.07Data Not Available$2,879.96$5,295.55Data Not Available$3,062.85$2,228.12Data Not Available$2,454.21
Alabama$3,566.96$3,311.52Data Not Available$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$4,124.98$5,150.03Data Not Available$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$3,770.97$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$3,688.93$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77Data Not Available$3,338.87
Connecticut$4,618.92$5,831.60Data Not AvailableData Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$4,439.24$6,468.92Data Not AvailableData Not Available$3,692.81Data Not Available$4,848.98$4,970.26$4,074.05Data Not Available$2,580.44
Delaware$5,986.32$6,316.06Data Not AvailableData Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$4,680.46$7,440.46Data Not AvailableData Not Available$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67Data Not Available$2,850.41
Georgia$4,966.83$4,210.70Data Not AvailableData Not Available$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88Data Not Available$3,157.46
Hawaii$2,555.64$2,173.49Data Not Available$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28Data Not Available$1,189.35
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Kentucky$5,195.40$7,143.92Data Not AvailableData Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,711.34$5,998.79Data Not AvailableData Not Available$6,154.60Data Not AvailableData Not Available$7,471.10$4,579.12Data Not Available$4,353.12
Maine$2,953.28$3,675.59Data Not Available$2,770.15$2,823.05$4,331.39Data Not Available$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$4,582.70$5,233.17Data Not AvailableData Not Available$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87Data Not Available$2,744.14
Massachusetts$2,678.85$2,708.53Data Not AvailableData Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$10,498.64$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49Data Not Available$2,066.99Data Not Available$2,861.60
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91Data Not Available$2,525.78
Mississippi$3,664.57$4,942.11Data Not AvailableData Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$3,220.84$4,672.10Data Not Available$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74Data Not Available$2,031.89
North Carolina$3,393.11$7,190.43Data Not AvailableData Not Available$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66Data Not Available
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53Data Not Available$2,006.80
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71Data Not Available$2,330.78
New Hampshire$3,151.77$2,725.01Data Not AvailableData Not Available$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46Data Not Available$1,906.96
New Jersey$5,515.21$5,713.58Data Not Available$7,617.00$2,754.94$6,766.62Data Not Available$3,972.72$7,527.16$4,254.49Data Not Available
New Mexico$3,463.64$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77
New York$4,289.88$4,740.97Data Not AvailableData Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Oklahoma$4,142.33$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15
Pennsylvania$4,034.50$3,984.12Data Not AvailableData Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$5,003.36$4,959.45Data Not AvailableData Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43Data Not Available$4,691.85$3,178.01Data Not Available$3,625.49$4,573.08$3,071.34Data Not Available$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23Data Not AvailableData Not Available
Tennessee$3,660.89$4,828.85Data Not Available$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$4,043.28$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83Data Not Available$2,491.10
Virginia$2,357.87$3,386.80Data Not AvailableData Not Available$2,061.53Data Not Available$2,073.00$2,498.58$2,268.95Data Not Available$1,858.38
Vermont$3,234.13$3,190.38Data Not AvailableData Not Available$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84Data Not Available$1,903.55
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78Data Not Available$2,262.16
West Virginia$2,595.36$3,820.68Data Not AvailableData Not Available$2,120.80$2,924.39Data Not AvailableData Not Available$2,126.32Data Not Available$1,984.62
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53Data Not Available$2,975.74
Wyoming$3,200.08$4,373.93Data Not Available$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55Data Not Available$2,779.53
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For a small company, American Family has competitive rates when it comes to competing against bigger companies like Geico and Progressive. American Family’s nationwide average of $3,700 is $250 less than Progressive and $600 more than Geico. As we’ve mentioned previously, your rates will vary based on your situation.

– Male vs. Female Car Insurance Rates

Here’s how American Family’s annual rates based on demographics compare to other top insurance carriers in the country. These averages are national, so where you live could affect your rates.

CompanySingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old male
Allstate$9,282.19 $10,642.53 $3,424.87 $3,570.93 $3,156.09 $3,123.01 $2,913.37 $2,990.64
American Family$5,996.50 $8,130.50$2,288.65$2,694.72 $2,202.70$2,224.31$1,992.92 $2,014.38
Farmers$8,521.97 $9,144.04 $2,946.80 $3,041.44 $2,556.98 $2,557.75 $2,336.80 $2,448.39
Geico$5,653.55 $6,278.96 $2,378.89 $2,262.87 $2,302.89 $2,312.38 $2,247.06 $2,283.45
Liberty Mutual$11,621.01 $13,718.69 $3,959.67 $4,503.13 $3,802.77 $3,856.84 $3,445.00 $3,680.53
Nationwide$5,756.37 $7,175.31 $2,686.48 $2,889.04 $2,360.49 $2,387.43 $2,130.26 $2,214.62
Progressive$8,689.95 $9,625.49 $2,697.73 $2,758.66 $2,296.90 $2,175.27 $1,991.49 $2,048.63
State Farm$5,953.88 $7,324.34 $2,335.96 $2,554.56 $2,081.72 $2,081.72 $1,873.89 $1,873.89
USAA$4,807.54 $5,385.61 $1,988.52 $2,126.14 $1,551.43 $1,540.32 $1,449.85 $1,448.98
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– Rates by Make and Model

What vehicle you drive can also have an impact on your car insurance. Below, we show you what you can expect to pay for five specific models from American Family and its competitors.

Company2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V62015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT2015 Toyota RAV4: XLE2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V62018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT
Allstate$4,429.74 $4,753.69 $4,324.99 $5,491.12 $5,380.28
American Family$3,447.30$3,178.82 $3,326.18$3,487.91 $3,721.32
Farmers$4,093.50 $4,405.21 $3,728.22 $4,390.19 $4,779.51
Geico$3,092.11 $3,092.58 $3,090.89 $3,338.40 $3,338.87
Liberty Mutual$5,830.16 $5,869.32 $5,825.33 $5,988.85 $6,682.63
Nationwide$3,571.01 $3,547.84 $3,517.03 $3,373.64 $3,361.93
Progressive$3,914.05 $4,429.56 $3,647.22 $3,962.58 $4,528.90
State Farm$3,204.23 $3,024.24 $3,226.02 $3,497.17 $3,189.99
Travelers$4,023.47 $4,420.37 $4,383.78 $4,412.42 $4,661.22
USAA$2,551.56 $2,409.67 $2,454.58 $2,855.69 $2,422.66
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Good news if you drive a 2015 Honda Civic Sedan, because of the vehicles listed, it has the cheapest rates.

– Average Annual Premiums by Commute

If you drive more than 12,000 miles a year, you may also see your car insurance rates start to rise.

Company10-miles commute / 6,000 annual mileage25-miles commute / 12,000 annual mileage
Allstate$4,841.71 $4,934.20
American Family$3,401.30$3,484.88
Farmers$4,179.32 $4,209.22
Geico$3,162.64 $3,267.37
Liberty Mutual$5,995.27 $6,151.63
Nationwide$3,437.33 $3,462.67
Progressive$4,030.02 $4,041.01
State Farm$3,175.98 $3,344.01
Travelers$4,399.85 $4,469.96
USAA$2,482.69 $2,591.91
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American Family customers can expect to pay the fifth-highest rates when it comes to their commute. Other factors such as living in a rural or urban area could also contribute to the cost of your insurance,

– Coverage Level Rates

You might think that having the lowest minimum coverage in your state is the best way to ensure you and your family are protected. But that’s not necessarily the case, because sometimes the difference in low to high coverage is less than you think.

Check out the table below to see the differences in coverage in your state.

Allstate$5,139.02 $4,896.81 $4,628.03
American Family$3,416.40$3,544.37$3,368.49
Farmers$4,494.13 $4,166.22 $3,922.47
Geico$3,429.14 $3,213.97 $3,001.91
Liberty Mutual$6,356.04 $6,058.57 $5,805.75
Nationwide$3,505.37 $3,449.80 $3,394.83
Progressive$4,350.96 $4,018.46 $3,737.13
State Farm$3,454.80 $3,269.80 $3,055.40
Travelers$4,619.07 $4,462.02 $4,223.63
USAA$2,667.92 $2,539.87 $2,404.11
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Up next, we discuss how your credit score could affect what you pay for car insurance with American Family.

– Credit History Rates

Besides not being able to secure a car loan or a mortgage, poor credit can also have an impact on how much you pay for car insurance. The table below reflects what you’ll pay for car insurance if you have good, fair, or poor credit. Of course, these are estimates, and your rates may be different based on your situation.

Allstate$3,859.66 $4,581.16 $6,490.65
American Family$2,691.74$3,169.53$4,467.98
Farmers$3,677.12 $3,899.41 $4,864.14
Geico$2,434.82 $2,986.79 $4,259.50
Liberty Mutual$4,388.18 $5,604.24 $8,802.22
Nationwide$2,925.94 $3,254.83 $4,083.29
Progressive$3,628.85 $3,956.31 $4,737.64
State Farm$2,174.26 $2,853.00 $4,951.20
Travelers$4,058.97 $4,344.10 $5,160.22
USAA$1,821.20 $2,219.83 $3,690.73
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The average credit score in the U.S. is 675. If your credit score is lower than this, you may face increased rates on car insurance. In some states, poor credit can raise your rates by thousands of dollars.

– Driving Record Rates

If you get a speeding ticket, have an accident, or get a DUI, your rates with American Family will increase in most states.

The table below shows rates with these three violations compared to the rate for a clean record.

CompanyClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
Allstate$3,819.90 $4,483.51 $4,987.68 $6,260.73
American Family$2,693.61$3,025.74$3,722.75$4,330.24
Farmers$3,460.60 $4,079.01 $4,518.73 $4,718.75
Geico$2,145.96 $2,645.43 $3,192.77 $4,875.87
Liberty Mutual$4,774.30 $5,701.26 $6,204.78 $7,613.48
Nationwide$2,746.18 $3,113.68 $3,396.95 $4,543.20
Progressive$3,393.09 $4,002.28 $4,777.04 $3,969.65
State Farm$2,821.18 $3,186.01 $3,396.01 $3,636.80
Travelers$3,447.69 $4,260.80 $4,289.74 $5,741.40
USAA$1,933.68 $2,193.25 $2,516.24 $3,506.03
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Coverage Offered By American Family

American Family offer the same coverage as all of the other companies do and in some cases, at a competitive rate. Let’s take a look at standard insurance terms and go into detail about what they mean. Some companies advertise about coverage under every scenario imaginable, but what is that actual coverage called?

And American Family wants to cover you so you can dream big.

We know, it can be confusing, so that’s why we’ve compiled a list of common coverages with a brief explanation. Different coverage types fall into four basic categories:

– When you are at fault:

Liability coverage covers the physical damages you inflict upon another vehicle and the bodily injuries sustained by all individuals in the other vehicle

– When you are not at fault:

Uninsured and Underinsured Motorist Coverage covers your expenses if the at-fault driver has little or no liability coverage.

– Vehicle Protection:

– Personal Protection:

  • Medical Payments Coverage – covers medical expenses of those in your vehicle
  • Personal Injury Protection – covers costs incurred from injuries to yourself or others in the vehicle, lost wages and funeral expenses no matter who is at fault
  • Umbrella Policy – extends your liability coverage to a much higher limit which blankets over multiple policies such as home and auto as well as others

American Family’s extensive list of auto insurance coverages means you can tailor a car insurance plan to meet your needs.

– Additional Car Insurance Options

Depending on where you live, some of the above may be optional coverages. American Family also have a good selection of additional coverage, including the most popular options

– KnowYourDrive

TrueMotion, a technology company that has teamed up with American Family to improve driver safety and reduce distracted driving using an unlikely tool—a smartphone app. KnowYourDrive is a usage-based insurance (UBI) mobile app powered by TrueMotion that tracks consumer driving habits and offers discounts to those utilizing best practices and behaviors.

KnowYourDrive uses cutting edge technology that analyzes a bunch of aspects of your driving and behavior to identify whether you’re a driver in a car, a passenger in a car, or traveling via some other mode of transit.

Occasionally, the app may misclassify a trip. When this happens, just tap on the trip within five days and edit the mode by tapping the transit mode icon in the top right corner. This information also will help the app to classify future trips better.

How the app works is that you’re given a score based on how safely you drive. Your score will update five to 10 minutes after a trip, with a score ranging from 0 to 100. The program score is calculated from each driver’s score on your policy. The overall program score is then used to determine your KnowYourDrive program discount. Please note, only the individual’s personalized driving score is displayed on the app.

– Area of Operation

American Family Insurance is available in the following 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

– Discounts Offered

American Family Insurance has many discounts and affordability options available to its consumers. Depending on the discount, you could save up to 40 percent.

DiscountsAmerican Family
Adaptive Cruise ControlNo
Adaptive HeadlightsNo
Anti-lock BrakesYes
Claim FreeYes
Continuous CoverageYes
Daytime Running LightsYes
Defensive DriverYes
Distant StudentYes
Driver's EdYes
Driving Device/AppYes
Early SigningYes
Electronic Stability ControlYes
Emergency DeploymentNo
Engaged CoupleNo
Family LegacyYes
Family PlanYes
Farm VehicleNo
Fast 5No
Federal EmployeeNo
Forward Collision WarningNo
Full PaymentYes
Further EducationNo
Good CreditNo
Good StudentYes
Green VehicleNo
Lane Departure WarningNo
Life InsuranceNo
Low MileageYes
Military GaragingNo
Multiple DriversNo
Multiple PoliciesYes
Multiple VehiclesYes
New AddressNo
New Customer/New PlanNo
New GraduateNo
Newer VehicleNo
Newly LicensedNo
Occasional OperatorNo
On Time PaymentsNo
Online ShopperNo
Paperless DocumentsYes
Paperless/Auto BillingYes
Passive RestraintYes
Recent RetireesNo
Roadside AssistanceNo
Safe DriverYes
Seat Belt UseNo
Senior DriverNo
Stable ResidenceNo
Students & AlumniYes
Switching ProviderYes
Utility VehicleNo
Vehicle RecoveryYes
VIN EtchingNo
Young DriverNo
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These discounts aren’t available everywhere, so be sure to ask your agent about what options you qualify for based on your situation.

– What Stands Out 

Let’s take a step back and look at what American Family has to offer, and what it’s missing so far.

  • What Stands Out — American Family offers multiple coverages, more so than other insurers, such as insurers like Geico. American Family also has an expansive range of discounts to provide customers with that can cut down on costs.

– What’s Missing

  • What’s Missing — American Family lacks military discounts, which is a standard discount at most providers. There also isn’t a pay-as-you-drive program, where you pay less if you rarely use your car.

American Family has more to offer than what’s missing, as the company has a complete list of coverages and lacks only a few discounts and programs that other insurers offer.

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Canceling Your Policy

Over time, there may be occasions when you may need to cancel or adjust your insurance policy with American Family. Here are four examples which may apply to you:

  • Selling a car and not replacing it
  • Storing a classic or antique vehicle
  • A teen is heading to college and will no longer be driving the vehicle
  • A vehicle has been paid off and no longer requires comprehensive cover

But what if you want to cancel your policy for other reasons such as customer dissatisfaction, rates that are too high, or you’re moving geographic locations?

– How to Cancel

You’ll need to pick up the phone and call your local agent if you want to cancel your policy. American Family’s website does allow you to modify or change some policies but doesn’t allow for canceling a policy.

– Is There a Cancellation Fee?

American Family doesn’t generally charge a cancellation fee, but could if state law allows it. The company will also prorate any unused portion of your paid premium and refund you the difference.

– When Can I Cancel?

Don’t cancel your policy until you’ve secure representation with another company. Even a one-day lapse in coverage can cause unwanted headaches and possible fines in some states. The cancellation will go into effect at midnight the following day after your policy expires or whatever day you have chosen to end the policy.

How To Make a Claim

Uh, oh. You’ve been in an accident and need to file a claim. How does that work?

– Ease of Making a Claim

It’s easy with American Family, follow these simple steps:

  • Online — You can file a claim online at American Family’s website. You will need to have your policy number, contact information, and accident/incident information.
  • Mobile App — If you have American Family’s mobile app, you can use it to file a claim.
  • Agent — You can also contact your agent directly to file a claim.
  • Phone — You can call 1-800-MY AMFAM (1-800-692-6326) at any time (it is available 24/7, seven days a week).

Now, that we’ve shown you how to file a claim, let’s look at how American Family pays out claims to its customers. Loss ratios can give us some insight into the answer to that question.

– Premiums Written and Loss Ratio

The information below comes from NAIC and shows the premiums written by American Family compared to its loss ratio over four years.

Premiums Written$3,694,271$4,005,549$4,381,962$4,687,909
Loss Ratio55%58%69%69%
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The company has shown consistent growth over the lookback period, which means it’s attracting more customers. The loss ratio has increased as well, which is good news to customers.

What exactly is a loss ratio?

American Family is a financially stable company, meaning that if you have a valid claim, the company will be able to pay it.

How to Get a Quote Online

Step #1 — Learn About American Family’s Values

Shopping for car insurance isn’t the most exciting process, so you might be tempted to just dive right in, enter your ZIP code, and get a couple quotes ASAP. But the company you choose matters.

A good offer and seemingly good coverage can come at a hefty cost when you realize that the provider you’ve chosen doesn’t have any customer support or services.

Your car insurance provider is more than just another financial obligation or legal requirement; your provider should be a reliable brand for you to count on when you need them most. Do some research and learn about different companies, then narrow your list down to at least three before you request any quotes.

You can read about American Family’s story, values and mission on their site. Their About page is a great place to begin your research.

Step #2 — Start Your Search with Your ZIP Code

You can enter your ZIP code in any of the boxes that appear on American Family Insurance’s site to begin your request. In some cases, you might receive the message presented in the image below. If so, just click “Get Your Quote Today” to proceed.

Step #3 — Review the Progress Bar and Agree to Terms and Disclosures

The first thing you might be tempted to do is start filling out any personal information that’s requested, but it’s a better idea to take a look around the page and get a feel for the process.

We highly recommend reviewing the terms and disclosure agreements typically found at the bottom of the first page on a car insurance quotes site.

Because every company has its own way of calculating policy rates and so many individual factors go into auto insurance, it’s not possible to get a good quote without any personal information. That being said, you shouldn’t just give your name out to anybody.

Carefully review the terms and disclosure agreements and make sure you’re comfortable with how your information will be used before you bother typing anything.

You can also take a look at the progress bar at the top of the page and get a feel for the steps you’ll be following throughout the process and what kind of details you’ll have to provide.

Step #4 — Enter Your Details

Enter your name, address, city, state, email address and phone number. This information will be passed on to an agent should you decide to buy a policy, and your contact info will be used to reach you later if you decide to go ahead with buying from American Family.

There are some questions relating to your address that are important. You’ll be asked if you’ve lived at your current address for more than a year. If not, then you’ll have to list your prior address as well.

Your location plays a role in how much your car insurance premiums cost, so make sure you enter your primary residence and proper ZIP code.

Step #5 — Add Vehicles

Now, you’ll have to enter information about the vehicle(s) you wish to insure. American Family features a drop-down menu system that makes entering your make and model easy.

To save time, you can enter your car’s Vehicle Identification Number (VIN) and the information will be automatically added for you.

Your vehicle information doesn’t just stop at its year and model, though. You’ll have to reflect on how you use your car and how much you drive approximately each year. There are different types of coverage available for business vehicles and everyday cars.

If you work for a carpool service like Uber or Lyft, American Family has special rideshare car insurance you can add to your policy for added coverage and security.

Step #6 — Add Drivers

Drivers are just as important to vehicles to a car insurance company. You’ll need to enter information about every driver of a vehicle in your household, even if you’re just looking to get personal auto insurance. Your gender, marital status and similar details help American Family calculate a more accurate quote.

You’ll also need to provide information regarding your current or previous car insurance coverage. Switching car insurance providers is easy with the right information; make sure you speak to your current insurer and give them at least 30 days notice before canceling.

Step #7 — Qualify for Discounts

American Family will inform you about possible discounts you qualify for based off the information you’ve provided.

Don’t stop there, though. There’s an entire section of their site dedicated to the car insurance discounts on American Family’s site, and you can continue your research online to find out what discounts are out there so you can bring them up with an agent when you’re ready to buy.

Step #8 — Save Money and Choose How You Pay

Before you get your quote, you’ll be presented with additional ways to save money on your auto policy. You can choose to opt into an automatic payment system that will have your monthly premium debited from your bank account so you don’t ever have to worry about forgetting.

You can also choose to enroll in American Family’s paperless program, which will allow you to live a bit more green and keep all your billing statements and policy information sent to you online instead of through the mail.

You aren’t automatically enrolled in either of these incentives when you click yes during this part of the quotes process, but you’ll be prompted again later if you decide to buy a policy.

Selecting yes now, though, will ensure proper discounts are applied to your estimate and your quote is as accurate and personalized as possible.

Step #9 — Review Your Quote

American Family will present you with a quote as well as several coverage options to choose from. Each policy will have its features and exclusions listed. You’ll also have the option to customize a policy that’s presented to you and adjust limits and other coverages to your liking.

If you love what you see, take note of the prices, save your quote information and get ready to compare a few more estimates before you make a final decision.

Step #10 — Purchase a Policy (After Comparison Shopping)

Even if you love American Family’s auto insurance rate, make sure to shop around and compare at least three different quotes before you purchase a policy. Explore various coverage options, limits, and discount opportunities at multiple providers to get the most bang for your buck.

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Design of Website/App

While other insurance company websites and apps may be difficult to navigate, American Family’s is relatively simple and easy to use. On the website, it is easy to find whatever information you’re searching for. Just click from any of the categories on the drop-down menu and go.

This makes it easy to find answers to common questions you may have, such as how to make a claim or how to download American Family’s apps.

Amfam online quote 1

You can also enter questions in the search bar at the top right of the page. If you already have an American Family account, you can also sign in at the top right.

As for American Family’s mobile apps, they have a general app that has 4.8 stars out of five from 28,500 ratings.

american family app

Some of the common complaints with the app are as follows.

  • Doesn’t make timely payments on policy
  • Trouble logging in (fingerprint ID doesn’t work, or page is forever loading)
  • App is slow

– Other App Features

According to American Family’s website, here are other convenient options available on the app:

  • Instant Agent Access
    Instantly contact your agent through the app. Plus, store agent and auto policy information to Passbook for quick and easy access
  • Digital ID Cards
    Access proof of insurance without having to reach for the glove box or sift through papers.
  • Policy Documents
    View your policy documents and agent information on the spot, and even email it directly from the app, whenever you need it.
  • Manage Claims
    Start a claim and track any changes or updates. Plus, you can use the Accident Toolkit to follow the step-by-step checklist immediately following a collision.
  • Roadside Assistance
    Have a flat? Car break down? Every minute counts when you’re stranded on the road. Know who’s coming and when with our 24/7 Roadside Network. Our On-Demand service is accessible to any driver, any car, any time.

Pros and Cons

Now that we have covered everything you need to know about American Family, let’s check out the biggest takeaways in terms of pros and cons.

Has a large array of coverages and add on optionsHas more expensive rates than other providers
Has a slightly higher than average amount of discountsIs lacking common discounts like a military discount or pay-as-you-drive
General app has good ratingsDiscount driving app has poor reviews and needs improvement
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The Bottom Line

We’ve shown you everything you need to know about American Family, so you can decide for yourself whether AmFam is right for you. With American Family, they want to protect you, and what matters so that you can focus on your dreams. But don’t focus too much that you end up paying too much for your car insurance.

One thing to consider is that everyone’s needs are different, and rates can vary significantly based on individual factors.

As thorough as this guide is, we still strongly suggest that you shop around with your personal details and specific vehicle information before you choose an auto insurance provider.

Get quotes today to find out how much you could save on car insurance. Get started by simply entering your ZIP code in our free comparison tool.

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Frequently Asked Questions (FAQ)

If you still have questions, don’t fear. We are going to go through some of the most common questions people ask about American Family.

– How do I get an auto quote?

American Family offers three equally convenient ways to receive a personalized auto quote:

What is American Family’s grace period?

If you miss a payment at American Family, you’ll have a grace period of 10-14 days to make the payment. During this time, your policy will lapse and will only be reinstated when you make the payment.

What if I’m not satisfied with my claim settlement?

American Family doesn’t have a claims satisfaction guarantee (where you can file if you’re dissatisfied with your claim within a specific time), but you can contact an agent to talk further about your claim settlement and its issues.

What is American Family pay-by-phone?

If you are having issues with automatic payment on the app or online (or simply want to pay with a different method), you can call 1-866-424-8002 to pay by phone at American Family.

Will American Family replace or repair my windshield?

American Family has an Auto Glass Safelite Insurance Repair program. Depending on what type of coverage you have (you’ll usually need comprehensive coverage), the Safelite program will repair or replace your windshield and sometimes will even drive to you to replace it.

What does emergency roadside assistance cover?

American Family will help you with the following situations: towing, flat tires, jump starts, out of gas, and keys locked in the car.

– Does my deductible still apply even if I’m not at fault?

Yes, your deductible also applies if you’re not at fault. Once your claim is paid, if the at-fault person is known, American Family will seek to recover the payments – including your deductible – from the responsible person or their insurance company.

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  1. adultfriendrfinder May 19, 2017

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