American Family Car Insurance Reviews
We give American Family Insurance a rating of 9.1 out of 10.0. The company’s overall rating was aggregated from American Family’s performance in five critical areas — cost, coverage, reputation, availability and customer experience.
American Family Insurance Rating
| Overall Rating | 9.1 |
|---|---|
| Cost | 9.5 |
| Coverage | 9.4 |
| Reputation | 8.4 |
| Availability | 8.1 |
| Customer Experience | 9.2 |
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Is American Family Insurance Good?
Founded: 1927
Better Business Bureau (BBB) rating: A
AM Best financial strength rating: A
American Family Insurance is the ninth-largest car insurance company in the U.S. according to the National Association of Insurance Commissioners (NAIC). The company was founded in 1927 in Madison, Wis., as Farmers Mutual Automobile Insurance Company. Today, American Family offers coverage in 19 states.
According to the NAIC, American Family Insurance wrote more than $5.4 billion in direct auto insurance premiums in 2021 and owned 2.1% of the country’s overall market share.
Pros and Cons of American Family Insurance
Here is a detailed list of AmFam’s pros and cons:
- Many add-on coverage options
- Only available in 19 states
American Family Insurance Customer Reviews
American Family Insurance reviews show average satisfaction among its customers. Positive American Family Insurance reviews praise the company for its affordable coverage and great customer experience. Negative reviews highlight issues with denied claims and an inconsistent payout process.
The sections below provide a more in-depth look at American Family Insurance reviews.
American Family Insurance Ratings: J.D. Power
American Family Insurance ranked fourth for customer satisfaction among midsize insurers in the J.D. Power 2023 U.S. Insurance Shopping Study℠, with an above-average score of 855 out of 1,000 points. In the J.D. Power 2022 U.S. Claims Satisfaction Study℠, which surveys consumers about their auto insurance claims experience, American Family scored above the industry average with a score of 874.
American Family Insurance Reviews: BBB and Trustpilot
While some American Family Insurance reviews speak positively of the company’s claims process, that can’t be said across the board. The provider holds a 1.1-star customer rating out of 5.0 on the BBB website, with over 183 complaints closed in the last three years. American Family Insurance reviews on Trustpilot give it a 4.2-star rating out of 5.0. While some of these may seem like low scores, it’s normal for an insurance company of this size to have negative reviews.
Our review team reached out to American Family Insurance for a comment on its negative reviews, but did not receive a response.
American Family Insurance Reviews: Reddit
Because it’s not a review site, users on Reddit often offer an unfiltered perspective on their firsthand experience with a product or company. Our team searched Reddit for customer experiences with American Family Insurance and found that many policyholders have a positive experience and appreciate the company’s affordable rates.
Some drivers report unexpected rate hikes or access to lower rates through Geico and other providers. Rates available through American Family Insurance vary by location, driver history and other factors.
American Family Insurance Coverage
American Family Insurance reviews show that these are the company’s six standard types of car insurance options:
- Liability car insurance (Bodily injury liability and property damage liability coverage)
- Collision insurance
- Comprehensive insurance
- Personal injury protection (PIP)
- Medical payments coverage (MedPay)
- Uninsured motorist coverage
American Family Add-On Coverage Options
Policyholders can also purchase the following insurance products:
- Gap insurance: Optional gap coverage helps pay the difference between what you owe and what your car is worth if your vehicle is totaled in a crash.
- Rental car reimbursement coverage: American Family offers this coverage to help pay for a rental car while your car is in the shop after a covered accident.
- Emergency road service coverage: This includes towing, battery jumps, tire servicing, gas and oil delivery, locksmiths and roadside repairs.
- Accidental death and dismemberment coverage: This option helps pay in the event of death or certain injuries resulting from a car accident no matter who’s at fault.
American Family Insurance also offers free access to one of its mobile apps, KnowYourDrive. It’s a usage-based car insurance program that provides up to a 20% discount based on how safe your driving behavior is. When you enroll, you may also receive a 10% introductory offer.
American Family Prices
Our cost estimates for American Family auto insurance policies show that married 35-year-old drivers with clean driving records and good credit pay an average of $1,851 annually for full coverage. This is about 8% lower than the national average, which is $2,002 per year for a full-coverage policy.
American Family Insurance Auto Quote
As with any car insurance company, the car insurance quote you receive from AmFam will depend on a variety of factors. If you have poor credit, you’ll likely pay more for car insurance unless you live in California, Hawaii, Massachusetts or Michigan. If you’re a young driver or you just have a bad driving record, your insurance will be more expensive.
American Family Minimum-Coverage Quotes
American Family Insurance’s annual minimum-coverage rates are 8% higher than the national average for a driver with good credit and a clean driving record.
| State | Average Annual Cost | State | Average Annual Cost |
|---|---|---|---|
| Arizona | $1,569 | Nevada | $2,887 |
| Colorado | $2,511 | North Dakota | $1,156 |
| Delaware | $2,828 | Ohio | $980 |
| Idaho | $1,040 | Oregon | $1,377 |
| Illinois | $1,161 | Rhode Island | $2,401 |
| Indiana | $1,195 | South Dakota | $1,288 |
| Iowa | $1,205 | Utah | $1,613 |
| Kansas | $1,251 | Vermont | $862 |
| Minnesota | $1,407 | Washington | $1,864 |
| Missouri | $1,533 | Wisconsin | $1,052 |
| Nebraska | $1,449 |
American Family Insurance Quotes for High-Risk Drivers
American Family Insurance rates for a 35-year-old male driver with good credit can increase by as much as $400 or more after a speeding ticket. However, the company’s rates for high-risk drivers still fall as much as 11% or more below the national average.
| Clean Driving Record | $1,851 | $2,008 |
|---|---|---|
| Recent Speeding Ticket | $2,333 | $2,508 |
| Recent Accident | $2,169 | $2,919 |
| DUI | $2,457 | $3,431 |
American Family Insurance Quotes by State
The table below shows average annual cost estimates by state for American Family Insurance. It’s important to note that these are only estimates and should not be used as an expectation of what you’ll pay for coverage.
| State | Average Annual Cost | State | Average Annual Cost |
|---|---|---|---|
| Arizona | $1,569 | Nevada | $2,887 |
| Colorado | $2,511 | North Dakota | $1,156 |
| Delaware | $2,828 | Ohio | $980 |
| Idaho | $1,040 | Oregon | $1,377 |
| Illinois | $1,161 | Rhode Island | $2,401 |
| Indiana | $1,195 | South Dakota | $1,288 |
| Iowa | $1,205 | Utah | $1,613 |
| Kansas | $1,251 | Vermont | $862 |
| Minnesota | $1,407 | Washington | $1,864 |
| Missouri | $1,533 | Wisconsin | $1,052 |
| Nebraska | $1,449 |
American Family Insurance Quotes by Age
American Family Insurance offers affordable rates for teens and young drivers. The insurer’s average rate for a 16-year-old new driver is $5,535 per year or $461 monthly, 34% lower than the national average.
| American Family Average Cost | National Average Cost | |
|---|---|---|
| 16 | $5,535 | $7,581 |
| 25 | $2,023 | $2,336 |
| 35 | $1,851 | $2,008 |
| 45 | $1,746 | $1,923 |
| 55 | $1,651 | $1,767 |
Is American Family Insurance Expensive?
American Family Insurance reviews show that the company has relatively reasonable rates for high-risk drivers and drivers with recent DUIs. Your car insurance premium will depend on a number of factors, including these:
- Age
- Gender
- Marital status
- Location
- Driving record
- Credit history
- Vehicle
American Family Insurance Discounts
While the cost of your policy will vary, American Family Insurance reviews show customers who are satisfied with the company’s wide variety of discounts.
Here’s a look at car insurance discounts American Family offers:
| Discount | Discount Description |
|---|---|
| Multi-vehicle | If you insure more than one vehicle with the company, you could qualify for a reduced premium. |
| Loyalty | Drivers who’ve been with AmFam for an extended period will receive a loyalty discount. The amount will depend on how long you’ve been with the company. |
| Early bird | If you have an active insurance policy with another company and get a quote from American Family Insurance at least seven days before your policy goes into effect, you may qualify for a discount. |
| Multi-product | You can receive discounts when bundling your auto and homeowners insurance policies. |
| Steer into Savings | If you switch from a competitor, you could receive a discount on your premium, depending on your state. |
| Auto safety equipment | Having auto safety equipment can save you money on your insurance premium. |
| Defensive driver | In some states, you could receive a discount if you’re 55 or older and complete an approved defensive driving course. |
| Good driving | Drivers without accidents, violations or claims may qualify for reduced rates. |
| Low mileage | You qualify for savings if you drive fewer than 7,500 miles per year. |
| Good student | If your child gets good grades, you may save on insurance costs. |
| Teen Safe Driver | If you have a teen driver in this program, you may qualify for a discount on your policy. |
| Away at school | If your child is a student who is under 25 and is more than 100 miles away at college with a car parked at home, you qualify for additional savings. |
| Young volunteer | Young drivers under 25 who complete 40 hours of volunteer work each year for a nonprofit organization can save on auto policies. |
| Generational | You can save on your auto policy if your parents are American Family Insurance customers. |
| Auto pay | You may qualify for a discount when you enroll in automatic funds transfer (AFT) or electronic recurring payments. |
| Customer full pay | Save money by paying your premium in full at the time of purchase. |
| Paperless | Enrolling in online billing and e-delivery of policy documents can help you save on your policy. |
American Family Insurance Reviews: The Bottom Line
We give American Family Insurance a score of 9.1 out of 10.0. The car insurance provider has many discounts and potential add-ons, but coverage is only available in 19 states and customer reviews are mixed. Overall, we recommend looking into other options to find the coverage that best suits your needs.
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