American Family auto insurance review 2024

Based on our comprehensive assessment of coverage offerings, average premiums, online tools and more, American Family car insurance earned a Bankrate Score of 4.2 out of 5, partly due to the company’s lower-than-average full and minimum coverage premiums and high third-party customer satisfaction ratings. Still, its score may have been better if it offered car insurance nationwide. Additionally, the company has a financial strength rating of A (Excellent) from AM Best. While American Family’s insurance rating is still solid, it is lower than some other carriers.

American Family car insurance offers standard auto coverage types like liability, comprehensive, collision, medical payments and uninsured and underinsured motorist coverage. Safe drivers may utilize optional tools like KnowYourDrive, a usage-based telematics program that allows drivers to earn up to 20 percent off their car insurance based on how safely they drive, with a 10 percent discount earned automatically just for signing up. AmFam also allows policyholders to purchase Diminishing Deductibles, which credits drivers with a 12-month policy of $100 off their collision and comprehensive deductible for every year of safe driving, up to the full deductible amount.

Pros and cons of American Family car insurance

When shopping for the best car insurance, it’s important to evaluate a carrier’s options as well as the carrier itself. Here’s a quick summary of American Family car insurance to help you compare with other car insurance companies:

The best life insurance companies structure policies to allow policyholders to protect their loved ones’ financial futures in the event of an untimely death. AmFam offers term life insurance and whole life policies, as well as some other options, like simplified term, flexible life, senior whole life and children’s whole life policies. Whether you want to purchase life insurance for mortgage protection, income replacement or future tuition costs, AmFam’s different policy offerings and coverage options could provide solutions for your financial situation.

It may help to compare American Family to similar insurers before deciding if it’s the right fit for your insurance needs. With that in mind, you may find these insurers also worth considering:

Bankrate’s insurance editorial team reviewed average auto insurance premiums from hundreds of carriers. Our research shows that American Family’s rates are relatively low compared to the national average. This could be ideal for car owners looking for affordable insurance policies.

AmFam has additional insurance policy types, as well, which can help policyholders with more complex needs who want to keep their insurance products under the same company. Furthermore, the company offers many discount opportunities that could help you save on insurance — as long as the company is available in your state.

What are real-life customers saying about American Family?

A great way to gauge the satisfaction of other policyholders is to read online reviews from real customers. Platforms like TrustPilot offer customers the chance to share their experiences with the public. On Trustpilot, users can post comments, but only the verified company can respond.

The overall takeaway from these reviews is that American Family customers are happy with their rate and thrilled at the attention to detail and quality of customer service. Another positive indication of good customer service is that AmFam responds to all comments on Trustpilot, good or bad.

TrustPilot

American Family company details

If you are considering American Family for your insurance needs, here are some key contact details to help you get started:

• Customer service: 1-800-MYAMFAM (1-800-692-6326)
• Company website: amfam.com
• Claims: File a claim online or by calling customer service or your local agent
• Mailing address: 6000 American Parkway, Madison, WI 53783

State availability

American Family offers auto and life insurance policies in the following 19 states:  AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA and WI.

American Family tools and benefits

In addition to auto and life insurance, American Family also offers:

• Umbrella insurance: An umbrella policy will provide additional liability coverage over your underlying auto, home and other policies.
• Motorcycle: When looking for motorcycle coverage, don’t forget about your motorcycle gear. AmFam offers up to $1,000 of coverage for helmets, boots and other motorcycle safety gear.

Frequently asked questions about American Family

Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.