American Family Insurance, often referred to as AmFam, was established in 1927 in Madison, Wisconsin. American Family is currently available in 19 states.

Jerry

reviewed customer feedback and ratings provided on a series of surveys of insurance companies. American Family received a good rating, especially in the areas of customer support and prices.

Here's how American Family auto insurance policyholders rated their experience with the company:

Overall score: 4.3/5

Cost: 4.3/5

Customer service: 4.7/5

Claims process: 4.3/5

Buying process: 4.7/5

Renewal process: 4.5/5

So, is American Family a good insurance company?

American Family is an overall good insurance company.

Out of all the customer reviews we received for American Family, 75% were five-star reviews and 12.5% were four-star reviews. Only 12.5% of the reviews were not favorable.

On average, across all categories of our study, 64% of reviews are positive and 18.54% are negative, so American Family did well in our survey.

American Family received a lot of complimentary comments, with praise directed at its friendly and prompt customer support.

Pros:

Great prices

Helpful customer service

A feeling that American Family cares about their customers

Cons:

A sudden increase in their premiums

The discounts were not as helpful as they would have liked

In our comprehensive survey, we asked real policyholders about their experiences with American Family's costs, claims process, customer service, and policy renewal.

When examining American Family’s pros and cons, we wanted to see how other industry leaders, including the National Association of Insurance Commissioners (NAIC) and Better Business Bureau (BBB), rated them. Here’s how American Family ranks against the national average for other insurance companies in the US:

Criteria	American Family	Best Score Possible
BBB Rating	A	A+
NAIC Rating	0.43	6
Clearsurance	4.04	5
A.M. Best Rating	A	A++
IOS App Store Rating	4.8	5
Google Play Store Rating	3.6	5

*Note that a greater NAIC score indicates increased risk.

American Family pros and cons

We reviewed data from our nationwide satisfaction survey and ratings provided by independent third parties and came up with the following advantages and disadvantages of purchasing a car insurance policy from American Family:

Pros

Helpful insurance agents

A wide range of coverage options

Helpful discounts

An above-average rating in the

J.D. Power 2023 U.S. Insurance Shopping Study

Cons

Not available everywhere

Occasional rate increases

A low rating on the

BBB website

Is American Family the right insurance company for you?

American Family has a reputation for being one of the best car insurance companies for:

Young drivers

Risky drivers

American Family is not widely available, though.

You can purchase an auto policy with American Family in the following 19 states:
AZ,

CO,

GA,

ID,

IL,

IN,

IA,

KS,

MN,

MO,

NE,

NV,

ND,

OH,

OR,

SD,

UT,

WA,

WI

American Family’s insurance products include:

Vehicle: Car,

motorcycle

, boat, ATV, snowmobile, RV and camper

Property:

Home insurance

renters insurance

, condo insurance, manufactured home, personal property

Personal:

Pet insurance,

whole life insurance, umbrella insurance, travel insurance

Commercial: Farm and ranch, cattle and livestock coverage, tractor and equipment coverage, business

Is American Family car insurance expensive?

In general, American Family's car insurance rates are about average. Ultimately, your rates will depend on your driver profile. If you have any accidents or DUIs on your record, for example, American Family might be a little more expensive than other companies.

According to our survey, 12.5% of our respondents said that American Family’s premiums go up frequently.

When you go shopping for car insurance quotes, keep in mind that your rates will vary depending on the company and your driver profile. Most insurance companies, including American Family, will factor in the following criteria when they calculate your car insurance rates:

Zip code

Personal financial history

Driving record

Your vehicle's age, make, and model

Discount eligibility

Will American Family raise your rates?

It’s possible that when you

renew your policy

with American Family, they will raise your rates. The same is true for other car insurance companies too.

Here are some ways you can avoid a rate increase with American Family:

Stay claim-free

Don’t speed

Don’t be late with your payment

Some factors that are harder to control might cause an increase in your premium, such as:

Moving

Your job

Inflation

It’s important to remember that Insurance rates tend to change over time regardless of your driving record, life decisions, and location. Factors that are out of your control, like inflation, can result in price fluctuations for you and other drivers.

Does American Family resolve claims fast?

How quickly American Family can process an

insurance claim

will vary based on the claim type and severity. After you submit your claim, American Family’s review process will go over everything you submitted, such as the police report, photos, and any other records from the accident. As your claim progresses, American Family’s team will contact you. They will also let you know if they need more documents.

You can file a claim through American Family’s MyAmFam app or you can call them at 1-800-MYAMFAM (1-800-692-6326).

Does American Family have good customer service?

American Family’s customer service is consistently rated well.

Reviews that gave American Family's customer service high marks often talked about how easy it was to get in touch with an insurance agent and how personal the service felt.

American Family car insurance discounts

There are several

discounts

available through American Family. Discounts can save you a lot of money on your car insurance premium.

Behaviors like driving safely, bundling policies, and going paperless can earn you a discount with American Family. Checking out the types of discounts that are offered by American Family and other insurance companies is an effective way to see how much money you can save on your car insurance premium.

American Family offers the following discounts:

Multiple-policy discount

: American Family offers various bundling discounts, including: Auto insurance and life insurance bundles, auto insurance and renters insurance bundles, and homeowners insurance and auto insurance bundles.

Multiple-vehicle discount: Insuring more than one car with American Family can earn you a discount.

Pay-how-you-drive safe driving program: Enrolling in American Family’s

usage-based telematics program

—KnowYourDrive—can save you money.

Good driving discount: If you don’t have any accidents, violations, or claims on your record for five years, you might be eligible for a discount.

Defensive driver discount: Drivers over the age of 55 in certain states can receive a defensive driver discount.

Steer into savings discount: Switching from another insurance company to American Family can get you a discount.

Low mileage discount: If you drive less than 7,500 miles a year, you can save.

Early bird discount: If you have a policy with another insurance company and request a quote from American Family seven days before your policy starts, you can get a discount.

Loyalty discount: Depending on how long you have been an American Family customer, you can earn a discount.

Smart payments discount: If you sign-up for automatic payments, pay in full, or go paperless, you can receive a discount.

American Family’s discounts are subject to change. Contact an American Family insurance agent or check out the American Family website to learn more about their discounts.

American Family coverage options

American Family sells the

minimum car insurance coverage

required by state law as well as optional extras. Typically, it’s a good idea to invest in a

full coverage insurance policy

that meets all of your insurance needs.

Coverage to protect your car

Collision insurance

: If your car is hit by another driver or if you hit someone else’s vehicle, collision coverage has you covered. Collision also covers you if you strike an object, such as a guardrail or tree.

Comprehensive insurance

: Comprehensive coverage protects your car from events other than collisions with a car or object, such as fire, theft, vandalism, and collisions with an animal.

Liability and car accident injury coverage types

Property damage liability coverage

: This option will cover the other driver’s vehicle and property in the event of an accident.

Bodily injury liability coverage

: If you are in an at-fault accident, this insurance will cover the other driver’s accident-related medical expenses.

Medical expense (MedPay) coverage

: This type of insurance will cover you and your passengers’ medical expenses, regardless of whether you’re at fault.

Personal injury protection (PIP)

: PIP will help cover you and your passengers’ medical expenses, lost income, and more after an accident, regardless of fault.

Car insurance coverage add-ons

Accidental death and dismemberment coverage: This coverage will pay out when a death or certain injuries happen during an accident.

Car insurance minimum requirements by state: Every state has minimum car insurance requirements. American Family sells all of the coverages you need to drive legally.

Emergency roadside assistance

: With this add-on you can use the MyAmFam app or call 1-800-MYAMFAM (692-6326) to access emergency roadside services, such as towing and battery jumpstarts.

Gap coverage

: Gap insurance pays the difference between what your leased or financed car is worth and how much you owe on your car after it has been totaled in an accident.

Rental reimbursement coverage

: This coverage add-on will provide you with a rental car if your car is in the shop for repairs after a claimable incident.

Underinsured motorist coverage

: Underinsured motorist insurance will help cover your vehicle if you are involved in an accident with a driver who has insufficient insurance coverage.

Uninsured motorist coverage

: This coverage will help pay for your injuries if you are involved in an accident with a driver who does not have car insurance. It also covers hit-and-runs.

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FAQ

Is Connect Insurance run by American Family Insurance?

American Family Insurance purchased Connect Insurance and underwrites Connect’s insurance policies.

Who offers the cheapest car insurance: Farmers, Allstate, or American Family?

How much each car insurance company charges you for a policy will depend on myriad factors, including your driver profile, vehicle, location, credit score, discount eligibility, and more. You can contact local agents or use the

Jerry

app to receive free quotes from

Farmers

Allstate

, and American Family.

Meet our experts

Hillary Kobayashi

Hillary Kobayashi is an insurance writer and editor specializing in insurance and finance topics. Hillary’s mission is to use her knowledge and love of education to help car owners better understand how they can save time and money on car ownership. The articles Hillary has published for Jerry span topics from state-specific bill of sale requirements to SR-22 insurance information.

Prior to joining Jerry, Hillary spent over ten years in education at Pacific University and the University of Oregon.

Amy Bobinger

Licensed Insurance Agent — Expert Insurance Editor

Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.

Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.