American Family Auto Insurance Review for 2022

UPDATED: Nov 10, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Nov 10, 2022

Advertiser Disclosure

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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Nov 10, 2022

Advertiser Disclosure

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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.

UPDATED: Nov 10, 2022Fact Checked
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American Family

Average annual rate for good drivers:

$1,386

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Lower rates for teens, drivers with low credit scores, and people with a DUI
  • One of the longest lists of available discounts for any insurance company
  • Availability of several add-on insurance products

Cons

  • Not available in every state
  • Customers don’t consistently report satisfaction
  • Fewer customization options than large companies

The Bottom Line

While American Family rates aren’t the cheapest on the market, it might be affordable if you’re a young driver, have low credit, or have a DUI on your credit score. American Family also offers excellent add-ons and extra features, which might make the slightly higher prices worth it.

While American Family has excellent coverage options, drivers must decide if the higher rates are worth it. The best way to determine if American Family is your best choice is to compare rates with as many companies as possible.

American Family isn’t the largest or most well-known insurance company on the market, but every driver should look at what it offers. While it’s not available in every state, drivers who live in American Family areas might find it has the cheapest rates.

American Family’s insurance rates are usually slightly lower than average. However, American Family offers lower rates for young drivers, people with low credit scores, or drivers with a DUI.

Read on to learn more about American Family car insurance and if it’s the right fit for you. Then, compare rates with as many companies as possible to find the best policy for you.

Is American Family Insurance a Good Choice?

While it sells solid policies, American Family Insurance reviews are mixed.

A company’s financial stability is one of the most important aspects to consider when shopping for car insurance. A.M. Best rates companies on their financial strength and gives American Family an excellent rating of A.

As for prices, American Family’s rates are usually a little lower than the national average, but companies like GEICO and State Farm are often cheaper.

There are a few things that set American Family apart from its competitors. While American Family’s rates are about average, young drivers, people with low credit scores, and drivers with a DUI might find lower rates.

Additionally, American Family offers features that can be hard to find elsewhere, like its ForeverCar program.

Does American Family have good customer service?

Unfortunately, American Family Insurance customer service reviews aren’t always positive. Most customers report difficulty getting in contact with representatives. Reports also say that many customers aren’t satisfied with their service.

Another good way to look at how well a company does with customer service is with third-party ratings. For example, the National Association of Insurance Commissioners rates companies on the number of complaints they receive compared to their size. 1.0 is the national average, with higher scores meaning the company receives more complaints.

American Family has a 1.18, meaning it gets slightly more complaints than the average company.

Another place to look is at the Better Business Bureau (BBB). The BBB rates companies on their ability to resolve customer complaints, and American Family has an A.

Finally, J.D. Power reports high satisfaction levels with the shopping experience of American Family, but customer service experiences vary by region.

American Family Insurance Rates

Although insurance companies look at a variety of factors, an excellent place to start your search for the cheapest coverage is with average rates. American Family’s rates are usually slightly cheaper than the national average, but you can find other more affordable options.

You can compare American Family’s average rates below with other major insurance companies.

Monthly Minimum vs. Full Coverage Rates for the Top 10 Auto Insurance Companies
Insurance CompanyAverage Minimum Coverage RatesAverage Full Coverage Rates
Allstate$50$166
American Family$49$116
Farmers$57$140
GEICO$24$82
Liberty Mutual$64$177
Nationwide$49$120
Progressive$40$109
State Farm$34$91
Travelers$39$107
Average$45$123

As you can see, American Family’s rates are fairly average compared to other companies. However, you might find cheaper rates with American Family, depending on your situation.

American Family Insurance Rates by Location

Insurance companies look at many factors when crafting your rates; one of the most impactful is your location. Things like your state’s minimum insurance laws, vehicle crime rates, extreme weather risk, and overall traffic density play a role in your coverage rates.

American Family sells car insurance in 19 states, all requiring coverage before you can legally drive or register a vehicle. Below, you can get an idea of what the average driver in each state pays for American Family insurance.

Average Annual Full Coverage Auto Insurance Rates by State
StateAllstateFarmersGEICOLiberty MutualNationwideProgressiveState FarmTravelersAverage
AK$1,667 $1,195 $807$1,223
AL$1,332 $1,644 $1,099 $1,999 $1,189 $1,388 $1,337 $972$1,370
AR$2,007 $1,120 $1,227 $1,581 $1,620 $989$1,367 $1,416
AZ$2,226 $1,664 $808$1,436 $1,039 $999$1,292 $1,352
CA$1,996 $1,553 $1,774
CO$2,054 $2,010 $1,161 $1,133 $1,324 $1,490 $1,168 $1,475
CT$2,421 $768$2,486 $1,382 $1,641 $1,126 $1,030 $1,550
DC$2,976 $855$2,126 $1,420 $1,371 $1,750
DE$2,555 $1,243 $6,117 $1,777 $1,115 $1,431 $1,019 $2,180
FL$2,263 $1,103 $1,995 $1,272 $1,889 $1,223 $1,624
GA$2,035 $754$3,259 $1,878 $1,417 $1,324 $1,778
HI$1,113
IA$1,008 $1,006 $1,432 $900$930$804$1,143 $1,049
ID$1,587 $1,139 $708$975$1,018 $653$707$992
IL$2,172 $587$935$1,146 $1,103 $796$1,077 $1,153
IN$1,729 $977$785$2,269 $1,198 $849$872$856$1,207
KS$1,973 $1,781 $923$2,148 $1,141 $1,575 $1,003 $1,071 $1,447
KY$988$2,080 $2,277 $1,377 $1,212 $1,725 $1,610
LA$2,547 $1,739 $1,990 $1,537 $1,953
MA$1,342
MD$2,481 $1,671 $1,313 $1,493 $1,322 $1,656
ME$1,334 $1,446 $454$1,485 $1,166 $724$759$1,053
MI$5,017 $4,140 $1,219 $5,250 $3,184 $1,880 $2,585 $2,268 $3,193
MN$1,977 $1,333 $1,118 $4,640 $1,070 $828$1,732
MO$1,831 $1,674 $1,112 $1,597 $816$1,212 $1,051 $1,326
MS$1,822 $886$1,477 $1,190 $1,487 $1,018 $1,092 $1,282
MT$1,903 $2,025 $1,020 $726$1,093 $2,109 $870$1,392
NC$2,095 $851$1,020 $1,367 $393$949$1,228 $1,129
ND$1,679 $1,324 $749$4,919 $949$1,364 $943$1,715
NE$1,545 $1,606 $1,139 $2,213 $952$1,175 $850$1,358
NH$1,585 $624$2,453 $953$785$729$1,188
NJ$1,948 $2,861 $917$3,446 $1,154 $1,403 $1,679 $1,915
NM$1,958 $1,615 $1,119 $1,186 $1,069 $855$1,300
NV$2,046 $1,915 $1,361 $1,375 $1,386 $1,018 $1,272 $1,122 $1,470
NY$1,820 $963$2,473 $2,026 $1,188 $1,695 $2,159 $1,761
OH$1,483 $1,193 $728$1,311 $1,408 $1,051 $863$784$1,065
OK$1,668 $1,684 $1,350 $2,279 $1,362 $1,122 $1,577
OR$1,896 $1,378 $1,155 $1,738 $1,372 $959$926$1,197 $1,326
PA$1,829 $843$2,704 $1,066 $1,834 $938$931$1,449
RI$2,333 $1,547 $2,905 $2,351 $1,438 $939$1,275 $1,827
SC$1,650 $2,059 $979$1,459 $1,294 $1,089 $1,422
SD$1,682 $1,398 $706$2,849 $943$1,298 $827$1,446
TN$1,777 $1,065 $970$1,464 $1,141 $895$1,090 $1,200
TX$2,488 $1,303 $1,908 $1,493 $1,109 $1,745
UT$1,442 $1,417 $906$1,466 $1,154 $1,174 $1,269 $1,266
VA$1,277 $859$1,061 $754$785$947
VT$1,759 $469$1,242 $954$2,233 $1,079 $1,289
WA$1,415 $1,260 $922$1,140 $866$746$858$1,042
WI$1,521 $1,346 $766$1,039 $2,797 $1,158 $721$1,265
WV$2,000 $1,030 $2,419 $1,288 $1,362 $979$1,513
WY$1,918 $1,604 $1,369 $922$1,017 $1,366

Although American Family auto insurance rates are usually lower than the national average, some states pay much more than others. Some states — especially no-fault states like Florida and Michigan — have higher rates because they require more insurance.

Other states pay more due to other factors. For example, Californian drivers tend to pay higher prices because of heavy traffic and increased car thefts, while Louisiana has higher rates due to uninsured drivers and coastal weather.

American Family Insurance Rates by Age and Gender

In addition to location, age and gender are incredibly important factors in setting rates. Insurance companies carefully track who files claims and have detailed numbers for each age group.

Teen drivers pay some of the highest rates for car insurance because they’re more likely to drive recklessly and lack experience on the road. In addition, new drivers don’t have a driving record for companies to look at, so they have no idea how risky a driver might be.

Men also pay higher rates for similar reasons. Men statistically get into more accidents, engage in road rage, and drive under the influence than women.

The good news is that your rates won’t stay high forever. Teen drivers who keep their driving record clean see their rates lower by age 25, while the gap between genders lessens with age.

Monthly Full Coverage Auto Insurance Rates by Age and Gender for the Top Insurance Companies
Age and GenderAllstateAmerican FamilyFarmersGEICOLiberty MutualNationwideProgressiveState FarmTravelersNational Average
18 Y/O Male w/a Clean Record$519$390$603$254$633$387$662$284$729 $496
18 Y/O Female w/a Clean Record$448$288$573$220$528$303$591$229$523$411
30 Y/O Male w/a Clean Record$177$129$160$87$198$139$136$103$106$137
30 Y/O Female w/a Clean Record$168$109$154$90$173$127$131$94$98$127
45 Y/O Male w/a Clean Record$160$110$133$80$172$115$195$86$97$118
45 Y/O Female w/a Clean Record$162$109$134$80$170$113$112$86$96$118
55 Y/O Male w/a Clean Record$152$104$126$76$163$109$100$82$92$112
55 Y/O Female w/a Clean Record$153$103$127$76$161$107$106$82$91$112
65 Y/O Male w/a Clean Record$157$108$130$78$169$112$102$84$95$115
65 Y/O Female w/a Clean Record$157$106$130$78$169$112$109$84$95$115

One group that American Family car insurance excels with is young drivers. AmFam insurance rates tend to be much lower than the national average. It doesn’t take the top spot for the cheapest teenage rates, but American Family is still affordable for new drivers.

American Family Insurance Rates for Low Credit Scores

One factor affecting car insurance rates that often catches drivers off-guard is credit scores. Every state American Family sells car insurance allows companies to use credit scores when crafting rates, so drivers with low scores will pay more.

Car insurance companies charge more for low credit scores for two reasons. First, people with lower scores are statistically more likely to file a claim. Additionally, companies assume that having a higher score means you’re more likely to pay your bills on time.

While drivers with low credit scores typically pay about $100 more per month than people with higher scores, higher prices aren’t permanent. Your car insurance rates will lower as you improve your credit score.

Average Monthly Auto Insurance Rates by Credit Rating
Insurance CompanyRates with Poor CreditRates with Fair CreditRates with Good Credit
American Family$203$136$116
Farmers$269$161$139
GEICO$148$100$82
Liberty Mutual$357$226$176
Nationwide$165$132$120
Progressive$206$137$109
State Farm$200$117$90
Travelers$194$127$107
Allstate$296$196$166
Average$226$148$123

American Family car insurance rates are lower than the national average for people with low credit scores. Although GEICO and Nationwide usually have lower rates, you might find that insurance from American Family is your cheapest option, depending on other factors.

American Family Insurance Rates After Traffic Incidents

One of the easiest ways for a car insurance company to determine your risk level is by looking at your driving history. Even a small ticket can significantly increase your insurance rates because people with one infraction are more likely to add another in the future.

Depending on the infraction, American Family tends to offer lower-than-average rates. For example, an American Family driver with a single speeding ticket pays about $134 a month, while the national average is $159.

Average Monthly Rates for the Top Insurance Companies for Drivers with a Traffic Ticket
Insurance CompanyRates with a TicketRates with a Clean Record
Allstate$225$160
American Family$175$117
Farmers$198$139
GEICO$132$80
Liberty Mutual$234$173
Nationwide$161$115
Progressive$186$105
State Farm$102$86
Travelers$139$99
Average$152$123
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Once again, American Family’s rates fall in the middle, with companies like GEICO, State Farm, and Travelers offering better prices.

Average Monthly Rates for the Top Insurance Companies for Drivers with an Accident
Insurance CompanyRates with an Accident
Allstate$237
American Family$166
Farmers$198
GEICO$132
Liberty Mutual$236
Nationwide$165
Progressive$190
State Farm$107
Travelers$157
Average$176

If you get a ticket or cause an accident, it’s important that you avoid future traffic violations. Your rates should return to normal if you can keep your record clean for about three years.

American Family Insurance Rates After a DUI

Of all the factors, DUIs have some of the biggest impacts on your insurance rates. Aside from legal fees, license suspension, and jail time, insurance rate increases are a lasting consequence of a DUI.

Finding affordable insurance after a DUI is usually a challenge. All companies will raise your rates, but some may refuse to work with you after even a single DUI. Drivers with a DUI often need to find high-risk insurance, especially if they have multiple charges on their record. Here’s a list of auto insurance companies accepting DUIs.

If your insurer doesn’t drop you, expect your rates to at least double, if not triple. However, some companies are more forgiving than others regarding a DUI, so comparing rates is vital. You might pay thousands of dollars extra if you don’t seek new insurance.

Average Monthly Rates for the Top Insurance Companies for Drivers with a DUI
Insurance CompanyRates with a DUI
Allstate$303
American Family$177
Farmers$191
GEICO$213
Liberty Mutual$325
Nationwide$252
Progressive$146
State Farm$124
Travelers$230
Average$218

American Family is relatively forgiving of your first DUI charge, offering some of the cheapest rates for DUI drivers. In some states, American Family is the most affordable option for insurance after a DUI. You’ll also probably need SR-22 insurance, which American Family can help file.

DUIs eventually fall off your record, though the exact amount of time depends on your state’s laws. Once your record is clear, your rates will start to return to normal. However, this process takes longer for DUIs — the typical DUI affects your rates for seven years.

American Family vs. the Competition

You’ll need to compare rates with your unique factors in mind, but looking at the average rates by company is a good way to see where you should look for coverage.

American Family is fairly average compared to other companies. However, the cheapest rates aren’t necessarily the best — compare everything a company offers before making a final decision.

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American Family Insurance Discounts Available

American Family’s rates might be average, but its selection of discounts isn’t — AmFam has one of the longest lists of available savings. When buying a policy from American Family, you might be eligible for the following car insurance discounts:

  • Early bird. Earn this discount by signing up for an American Family policy at least seven days before it goes into effect.
  • Multi-policy. American Family offers various insurance products to protect everything important in your life. You’ll save on your insurance when you buy more than one policy.
  • Multi-vehicle. If your household has more than one vehicle, American Family will reduce your rates if you add them to the same policy.
  • Loyalty. The longer you remain an American Family customer, the more you’ll save.
  • Steer into savings. American Family rewards new customers if they have a car insurance policy with a different company.
  • Defensive driver. Drivers 55 or older can earn a discount for passing an approved defensive driving course.
  • Good driver. American Family rewards drivers who keep their records free of accidents, traffic tickets, or other claims.
  • Safety equipment. You’ll earn reduced rates if your vehicle has safety equipment like air bags or anti-lock brakes.
  • Low mileage. Drivers who put less than 7,500 miles annually on their car save on their policy.
  • Good student. Full-time students under 25 can earn lower rates by maintaining a 3.0 GPA.
  • Away at school. Students who live more than 100 miles from home for school can see significant savings if they leave their car behind.
  • Generational. American Family discounts young drivers if a parent or guardian is a current customer.
  • Young volunteer. Volunteers under 25 who perform 40 hours of volunteer work per year have their kindness returned with a discount.
  • Paperless. Earn a small discount by electing to receive all documents and notifications digitally.
  • Autopay. You’ll pay a little less for your car insurance if you allow American Family to withdraw directly from your bank account.
  • Pay in full. Most people pay their car insurance monthly, but you can earn a small discount by paying for your entire policy at once.

American Family has the second-longest list of discounts for major car insurance companies, losing the top spot to Farmers. With this many discounts, most drivers find at least a few they can receive. Most discounts apply to your insurance when you get a policy, but you can always contact a representative to ensure you’re getting every possible discount.

KnowYourDrive by American Family

Most major insurance companies offer a usage-based insurance program for drivers looking to save even more on their policies. Usage-based insurance tracks driving behaviors and gives safe drivers a discount. These programs are a good choice for low-mileage drivers, remote workers, and people who consistently drive well.

American Family’s usage-based insurance program is KnowYourDrive. With KnowYourDrive, you can get up to 20% off your policy if you practice safe habits, with an automatic 10% savings just for signing up.

KnowYourDrive works through the American Family app and doesn’t require a physical device in your car. The app tracks the following behaviors while you drive:

  • Mileage
  • Harsh braking
  • Hard acceleration
  • Speeding
  • When you drive
  • Phone distractions

While the savings are worth looking into KnowYourDrive, there are a few things to consider. First, the app always runs in your phone’s background, affecting your battery life. If you plan on taking a long road trip, plug in your phone.

You should also keep an eye on your data plan — KnowYourDrive uses data to track your driving.

Teen Safe Driver by American Family

American Family knows teen car insurance rates are expensive, so it offers the Teen Safe Driver program. Like the KnowYourDrive app, the Teen Safe Driver program tracks driving behavior through a teen’s phone.

Teen Safe Driver aims to help young drivers improve their skills by making suggestions about driving habits. It also allows a parent or guardian to track how their teen drives on their own phone.

Once a teen logs 3,000 miles or completes a year, they’ll earn a 10% discount on their insurance. Drivers up to 21 are eligible for this program.

American Family Insurance Coverage Options

As a mid-sized insurance company, you can expect American Family to sell the basic coverage types you need for a standard policy. The two most common types are minimum insurance and full coverage.

Minimum auto insurance refers to the least amount of insurance you can buy to drive legally. Each of the 19 states American Family operates in requires minimum insurance, though some states demand more coverage than others.

No state requires full coverage, but you’ll probably need it if you have a car loan or lease. Full coverage is also good for people who own a newer or more expensive vehicle and can’t afford to replace the car outright.

To meet all your coverage needs, American Family offers the following insurance:

  • Bodily injury liability. Bodily injury liability pays for damages resulting from injuries to others when you’re at fault in an accident. All 19 American Family states require this and property damage liability insurance.
  • Property damage liability. Property damage liability pays for damage you cause to cars, buildings, and other property. It doesn’t cover your vehicle.
  • Collision. You need collision insurance to help with your car repairs after an accident. Collision insurance covers you no matter who caused the accident or if you run into a stationary object like a light post.
  • Comprehensive. While collision insurance repairs your car after an accident, you’ll need comprehensive coverage to cover your vehicle from weather, fire, theft, and vandalism.
  • Uninsured/underinsured motorist. If a driver no insurance or insufficient insurance hits you, uninsured motorist insurance picks up the repair bill. It also covers you if you’re the victim of a hit-and-run.
  • Personal injury protection/medical payments. Medical bills after an accident can get expensive, but personal injury protection or medical payments insurance helps pay for you and your passengers.

A full coverage policy consists of the coverages listed above. People looking for their state’s minimum insurance need at least liability insurance but may also need uninsured motorist or personal injury protection. If you don’t know your state’s laws, an American Family representative can help.

Does American Family sell car insurance add-ons?

While the basic coverage options can give your car relatively complete protection, most companies offer add-ons to increase your policy’s value. American Family offers several good choices, including:

  • GAP coverage. If you total a new car and its value is less than you owe on your loan, you’ll end up paying for a vehicle you no longer own. GAP coverage protects you from an underwater loan by paying the difference.
  • Rental car reimbursement. If your car gets stuck in the repair shop after a covered incident, American Family pays for your rental car.
  • Roadside assistance. American Family’s roadside assistance comes to your rescue if your car isn’t working. Roadside assistance service includes towing, battery jumps, and fuel delivery.
  • Accidental death and dismemberment. This coverage pays for death expenses or medical bills if you get killed or seriously injured in an accident, regardless of fault.
  • Accident forgiveness. AmFam will ignore your first accident by not increasing your rates or revoking good driver discounts. You’ll still need to file a claim and pay your deductible.
  • Diminishing deductible. Every year you go without filing a claim, American Family will credit your account $100 toward your deductible.
  • Original equipment manufacturer (OEM) coverage. If your car is under seven years old, you can purchase OEM insurance or Custom Parts and Equipment (CPE) coverage to ensure repair shops don’t use aftermarket parts to fix your vehicle.

American Family offers plenty of options to customize your policy, but you should only buy what you need. While they add valuable coverage to your policy, add-ons can also significantly increase your rates.

Do American Family policies come with extra features?

American Family offers a few extra features with car insurance policies, some of which are hard to find elsewhere. When you buy an American Family car insurance policy, you can choose the following extra features:

  • Dreams Restored. If you need a mechanic after an accident, American Family has a list of trustworthy shops in your area. As a bonus, any work done by a Dreams Repaired mechanic is guaranteed by American Family.
  • Safelite windshield and glass repair. American Family partners with Safelite to make windshield repairs easy and can send a glass technician to your home. If you have comprehensive insurance, American Family usually waives your deductible if your windshield can get repaired.
  • ForeverCar. This monthly subscription service acts like car repair insurance and helps pay for unexpected repairs and some maintenance costs.

American Family rates aren’t usually the cheapest, but the extra benefits make AmFam plans a little more valuable. A representative can give you more information if you’re interested in any of these extra features.

What other types of car insurance does American Family sell?

Aside from car insurance, American Family offers several other policies, including:

  • Home/renters/condo/manufactured home
  • Personal property
  • Motorcycle
  • RV and camper
  • ATV and snowmobile
  • Farm and ranch
  • Livestock and cattle
  • Tractor and equipment
  • Boat
  • Business
  • Life
  • Health
  • Pet
  • Umbrella
  • Travel

As you can see, American Family offers various products. Like its car policies, American Family insurance rates for most products are average.

American Family writes most of its own insurance, but AmFam partners write its health, pet, and travel plans.

Frequently Asked Questions

Where does American Family sell car insurance?

American Family sells car insurance 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.

Does American Family cover rental cars?

There are two ways your American Family car insurance covers rental cars. First, if you have rental car reimbursement, your policy pays your travel expenses when your vehicle gets stuck in the shop.

Additionally, your personal policy applies to cars you rent in the U.S.

Does American Family offer accident forgiveness?

Drivers can add accident forgiveness to their policy if they’ve had no accident within the last 12 months and only one accident in the previous three years. American Family will ignore your first accident if you buy this add-on, but you’ll still need to file a claim and pay your deductible.

Does American Family offer roadside assistance?

American Family’s roadside assistance add-on helps with towing, roadside mechanical repairs, battery jumps, fuel and oil delivery, towing, and flat tire changes.

Does American Family sell GAP insurance?

GAP coverage protects you from paying for a car you no longer own. You can purchase GAP insurance from American Family, so you don’t need to worry about paying on an upside-down loan.

How much do your American Family insurance rates increase after an accident?

While the exact increase depends on factors like fault and damages, the average American Family customer sees a 24% increase after an accident.

How do you file American Family claims?

You have several options to file a claim. You can start a claim with the MyAmFam mobile app or fill out a form online. Alternatively, you can call the American Family claims phone number and speak with a representative.

Can you cancel your American Family policy online?

Unfortunately, you can’t cancel your American Family policy online. Instead, you’ll need to contact an American Family representative by phone or in-person to cancel your policy.

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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.

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

Reviews
for American Family Insurance

4.04 (2,180 reviews)
5
September 6, 2022

TammyNelson

Great auto insurance for Costco Members through Connect

I like working direct with insurance companies for simple coverage like auto insurance. They make it easy. They're professional and knowledgeable and fast. Great discounts for Costco members too.
5
January 15, 2021

Doggy

Awesome

Awesome, highly recommend using this company. Best I’ve ever dealt with thus far, great costumer service
4
January 14, 2021

flip2score7

am fam review

for the most part, there have been no issues in the years I have been on their insurance with family and then subsequently purchasing my own with them. however, they are sometimes slow to send things out.
2
October 15, 2020

timtone

Unexpected charges

They charged me a fee to use my card instead of a check what is this 1965? I left for a more 2020 provider esurance!
5
October 15, 2020

ely135

American Family tops any other insurance company

This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals a...
This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals actually received a quote that did not have at least one discount on it! When a company has amazing customer service and really cares about saving you money, it's hard to believe that the coverage you are provided could really be anything other than terrible. American Family strives to leave you flabbergasted. My auto insurance is everything I want/need, and I'm paying a premium that is $200 below what any and all other companies quoted me!
5
October 12, 2020

snoopyhugs18

When a 90-minute Meeting Saved Us $596!

Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we s...
Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we switched from our former insurer! The new policy was underwritten and ready for us to sign in less than 24 hours. American Family's online tools are easy and efficient to use, yet they look and feel secure. After a 6-year break from American Family because there was no local agent where we previously lived, I am so glad to be back!
5
October 2, 2020

DomMar35

Boss

American Family Insurance is an amazing company that acts quickly on claims and works to ensure customer satisfaction
5
October 2, 2020

ruthjahncoz

a bright point in a dark time

We were in a bad car crash. The other car was at fault, but we had car replacement coverage. We had the money to buy a new to us car in less than three weeks. We covered our new to us car with them. We had to talk to several departments during this time and everyone was helpful.
5
June 12, 2020

LillyM

Young but excited about Insurance!

I think they are good so far, I can't wait to get the decrease in insurance payment at the age of 25. Just 6 more years to go!
5
May 5, 2020

KatieM

My AMFAM experience

Good service always! very friendly, easy to work with, available to anser all my quesitions, very profesional .
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