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:
| Good driver, good credit | $3,067 | $2,671 |
| Good driver, poor credit | $4,442 | $4,693 |
| Speeding ticket with good credit | $3,358 | $3,272 |
| At-fault accident with good credit | $3,764 | $3,841 |
| DUI conviction with good credit | $3,831 | $5,233 |
| Age 16 | $5,052 | $5,710 |
| Age 18 | $5,041 | $4,925 |
| Age 20 | $6,146 | $5,398 |
| Age 25 | $3,265 | $3,294 |
| Age 30 | $3,072 | $2,850 |
| American Family | $3,067 | $976 |
| State Farm | $2,676 | $897 |
| Progressive | $2,189 | $729 |
| Allstate | $3,354 | $985 |
| USAA | $2,059 | $596 |
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:
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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)
- 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.