5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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American Family Insurance is the eighth-largest company in the U.S. car insurance industry, with more than 2% of the total market share.[1] The company offers an excellent selection of car insurance discounts and several endorsements for additional protection. In the J.D. Power 2024 U.S. Auto Insurance Study, American Family received an above-average customer satisfaction rating in several regions.
But the company only sells car insurance policies in 19 states, so it’s not an option for everyone. You should always compare quotes from multiple companies before making your policy selection.
Here’s what you need to know about coverage options from American Family auto insurance.
Quick Facts
The average American Family car insurance premium is $75 per month for liability coverage and $167 per month for full coverage.
American Family has an AM Best financial strength rating of A (Excellent), which indicates a strong ability to pay out claims.
The company receives fewer complaints than expected for its size, according to the National Association of Insurance Commissioners complaint index.
How American Family compares to other insurance companies
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$75/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$167/mo
American Family has better customer service than many other insurance companies, and it has more car insurance discounts. In terms of state availability, American Family has a similar coverage area to some of its competitors.
American Family’s rates are more expensive than some competitors, based on Insurify data. American Family also has a lower financial strength rating than some other insurers, like Erie and Auto-Owners.
Learn more about how American Family compares to similar competitors below.
Pros
High rates of customer satisfaction
Numerous discount and coverage options
Cons
Only available in 18 states
Rates are merely moderate compared to other insurers
They will work with you to help you get the best coverage for your dollar.
William - October 28, 2024
Verified
Price
The rates increase with every renewal period.
Karla - October 23, 2024
Verified
Experience
They were good, but my insurance kept increasing. It just became too expensive.
…
Factor
▲▼
How American Family Compares
▲▼
Rates
Higher
Customer service
Better than competitors
Discounts
More than competitors
Availability
Similar to competitors
Financial strength
Weaker than competitors
American Family Updates
Moody’s recently downgraded American Family’s insurance financial strength rating from A1 to A2.
American Family reported financial losses due to an increase in weather-related catastrophe claims and inflation.[2]
How American Family rates compare to competitors
American Family has more expensive car insurance rates compared to some of its biggest competitors.
Below, you can see how average full-coverage insurance rates from American Family and its competitors compare.
Full-Coverage Rates by Insurance Company
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Based on 3,806+ reviews
4.8/5
Average cost of American Family auto insurance
American Family has an average insurance premium of $75 per month for liability only and $167 for full coverage. People with clean driving records pay the lowest rates, whereas drivers with violations, like speeding tickets, car accidents, or DUIs, pay higher rates. American Family premiums are also more expensive for young drivers.
Below, you can see the average monthly cost of American Family liability car insurance for different driver types and profiles and how the company’s average rate compares to the national average.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
American Family car insurance cost by state
Every state except New Hampshire legally requires drivers to carry car insurance. The cost of car insurance varies depending on the state you live in, partially due to the state’s unique minimum-coverage requirements.
The table below shows American Family’s average liability insurance rates in most of the states where it operates and how they compare to the statewide average cost.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Georgia, Idaho, Kansas, Minnesota, North Dakota, and Oregon excluded due to lack of data.
American Family car insurance discounts
When choosing a car insurance company, it’s important to consider what discounts are available. Choosing an insurer that offers multiple car insurance discounts that you qualify for can help you get the most affordable rate.
Here are some of the discounts American Family offers to policyholders:[3]
Multi-vehicle
Customer loyalty
Good student
Auto safety equipment
Low mileage
Young volunteer
Generational
Pay in full
How customers feel about American Family
American Family has good online insurance reviews, with most customers citing a positive experience. The company has fewer complaints filed with the National Association of Insurance Commissioners (NAIC) than expected for its size and has high ratings from J.D. Power for overall claims satisfaction and customer satisfaction (in most U.S. regions).
American Family also has great reviews on Trustpilot. The company has a rating of 4.7 out of 5 based on more than 600 customer reviews. American Family’s A (Excellent) rating from AM Best demonstrates financial strength, though it’s lower than some of its competitors.
American Family customer reviews
Before you purchase American Family car insurance, it’s a good idea to read customer reviews. American Family reviews can help you get a better sense of the company’s strengths and weaknesses, which can be helpful when choosing an insurer.
Here are some American Family reviews from real, verified users.
Thad - October 29, 2024
Verified
Great
They will work with you to help you get the best coverage for your dollar.
William - October 28, 2024
Verified
Price
The rates increase with every renewal period.
Karla - October 23, 2024
Verified
Experience
They were good, but my insurance kept increasing. It just became too expensive.
Jared - October 21, 2024
Verified
American Family Insurance Rocks!
American Family Insurance is awesome, and their pricing through Costco cannot be beat.
…
American Family ratings
When comparing car insurance companies, it’s important to review ratings from third parties.
AM Best grades insurance companies based on their balance sheet strength and ability to meet financial and policyholder obligations. J.D. Power publishes numerous studies that score insurance companies based on factors like claims satisfaction and customer satisfaction using customer feedback. The NAIC scores insurers based on the number of complaints it receives in relation to its size.
Below, you can see American Family ratings from a few third-party organizations.
Rating
▲▼
Score
▲▼
What This Means
▲▼
AM Best
A (Excellent)
Excellent ability to pay claims
J.D. Power Claim Satisfaction Study
882 out of 1,000
Above average
NAIC Complaint Index
0.35
Fewer complaints than expected for a company of its size
American Family car insurance coverage options
American Family offers state-minimum coverage policies that include liability-only insurance. It also sells full-coverage policies with collision and comprehensive insurance. Compared to competitors, American Family offers roughly the same number of coverage options.
Here are some of the optional coverages and endorsements that you can add to your policy:
Personal injury protection provides some coverage for your and your passenger’s medical bills if you get into an accident, no matter which driver was at fault.
Rental car reimbursement coverage
Rental car reimbursement will cover the cost of a rental vehicle if your personal car needs repairs after a covered claim.
Gap coverage
Gap insurance will cover the difference between your car’s value and the amount you still owe the lender if you total your vehicle or someone steals it. This coverage is for people who lease or finance their vehicles.
Roadside assistance coverage
Roadside assistance covers basic vehicle repairs if your vehicle breaks down. Common services include fuel delivery, flat-tire changes, and battery jump-starts.
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Other options for American Family customers
American Family sells other types of insurance in addition to car insurance that you can potentially bundle. If you bundle auto and home insurance, you can earn a discount on your auto and home insurance rates.
Here are some of the other insurance products you can get from American Family:
Homeowners insurance: American Family home insurance covers the physical structure of your home and your personal property. It also covers third-party liability claims, medical payments, and loss of use.
Pet insurance: Pet insurance provides coverage for your pet’s veterinary bills. It usually covers visits related to accidents and illnesses.
RV insurance: RV insurance provides physical damage and liability coverage for RVs, including camper vans and travel trailers.
Umbrella insurance: Umbrella insurance provides additional personal liability insurance beyond what your standard car insurance policy includes.
Renters insurance: A renters insurance policy can provide coverage to your rental property. These policies include personal property coverage, personal liability coverage, medical payments coverage, and loss of use coverage.
How American Family’s DriveMyWay program works
American Family’s DriveMyWay program rewards safe drivers with a discount on their car insurance premiums. During trips, the MyAmFamDrive smartphone app tracks driving habits like speed, brake force, and distractions. You can also use your MyAmFam app to access proof of insurance and view your auto insurance ID card.
American Family customers who enroll in the program can earn an introductory discount of 10%. Most drivers save an additional 5%–20% when they demonstrate safe driving behaviors. But driving unsafely can lead to a rate increase.
American Family insurance FAQs
American Family is an excellent car insurance company for some drivers. If you’re thinking about purchasing auto insurance from American Family, here’s some more information to help guide your decision.
Is American Family legitimate?
Yes. American Family is a legitimate insurance company. It doesn’t have links to fraudulent business practices, and it has strong third-party ratings from organizations like AM Best, J.D. Power, and the NAIC. The company has its headquarters in Madison, Wisconsin.
What is the average cost of American Family car insurance?
The average cost of car insurance from American Family is $75 per month for liability-only coverage and $167 for full coverage.
Is American Family good at paying claims?
Yes. American Family is good at paying claims. It has an AM Best financial strength rating of A (Excellent) for financial stability and an above-average claims satisfaction rating from J.D. Power.
How do I cancel my American Family insurance policy?
You can cancel an American Family car insurance policy in two ways. You can contact your American Family local agent or the company’s customer support department at 1 (833) 381-1155. An agent can also help you make other policy changes.
What company owns American Family insurance?
American Family is a privately owned mutual insurance company, which means policyholders wholly own the company.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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