American Family Auto Insurance Review

Affordable coverage and respectable (if slightly below-average) claims satisfaction ratings make American Family a reliable go-to option for car insurance.

star2star2star2star2starLight

Overview

American Family offers both a wide range of coverage options and an impressive list of discounts, making it a good option for your average driver looking to snag a deal on car insurance.

American Family may have a company history that dates all the way back to 1927, but it’s very much a 21st century operation. The company’s MyAmFam mobile app makes it easy for drivers to pay bills and contact roadside assistance, and the optional KnowYourDrive program will track your driving behavior through your smartphone and award discounts to safe drivers.

When it comes to claims satisfaction, American Family scored an 853 on the J.D. Power 2018 U.S. Auto Claims Satisfaction Study, below the industry average of 861 and about on par with competitors like MetLife and Esurance, but well below some others, like Amica Mutual, Farmers and Travelers. On the Consumer Reports review of car insurance American Family scored an 89, with especially high ratings for ease of reaching an agent and timeliness of claims payments.

One of its largest disadvantages, though, is that American Family only writes policies in 19 states, meaning that for many drivers, it’s simply not an option. And, as with many large insurance companies, American Family may not be able to offer the same level of personalization that you might find at a smaller, more speciality carrier. Still, American Family’s array of available discounts make it worth checking out.

Pros

  • Online bill paying and claims filing
  • Lots of available discounts
  • Financial stability
  • MyAmFam mobile app lets you pay bills, track claims, and check your policy details on your phone

Cons

  • Only available in 19 states
  • Below-average claims satisfaction rating
  • Can’t complete the quote process entirely online

By The Numbers

Founded: 1927

Market Share: 1.3%

A.M. Best rating: A (Excellent)

Better Business Bureau rating: N/A

Consumer Reports rating: 89

J.D. Power Claims Satisfaction rating: 853

Which states is American Family car insurance available in?

American Family writes policies in 19 states; Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin.

american-family

StateAvailabilityStateAvailability
Alabama Montana
Alaska Nebraska
ArizonaNevada
Arkansas New Hampshire
California New Jersey
ColoradoNew Mexico
Connecticut New York
Delaware North Carolina
Florida North Dakota
GeorgiaOhio
Hawaii Oklahoma
IdahoOregon
IllinoisPennsylvania
IndianaRhode Island
IowaSouth Carolina
KansasSouth Dakota
Kentucky Tennessee
Louisiana Texas
Maine Utah
Massachusetts Vermont
Maryland Virginia
Michigan Washington
MinnesotaWashington D.C.
Mississippi West Virginia
MissouriWisconsin
Wyoming

Policy Details

Although American Family doesn’t write policies in much of the U.S., where it is available, it offers a robust range of standard coverage options — including collision coverage, comprehensive coverage, personal injury protection, and rental reimbursement — as well as a few standout options, like coverage for classic cars and ride-share insurance. Your average driver won’t have a hard time finding the coverage they need from American Family.

Standard coverage options

  • Liability insurance - The backbone of most auto insurance policies, liability protection covers you financially if you damage someone else’s vehicle or property, or injure someone with your car.

  • Collision coverage - This covers you financially if your own car is damaged in an accident.

  • Comprehensive coverage - Coverage for damage that happens to your vehicle that isn’t caused by a collision, like theft, vandalism, fire, or damage from extreme weather.

  • Medical expense coverage - Helps cover medical care for you and your passengers if you’re injured in an accident, no matter who was at fault.

  • Personal injury protection - Helps cover lost income, medical and child-care costs for you and your passengers if you’re injured in an accident.

  • Uninsured and underinsured motorist protection - Helps cover costs if you’re in an accident with a driver who doesn’t have insurance, whose insurance doesn’t cover all the damage, or if you’re hit by a hit-and-run driver.

  • Rental reimbursement coverage - Helps cover the cost of a rental car while your vehicle is being repaired.

Additional coverage and features

  • Classic car insurance - Unique coverage for classic cars, antique, or otherwise rare cars that aren’t your daily ride.

  • Business car insurance - Commercial car insurance for small-business owners who use their cars, trucks and other vehicles on the job.

  • Ride-share insurance - Covers drivers who work for a ride-share app when they’re on the clock, but between passengers.

How much does American Family cost?

The cost of auto insurance depends on lots of factors, from a driver’s credit score to their address to their age and driving history. That makes it hard to estimate what any given American Family auto policy will cost. But we can take a look at a sampe policy to get some idea of what American Family customers might be paying for their auto coverage.

Let’s take a look at a sample, six-month auto insurance policy from American Family, written in 2015 for a driver in Georgia with two cars: A year-old Chevy Impala and an 11-year-old Chrysler Sebring. With discounts applied, the total premium for the policy came out to $833.40. Compare that to the the average annual auto insurance premium in Georgia, which was $1,048.40.

Basic CoveragesPolicy Limits
Bodily injury liability$100,000 each person, $300,000 each accident
Property damage liability$100,000 each accident
Uninsured motorists bodily injury$50,000 each person, $100,000 each accident
Uninsured motorists property damage$50,000 each accident
Comprehensive$500 deductible
Collision$500 deductible
Rental reimbursement$30 each day, $750 maximum payout

Total premium = $833.40

Discounts

Discounts may be where American Family really stands out from the pack — as a carrier, it offers a wide array of discounts, meaning most drivers will find a way to save some money on their policy. Among the discounts on offer are loyalty discounts for long-standing customers, an “early bird” discount for drivers who plan ahead and get a quote from American Family more than a week before they need their new policy to go into effect, and discounts for bundling auto insurance with another type of coverage from American Family, like home insurance.

There are also discounts for good driving, low mileage, taking a defensive driving course, and enrolling in the company’s KnowYourDrive program, which tracks your driving behavior through a smartphone app and gives discounts for safe driving. And for teen and young adult drivers, who can be expensive to insure, there are discounts for good grades and for completing more than 40 hours of volunteer work a year.

Company details

Application process

American Family has a straightforward website and an easy-to-use quote tool that will help you get the process started, but you can’t complete it online. After you enter your basic info, the site will direct you to an American Family agent in your area to help you go the rest of the way.

Claims process

American Family makes it relatively easy to file claims online, though the company’s website, or over the phone. You can also submit a claim through American Family’s MyAmFam mobile app, which will help you find an approved auto repair shop. Once the claim is in progress, you can track it online or through the mobile app.

When it comes to claims satisfaction, American Family’s J.D. Power score of 853 puts it slightly below industry average but on par with many of its competitors. Online, complaints about the claims process mentioned increasing rates following a claim.

Other types of insurance offered

  • Home insurance - Protection for your abode

  • Renters insurance - Protect all the stuff inside (and outside) your rental unit

  • Condo insurance - For condo owners, insurance to cover anything that’s not already covered by your HOA’s master policy

  • Motorcycle insurance- Insurance for your sweet motorcycle

  • Boat insurance - Insurance for your watercraft, whether it’s a yacht or a dinghy

  • Farm and ranch insurance - Protection for your farm or ranch, whether you grow corn or raise goats

  • RV insurance - Insurance for your home on wheels

  • ATV insurance - Insurance for your all-terrain vehicle to keep you off-roading like a champ

Digital tools

  • Online claim filing and tracking

  • MyAmFam mobile app lets you pay bills, report claims and check your policy details

  • KnowYourDrive program tracks your driving behavior through a smartphone app and can earn you discounts for safe driving

  • Teen Safe Driver app, a mobile app for teenage custovers, to help them improve their driving habits

  • A live chat option on the American Family website

Contact info

Website: www.amfam.com

Phone: 1-800-692-6326

Headquarters: 6000 American Parkway Madison, WI 53783

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s car insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.

pgLogoBlack

50 West 23rd Street, Floor 9

New York, NY 10010

24/7 - Available when you need us

Monday-Thursday | 9am-11pm ET
Friday | 9am-8pm ET
Saturday | 9am-9pm ET
Sunday | 10am-9pm ET