American Family, or AmFam, offers decent rates to auto insurance customers with a customer service rating slightly above its competitors. While AmFam does not offer the absolute cheapest auto insurance rates, it has a wide selection of discounts and coverage options to lower your premium.
American Family offers auto, home and renters insurance at decent rates, unless you qualify for its range of discounts. Drivers able to stack multiple discounts can save a substantial amount on their premiums, making car insurance cheaper and more affordable.
You should check out AmFam if you're a teen or have a teen driver in your family, as the company offers an award-winning safe driving program to help young people improve their driving habits and accrue discounts.
According to the National Association of Insurance Commissioners (NAIC), American Family has written $11.5 billion in property and casualty premiums, making its market share 1.63%. This makes AmFam the 14th largest insurer in the nation.
American Family is based in Wisconsin and offers insurance coverage 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.
Reinstatements up to 14 days (without a lapse)
Has one of the largest discount offerings of a mid-sized insurer
Planning to roll out pay-per-mile and pay-how-you drive policies in 2021
Compared to its major competitors, American Family offers rates that lean on the pricier side for the average driver. However, if you're a teen driver or have a history of driving incidents, like DUIs or accidents, American Family tends to have among the cheapest rates.
Rates may vary based on your driving history, location, vehicle and more, so make sure to shop around for quotes to get the cheapest auto insurance.
You can purchase these standard additional coverages through American Family, including:
While American Family does not specify the costs of its add-on coverage, we found that having a minimum-coverage policy is $59 cheaper per month than having a full-coverage policy that includes collision and comprehensive protection.
American Family is known for the plethora of diverse discounts available. In addition to having bundle and good student discounts, which most major insurers offer, American Family also has discounts for young volunteers and drivers with family members who are existing AmFam customers.
American Family auto insurance discounts include:
Along with the wide array of discounts American Family offers, it was also among the many insurers that offered partial refunds or discounts to drivers affected by the coronavirus pandemic. New and existing customers received discounts of 10% on their policies between July 1, 2020, and March 31, 2021, and 5% off between April 1, 2021, and May 31, 2021.
When compared to other major car insurers, American Family has a better-than-average Complaint Index, but an auto claims satisfaction rating slightly below the industry average.
The National Association of Insurance Commissioners (NAIC) measures customer complaints based on the rate of formal complaints filed to state regulators. The national median Complaint Index is 1.0. J.D. Power's 2020 Auto Claims Satisfaction Study is measured on a scale of 1,000, with an industry average of 872.
If you get comparable rates from multiple providers, it is important to consider their customer service reviews. When you need your car insurance the most, like at the time of an accident, you’ll want speedy claims and transparent practices.
Offers customizable home insurance policy
Rewards you for having no claims by crediting your deductible $100 each year, up to your policy maximum.
Among the top 10 largest home insurance companies in the country.
American Family specializes in customizable home insurance policies. If you’re looking for the cheapest rates, then American Family isn’t the ideal insurer for you. However, if you’re looking for comprehensive coverage for your home from a large, national insurance company, then American Family is a good option.
Although we found that American Family's customer service scores are relatively average, some customers had issues when filing a claim and getting money for damages. However, we found that customers were satisfied with the company’s rates and service.
American Family includes all the standard coverages of a homeowners policy, such as property damage from perils like fire, lighting, windstorms, hail, smoke, vandalism and theft.
American Family also offers additional coverages and allows you to customize your policy.
What you need to know about American Family’s coverages:
American Family offers relatively affordable rates for home insurance. Since home insurance rates vary significantly from company to company, you should compare quotes you receive from American Family to other insurers. American Family has an average annual rate of $1,866, while has the 5th lowest rates in the table below.Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
You can save and get a lower premium on your home insurance by taking advantage of these discounts:
What you need to know about American Family’s discounts:
Renters insurance can be an important and inexpensive investment if you’re leasing a unit. It covers property and liability coverage that your landlord’s insurance doesn’t.
American Family includes all of the standard coverages of a renters policy. U.S. News ranks American Family the sixth-best renters insurance company of 2021.
What you need to know about American Family’s renters insurance:
Sample quotes are based on a 30-year-old single male driver with a 2012 Honda Accord LX. Unless otherwise stated, our driver has a clean driving record with no prior insurance. He drives for pleasure up to 13,500 miles annually.
To compare coverages from multiple insurers, we used the same driver profile across the 19 states where American Family is available. Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
For home insurance, we collected quotes for a standard HO-3 homeowners insurance policy. We used the following coverages: