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American Family Auto Insurance has a reputation for stellar customer service. The company consistently ranks near the top for customer satisfaction in J.D. Power's U.S. Auto Insurance Study, and it has far fewer complaints than other insurers of its size.
American Family auto insurance has an A rating from AM Best, which tracks companies' financial stability. It also has many discount programs, including two apps that monitor your driving habits–one for drivers who are younger than 25 and another for the rest of us. Perhaps because of all those available discounts, American Family Auto Insurance has decent rates and tends to be more affordable than other insurance companies. However, in some states its rates are much higher, and it's available in less than half of states in the US.
Types of Auto Insurance Plans from American Family
American Family offers all the key components of a full-coverage auto insurance policy. The company's website makes it easy to check the coverage requirements in your state and build a policy that is right for you. The coverages available from American Family are:
- Collision: Covers damage to your vehicle if it hits another vehicle or object.
- Comprehensive: Covers other losses, including those from theft, vandalism, weather-related damages, and crashes with animals.
- Bodily injury liability: Covers medical bills and lost income for injuries to other people from an accident that's your fault.
- Medical expense: Covers medical care for you and your passengers.
- Personal injury protection: Covers medical expenses, lost work and child care expenses for you and your passengers.
- Property damage liability: Covers damage to someone else's property, including their car, if you're at fault.
- Uninsured motorist coverage: Covers your costs if you're hit by a driver who is uninsured or underinsured.
- Rideshare coverage: Protects you when you're driving for Uber, Lyft, or similar services.
We like that if your car is damaged in an accident, American Family's Dreams Restored Program takes the guess work out of finding a repair shop. The program curates a list of the most trusted and customer-friendly repair shops that the insurer has relationships with, and you may be able to get in quicker at these establishments.
Additional Coverage Options
In addition to the basic coverages above, American Family offers these additional coverage options:
- Rental reimbursement: Covers the cost of a rental car or alternative transportation like ride shares, taxis or public transit while your car is in the shop because of a covered accident.
- Accidental death and dismemberment: Covers expenses if someone dies in a car accident regardless of whose fault the accident was.
- Emergency road service: American Family's roadside assistance plan covers battery jumps, minor roadside repairs and towing if you need it.
- Gap coverage: Covers the difference between your car's assessed value and what you owe if your car is totaled.
How Much Does American Family Auto Insurance Cost?
We found that full coverage policies with American Family cost more than the national average cost of car insurance ($89 a month) for drivers with a clean record. Yet, given American Family's good customer service track record, you may feel that the value is worth the increased price. Here are a few quotes we found:
- A 48-year-old male in Arizona will pay between $190 and $242 per month, depending on coverage.
- A 25-year-old female in Ohio will pay between $157-171 per month, depending on coverage.
- A 30-year-old male in Kansas will pay between $174 to $196 per month, depending on coverage.
American Family Auto Insurance Discounts
American Family offers 18 auto insurance discounts, including five discounts to help young drivers save. They are:
- Multi-vehicle, for insuring more than one vehicle.
- Loyalty, which lets you save more depending on how long you've been a customer.
- Early bird, a discount for getting a quote from American Family at least seven days before your current auto insurance policy ends.
- Multi-product, a discount that can save you up to 29% on auto insurance when you bundle it with homeowners insurance.
- Steer into savings, a discount for switching from certain competitors.
- Auto safety equipment, for having safety equipment like airbags.
- Defensive driver, available to people ages 55 older who take a defensive driving course.
- Good driving, available to drivers without accidents or tickets.
- Low mileage, available to drivers who cover less than 7,500 miles annually.
- Pay-How-You-Drive Safe Driving Program, which offers 10% off for signing up and up to 20% off for using an app called KnowYourDrive to track your driving habits.
- Teen safe driver, a similar program available to teens who use the Teen Safe Driver app.
- Away at school, available to college students under the age of 25 who live at school and leave their car parked at home, at least 100 miles away.
- Young volunteer, available to people under the age of 25 who complete 40 hours of service to a nonprofit in a given year.
- Good student, available to students under the age of 25 who maintain a B average or higher.
- Generational, available to young people whose parents also have policies with American Family.
How to File a Claim With American Family Auto Insurance
You can file an American Family car insurance claim online, with the MyAmFam app, or by calling 1-800-692-6326. Before you file a claim, be sure to have this information on hand:
- The date and time of the incident
- Photos of damage
- A description of the incident
- Contact info and insurance information for anyone else who was involved
American Family Auto Insurance FAQs
American Family Auto Insurance is available in 19 states:
- Arizona
- Colorado
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Minnesota
- Missouri
- Nebraska
- Nevada
- North Dakota
- Ohio
- Oregon
- South Dakota
- Utah
- Washington
- Wisconsin
According to customer reviews on Trustpilot and the Better Business Bureau, American Family has a mixed record when it comes to paying out claims. Some customers reported a seamless claims experience, while others said the insurer gave them the runaround when it came to paying their claims. However, the company rates highly for customer satisfaction in J.D. Power's Auto Insurance Study, so it appears more customers have a positive experience than not.
In our review of American Family auto insurance, we found its rates to be a bit higher than average. But it could be worth paying slightly more since the insurer has good ratings when it comes to customer satisfaction.
According to American Family's website, you can check the status of your claim through its MyAmFam app or via the My Account section of its website. You can also call the company at 1-800-692-6326.
Why Trust Us: What Went into Our American Family Auto Insurance Review
This review is based on information on the American Family Auto Insurance site. We also looked at third-party reviews of American Family Auto Insurance, including those from J.D. Power, AM Best, and The National Association of Insurance Commissioners (NAIC) Complaint Index.
We looked at the company's financial stability, rankings compared to other insurers, and overall customer satisfaction reports, as well as the products and services American Family Auto Insurance advertises. We rate every insurance company on a scale from 0 to 5 in several categories. See our complete insurance rating methodology for more details.
How American Family Auto Insurance Compares
American Family vs. Farmers Auto Insurance
Farmers Insurance is the seventh largest insurance company in the country and is available in most states. American Family Auto Insurance is the tenth largest provider, and only available in 19 states. For many drivers, Farmers will be more affordable than American Family Auto, with average rates of $53 a month for a driver without a history of accidents.
Both companies offer widespread coverage options, including rideshare coverage. That's great if you're making ends meet by picking up rides with Uber, Lyft or a similar service. American Family offers gap insurance, but Farmers does not. However, Farmers offers coverage riders that guarantee manufacturer parts, which some drivers might feel is important. Although both offer a good student discount, it appears that American Family has more discounts available to young drivers.
American Family vs. Progressive Auto Insurance
Progressive is the largest auto insurance company in the country, serving most states. American Family is a much smaller company and only serves 19 states. Both have their benefits: Progressive is our pick for the best auto insurance for high risk drivers, so it's a good option if you've had a recent accident. American Family offers many discounts to young drivers, so it is a great option for that population.
Both companies offer lots of discounts, including apps that track your driving style and charge you accordingly. Progressive customers can use the Snapshot app to track their driving behaviors. That data will lower your rates if you're driving well, but it can also result in higher rates if you're reckless. American Family's KnowYourDrive program will earn you discounts, but will not increase your rates.
Progressive Car Insurance Review
American Family vs. Nationwide Auto Insurance
American Family Auto Insurance and Nationwide provide similar coverage options for many drivers. However, Nationwide may be more expansive, depending on your state. We found that Nationwide costs an average of $106 a month for a driver with no accidents, whereas American Family costs under $100 a month for drivers in many states. That, coupled with American Family's great customer service, may make American Family more appealing.
Both companies offer the ability to reduce your premium by using an app to track your driving habits. However, American Family offers more discounts overall, including the generational discount. Nationwide will not cover rideshare drivers while they're at work, but American Family will, as long as you add rideshare coverage to your policy.
Nationwide Auto Insurance Review
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