Introduction: What Makes American Family Stand Out?
When shopping for car insurance, price matters—but so do reliability, customer service, and policy options. American Family, or AmFam, has been in the insurance business since 1927, offering policies tailored to different drivers’ needs. With a Bankrate Score of 4.2 out of 5, it holds its own among competitors, boasting solid customer satisfaction ratings and competitive pricing.
But is American Family auto insurance the right choice for you? We break down coverage, pricing, discounts, and customer experience to help you decide.
American Family Car Insurance at a Glance
✅ Pros:
- Competitive rates for drivers with accidents or speeding tickets
- High customer satisfaction in multiple regions (per J.D. Power’s 2023 Auto Insurance Study)
- Bundling discounts of up to 29% when paired with a home insurance policy
❌ Cons:
- Only available in 19 states
- Online experience isn’t as advanced as some competitors
- Limited extra coverage options
Coverage Options: What Does American Family Offer?
American Family provides the standard auto insurance coverages, including:
- Liability insurance (bodily injury & property damage)
- Collision and comprehensive coverage
- Medical payments (MedPay) coverage
- Uninsured/underinsured motorist protection
Unique Coverage Add-Ons
While AmFam lacks an extensive list of additional coverages, it does offer:
- KnowYourDrive Telematics Program – Earn up to 20% off your premium for safe driving, plus a 10% discount just for enrolling.
- Diminishing Deductible – Get $100 off your deductible for every year of safe driving, up to the full deductible amount.
Cost Comparison: Is American Family Affordable?
AmFam generally offers rates below the national average, making it a solid choice for budget-conscious drivers. However, premiums vary depending on your driving record, credit score, and location.
American Family’s Average Car Insurance Rates
| Driver Profile | AmFam Full Coverage | National Average Full Coverage |
|---|---|---|
| Good Driver, Good Credit | $2,826 | $2,638 |
| Good Driver, Poor Credit | $4,085 | $4,644 |
| Speeding Ticket (Good Credit) | $3,097 | $3,204 |
| At-Fault Accident (Good Credit) | $3,492 | $3,774 |
| DUI Conviction (Good Credit) | $3,560 | $5,106 |
🔎 Key takeaway: If you have a DUI conviction, American Family could be an affordable option compared to the national average. However, for drivers with perfect records, the savings aren’t as significant.
Cost by Age Group
| Age | AmFam Full Coverage | National Average Full Coverage |
|---|---|---|
| 16 | $5,415 | $5,675 |
| 18 | $4,638 | $4,894 |
| 20 | $5,691 | $5,374 |
| 25 | $3,008 | $3,251 |
| 30 | $2,829 | $2,813 |
🚘 Young drivers (especially under 20) will pay higher-than-average rates, making American Family less competitive for teenagers.
Discounts: How Can You Save?
American Family provides multiple discount opportunities:
- Safe Driver Discount – Save by maintaining a clean driving record.
- Multi-Vehicle Discount – Insuring more than one car lowers premiums.
- Loyalty Discount – Stay insured with AmFam for long-term savings.
- Auto & Home Bundling – Up to 29% savings when bundling car and home insurance.
- Young Volunteer Discount – Teens who volunteer 40+ hours per year can earn a discount.
💡 Pro Tip: Check AmFam’s student and young driver discounts if you’re insuring a teen driver.
Customer Satisfaction: How Does AmFam Compare?
American Family consistently ranks above average in customer satisfaction. In the 2023 J.D. Power Auto Insurance Study, it scored highly in multiple regions.
What Customers Are Saying
📢 Positive Reviews:
- Customers appreciate competitive rates and strong customer service.
- Many highlight quick claims processing and helpful representatives.
😡 Negative Reviews:
- Some customers report issues with online tools.
- Limited state availability is a frequent complaint.
👉 Want to see real customer feedback? Check out Trustpilot’s reviews on American Family for firsthand experiences.
How American Family Stacks Up Against Competitors
| Insurer | Avg. Full Coverage Premium | J.D. Power Score | AM Best Rating |
|---|---|---|---|
| American Family | $2,826 | 692/1000 | A (Excellent) |
| State Farm | $2,887 | 717/1000 | A++ (Superior) |
| Progressive | $2,388 | 764/1000 | A+ (Superior) |
| Allstate | $3,297 | 809/1000 | A+ (Superior) |
| USAA (Military Only) | $1,897 | 881/1000 | A++ (Superior) |
🧐 Best for Budget: USAA (if eligible) and Progressive
🌟 Best for Customer Satisfaction: Allstate
📉 Best for Discounts: State Farm
American Family is a solid choice for affordability and customer service, but competitors like Progressive and USAA may be better for lower rates.
Final Verdict: Should You Choose American Family?
Who It’s Best For
✔️ Drivers with prior accidents – Competitive rates compared to other insurers
✔️ Those looking for bundling discounts – Big savings when combining home & auto
✔️ Safe drivers – KnowYourDrive program rewards good driving habits
Who Should Look Elsewhere
❌ Drivers outside AmFam’s 19-state coverage area
❌ Tech-savvy users who prefer a robust online experience
Bottom Line
American Family auto insurance is a strong contender for drivers who prioritize affordability, customer service, and bundling discounts. However, if you’re looking for nationwide availability or the lowest rates for young drivers, it may not be your best bet.
📢 Need a personalized quote? Get a free auto insurance estimate from American Family’s official website.
FAQs
🔹 Is American Family available nationwide?
No, AmFam operates in 19 states including AZ, CO, IL, IN, MN, MO, OH, and WI.
🔹 Does American Family offer accident forgiveness?
No, but it does offer a Diminishing Deductible program that rewards safe driving.
🔹 Can I get a discount for bundling policies?
Yes, bundling home & auto can save you up to 29% on your premiums.
🔹 How do I file a claim with American Family?
You can file a claim online, via mobile app, or by calling 1-800-MYAMFAM.
Need more insights? Check out Consumer Reports’ rankings on auto insurers. 🚗💨