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American Family Insurance Review

Updated on :
| By : Leslie Kasperowicz
Key features of American Family Insurance
  • Offers KnowYourDrive usage-based coverage
  • Instantly access insurance card via the MyAmFam app
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Overview

American Family Insurance has been in business for over 90 years and offers a wide range of insurance products in addition to car insurance. The list includes home, life, umbrella, business, health, and farm & ranch insurance as well as retirement products. Located throughout 19 states, American Family sells insurance online and through independent agents.

American Family car insurance policies offer several ways to save, including the DriveMyWay usage-based program and the MilesMyWay pay-per-mile program.

American Family Insurance Group claims 2.1% of the private passenger auto insurance market, according to the 2022 report from the National Association of Insurance Commissioners (NAIC). That makes American Family the ninth-largest auto insurance company in the U.S.

Customer Satisfaction Ratings

(110 reviews)
Overall Score
3.5/5
83% Recommend to a Friend
94% Plan to Renew
A+ A.M. Best Financial Strength Ratings Sep 30, 2022
Ratings as of Sep 30, 2022 J.D. Power Auto Claims Satisfaction Rating, 2022 : 874/1000
Claims Processing 3.5/5
Customer Service 4/5
Value for Price 3.5/5
Website & Apps 3.5/5
Reviews are yet to be taken.

Types of coverage available from American Family

  • Auto
  • Pay-as-you-drive plan: MySafetyValet
  • Motorcycles
  • Motor homes
  • Boats
  • Snowmobiles
  • ATVs
  • Homeowners
  • Renters
  • Condo
  • Mobile/manufactured home
  • Flood
  • Umbrella liability
  • Farm and ranch

Offerings can vary by state.

American Family auto insurance discounts

  • Accident-free discount:  In certain states, you’re eligible for a 5 percent discount if you’ve insured your vehicle with American Family Insurance for three consecutive years without an accident. Auto customers who’ve insured with American Family for six years or more without an accident are eligible for a 10 percent discount.
  • Air bag discount: You're eligible for this insurance discount if your vehicle is equipped with factory-installed air bags. Discount rates range from 10 to 30 percent depending on the state.
  • Defensive driver discount: In certain states, you're eligible for a 5 to 10 percent discount if you meet specific age requirements and have completed an approved defensive driving course.
  • Early bird discount: May be eligible if you're an auto customer holding an active policy with another carrier and receive a quote from American Family at least seven days before it goes into effect. Discount percentages vary.
  • Good driver discount: Drive safely and save money, too. Drivers without accidents, violations or claims may be eligible for 5 to 10 percent discount.
  • Good student discount: Discount for student receiving a “B” average or above. Discount percentages will vary based on certain factors.
  • Time away discount: This auto insurance discount is designed for existing customers with drivers up to 24 years old, who attend school without the insured vehicles and are 100 or more miles away from their homes. Discount percentages vary.
  • Multiple-vehicle discount: If you insure two or more vehicles, you may qualify for a reduced auto insurance premium on your cars and trucks. Discount percentages vary.
  • Auto and home advantage: Discount for bundling home and auto insurance policies.
  • Steer into Savings Discount: If you come to American Family from one of its competitors, you could get a discount on your auto premium. Discount percentages vary.
  • My Safety Valet: Usage-based discount.  When you sign up, there is a 5 percent discount.  After six months in the program you may earn up to 30 percent discount, based on your driving performance.
  • Loyalty discount
  • Paperless discount
  • Low-mileage discount

Offerings can vary by state. Some features may be optional

What would make American Family customers switch?

We surveyed more than 4,000 auto insurance customers about how much they would need to save before switching from their insurance companies.

6% Would never switch
2% Would switch if savings were $1000 or more
23% Would switch if savings were $500 or less
26% Would switch if savings were $250 or less
29% Would switch if savings were $100 or less
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Not all companies/options/discounts available in all states/situations. This description is an example and is subject to change. Verify all details before purchase. Logos, trademarks and service marks are owned by the respective companies represented on this web page.

American Family claims and contact information

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