- American Family auto insurance: Overall verdict
- American Family availability and average premiums by state
- What auto insurance coverages does American Family offer?
- How does American Family Insurance rank?
- How much is American Family auto insurance?
- American Family car insurance rates by state
- American Family Insurance rates for teens
- American Family Insurance rates for adults
- American Family Insurance rates for seniors
- American Family Insurance rates for drivers with tickets, accidents and poor credit
- American Family insurance discounts and ways to save
- What do people ask about American Family Insurance?
- Sources & Methodology
American Family auto insurance: Overall verdict
American Family Insurance has been in business for more than 90 years and has carved out a solid niche in the market through its extensive agent network and reputation for great customer service. Its premiums are among the lowest on offer, and it gets above-average marks for auto claims satisfaction.However, it’s only available in 19 states, which means it may not be an option for you. American Family wasn’t ranked in our Best Car Insurance Companies of 2026 list due to its limited availability. It earned a rating of 4.44 out of 5 stars, which places it third among regional carriers.
American Family availability and average premiums by state
Available in 19 states.
| State | Coverage | Average annual premium |
|---|---|---|
| Arizona | - | - |
| Colorado | - | - |
| Georgia | - | - |
| Idaho | - | - |
| Illinois | - | - |
| Indiana | - | - |
| Iowa | - | - |
| Kansas | - | - |
| Minnesota | - | - |
| Missouri | - | - |
| Nebraska | - | - |
| Nevada | Full Coverage | $2,848 |
| Nevada | Liability Only | $1,428 |
| Nevada | Non-Owners | $757 |
| Nevada | State Minimum | $949 |
| North Dakota | Full Coverage | $1,238 |
| North Dakota | Liability Only | $169 |
| North Dakota | Non-Owners | $304 |
| North Dakota | State Minimum | $164 |
| Ohio | - | - |
| Oregon | - | - |
| South Dakota | - | - |
| Utah | - | - |
| Washington | Full Coverage | $1,752 |
| Washington | Liability Only | $856 |
| Washington | State Minimum | $462 |
| Wisconsin | - | - |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
What auto insurance coverages does American Family offer?
American Family offers a full range of car insurance policies to meet most drivers’ needs. It also offers a range of home, condo and renters policies, allowing you to bundle for additional savings.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings include:
- Rental reimbursement
- Gap insurance
- Accidental death & dismemberment coverage
- Roadside assistance
How does American Family Insurance rank?
American Family was not ranked against national companies in our annual list. but rated well overall and was the third-highest rated regional carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. It earned high marks for ease of service and low premiums, but its limited availability means it’s not an option for a lot of drivers, particularly those on the East Coast.
It has a low complaint ratio, with the National Association of Insurance Commissioners (NAIC) at 0.669. The company scored just above the 700 average for auto claims satisfaction in the 2025 J.D. Power consumers survey.
Here’s a look at how it compared to competitors.
| Company | AM Best | Customer satisfaction | NAIC* | Monthly premium | Overall score |
|---|---|---|---|---|---|
| American Family | A | 84% | 0.669 | $159 | 4.44 |
| Auto-Owners | A+ | 86% | 0.443 | $171 | 4.55 |
| Erie | A | 92% | 0.772 | $159 | 4.5 |
| Auto Club Group (AAA Midwest/South) | A | 89% | 0.684 | $185 | 4.3 |
| Auto Club Enterprises (AAA SoCal) | A+ | 90% | 1.293 | $243 | 3.76 |
| CSAA Insurance Group (AAA NorCal/NV/UT) | A | 92% | 1.021 | $251 | 3.68 |
| Mercury | A | 89% | 1.072 | $270 | 3.56 |
*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.
How much is American Family auto insurance?
The average full coverage rate for a 40-year-old driver is $1,912 per year or $159 per month. That compared to $1,906 per year for Erie Insurance and $3,205 per year for Allstate, which was on the pricier end.
Compared to other carriers, American Family’s rates are low. It tied with Erie for the lowest rates among regional carriers, and, aside from USAA, among all carriers in the survey.
Here is a comparison of rates with several large competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a good driving record.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| American Family | $1,912 | $159 |
| Auto Club Enterprises (AAA) | $2,917 | $243 |
| Auto Club Group - ACG (AAA) | $2,223 | $185 |
| Auto-Owners | $2,051 | $171 |
| CSAA Insurance (AAA) | $3,010 | $251 |
| Erie Insurance | $1,906 | $159 |
| Mercury Insurance | $3,237 | $270 |
American Family car insurance rates by state
Delaware drivers pay the most for car insurance with American Family, while North Dakota has the cheapest rates.
What you pay for insurance can vary based on factors such as your age, gender, credit rating, and the type of car you drive. One of the biggest factors, however, is where you live.
Car insurance rates by state vary. Some states have considerably higher insurance rates due to circumstances such as frequent hail events, flooding and higher litigation costs.
Here’s a sample of American Family rates in selected states for a 40-year-old driver.
| State | State minimum | Liability (50/100/50) | Full coverage 100/300/100; $500 deductible |
|---|---|---|---|
| Delaware | $1,433 | $1,570 | $3,225 |
| North Dakota | $164 | $169 | $1,238 |
| Nevada | $949 | $1,428 | $2,848 |
| Rhode Island | $718 | $901 | $2,924 |
| Washington | $462 | $856 | $1,752 |
American Family Insurance rates for teens
Teen drivers pay $5,413 per year for car insurance, as is the case with practically all insurers.
Here’s a comparison of what a teenage driver can expect to pay annually with American Family compared to a young and middle-aged adult, as well as competitors’ rates for the same coverage, American Family is cheaper for teens than other big names like GEICO and State Farm.
| Company | Teens (16-19) | Young adults (20-24) | 40-year-old adult |
|---|---|---|---|
| American Family | $5,413 | $2,873 | $1,912 |
| Auto Club Enterprises (AAA) | $9,274 | $5,103 | $2,917 |
| Auto Club Group - ACG (AAA) | $6,436 | $3,701 | $2,223 |
| Auto-Owners | $5,107 | $3,323 | $2,051 |
| CSAA Insurance (AAA) | $10,946 | $4,922 | $3,010 |
| Erie Insurance | $4,634 | $3,057 | $1,906 |
| Mercury Insurance | $12,251 | $5,405 | $3,237 |
American Family Insurance rates for adults
A 25-year-old male driver pays $2,261 per year for car insurance. The same driver will pay $1,923 per year at 40. While it can vary slightly by insurance company, adults will pay some of their lowest rates with American Family at around the age of 55.
Here’s what adults can expect to pay annually on average for full coverage car insurance with American Family at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 25 | $2,261 | $2,082 |
| 30 | $2,074 | $2,025 |
| 35 | $1,997 | $1,962 |
| 40 | $1,923 | $1,900 |
| 45 | $1,864 | $1,848 |
| 50 | $1,785 | $1,779 |
| 55 | $1,764 | $1,767 |
| 60 | $1,757 | $1,769 |
American Family Insurance rates for seniors
Male drivers at American Family pay $1,842 per year for car insurance at age 65, while female drivers of the same age pay $1,863 per year. Insurance rates begin to level off around age 65, then rise again with age.
Car insurance companies base their rates on risk profiles, and unfortunately, there is evidence that driving becomes riskier as we age. This may be related to slower reflexes, weaker eyesight or other factors and will certainly vary from driver to driver.
For that reason, expect to see your rates begin to increase as you reach 65, but it will not be nearly as steep as the rates you saw in your teens.
Here’s what a senior driver can expect to pay annually with American Family at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 65 | $1,842 | $1,863 |
| 70 | $1,955 | $1,988 |
| 75 | $2,185 | $2,236 |
American Family Insurance rates for drivers with tickets, accidents and poor credit
American Family’s rates for drivers with poor credit are about 58% higher than those for drivers with a clean driving record, indicating that the company gives at-fault accident violations significant weight.
Insurance companies are very good at crunching numbers and have extensive risk profiles for drivers at every age, stage of life and gender. Your driving record is another good indicator of risk, and they also consider factors such as credit rating in most states.
A poor credit score indicates to an insurance carrier whether you’ll continue to make timely payments and whether you’re more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. in the future.
American Family insurance discounts and ways to save
Aside from shopping around, one of the best ways to lower your insurance premiums is to see if you are eligible for any available discounts offered by an insurance carrier.
Carriers generally offer discounts for a wide range of items, such as bundling insurance policies with the same carrier, having safety devices in your vehicle, using driver monitoring (or telematics) programs, and belonging to various professional, trade, or alumni associations.
The discounts generally range from 5% to 10% and can reach as much as 30%.
American Family offers car insurance discounts for the following:
- Bundling home and auto
- Multi-car
- Accident-free status
- Loyalty discount
- EFT/good payer/pay in full discount
- Early quote
- Good student
- Student away at school
- Driver training
- Low mileage
- DriveMyWay usage-based driving app
What do people ask about American Family Insurance?
Why did my American Family insurance rate increase?
There are many reasons for a car insurance rate increase. The most common reason is a change in your household or driving history. However, some rate increases are company-wide or affect a certain area due to increased risks and costs. Car insurance rates have been increasing with most companies recently for this reason.
What is American Family Connect auto insurance through Costco?
Costco’s member program Connect helps with purchasing insurance; American Family is the auto insurance company that writes policies for Connect.
Is American Family a good insurance company?
American Family has a very low complaint ratio, which means that it received fewer complaints than expected for a company of its size.
Drivers in online forums offer a mixed bag of comments about their satisfaction with filing claims, which is not uncommon for car insurance providers.
Sources & Methodology
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
Survey data from our annual customer survey and third-party ratings were used to create each company's overall score.
Learn more about our data and methodology.
Source
American Family. “Discounts.” Accessed March 2026.
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