American Family Car Insurance Review for 2024 [See if They’re a Good Fit!]

In this American Family car insurance review, we compare affordable rates for budget-conscious drivers. AmFam car insurance rates start at just $43 monthly, and the KnowYourDrive usage-based insurance program rewards safe driving with discounts for added savings of up to 20%.

UPDATED: Oct 25, 2024Fact Checked

Merriya Valleri

Expert Insurance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Expert Insurance Writer

Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Licensed Insurance Agent

UPDATED: Oct 25, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

UPDATED: Oct 25, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Oct 25, 2024Fact Checked
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American Family Insurance

Average Monthly Rate For Good Drivers

$43

A.M. Best Rating:

A

Complaint Level:

Low

Pros

  • Offers multiple discounts for various policyholder needs
  • KnowYourDrive rewards safe driving with 30% discounts
  • Highly rated for overall customer satisfaction and support

Cons

  • Fewer online tools and resources than leading competitors
  • Requires agent assistance for most policy changes or updates
  • Only available in 26 states

This American Family car insurance review highlights AmFam’s standout feature, the KnowYourDrive program, which rewards safe driving habits with discounts.

American Family Car Insurance Review

American Family (or AmFam, Inc.) is an excellent value for drivers seeking flexible coverage. With solid financial ratings and customer service reviews, AmFam also provides superior claims service compared to the competition.

American Family Car Insurance Rating

Rating CriteriaAmerican Family: American Family Car Insurance Review
Overall Score4.1
Business Reviews4.0
Claim Processing4.8
Company Reputation4.5
Coverage Availability3.9
Coverage Value4.0
Customer Satisfaction4.0
Digital Experience4.5
Discounts Available5.0
Insurance Cost3.7
Plan Personalization4.5
Policy Options3.4
Savings Potential4.1

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This review covers AmFam’s unique offerings and explores how its innovative usage-based insurance program can save you money. To learn more about coverage’s ins and outs, check out how car insurance works.

You can get instant car insurance quotes from top providers by entering your ZIP code above.

Just the Basics

  • American Family holds a 4.1 insurance rating for reliability
  • Flexible policies and strong financial ratings boost its score
  • KnowYourDrive rewards safe drivers with 20% discounts

Affordable American Family Insurance Rates for Experienced Drivers

American Family car insurance rates vary significantly based on age. This table highlights how premiums fluctuate across older and younger drivers for minimum and full coverage plans. AmFam is the cheapest for older drivers with a few decades of experience behind the wheel.

American Family Car Insurance Monthly Rates by Coverage Level, Age, & Gender

Age & GenderMinimum CoverageFull Coverage
Age: 16 Female$161$414
Age: 16 Male$207$509
Age: 18 Female$131$305
Age: 18 Male$178$414
Age: 25 Female$46$124
Age: 25 Male$55$147
Age: 30 Female$43$116
Age: 30 Male$51$137
Age: 45 Female$43$115
Age: 45 Male$44$117
Age: 60 Female$40$104
Age: 60 Male$40$105
Age: 65 Female$43$113
Age: 65 Male$43$114

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Premiums are higher for younger drivers, especially males, due to perceived risk. Rates decrease as drivers age, with 30-year-old women paying as little as $43/month for minimum coverage.

American Family Car Insurance Review : Factors That Affect Car Insurance Rates Def Card

Driving record is another factor that affects the price of car insurance. The table below highlights how accidents, DUIs, and tickets impact AmFam car insurance rates.

Although your rates do increase with each infraction, American Family doesn’t raise rates very much after a speeding ticket ($7/month on average) or an accident, which only increases monthly rates by $22. DUIs have the biggest impact, and if you have too many, AmFam may drop your coverage.

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American Family Car Insurance Monthly Rates vs. Top Competitors

This table compares monthly rates for American Family Insurance and its competitors across minimum and full coverage costs:

American Family Car Insurance Monthly Rates vs. Top Competitors by Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: American Family Car Insurance Review$61$160
American Family: American Family Car Insurance Review$44$117
Auto-Owners: American Family Car Insurance Review$33$87
Farmers: American Family Car Insurance Review$53$139
Geico: American Family Car Insurance Review$30$80
Liberty Mutual: American Family Car Insurance Review$68$174
Nationwide: American Family Car Insurance Review$44$115
Progressive: American Family Car Insurance Review$39$105
State Farm: American Family Car Insurance Review$33$86
Travelers: American Family Car Insurance Review$37$99

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American Family costs more than popular companies like Geico and Progressive, but it’s still cheaper than Farmers, Liberty Mutual, and Allstate. It’s worth comparing AmFam to the best car insurance companies to see which has better coverage and rates in your state.

Customer Ratings & Reviews of American Family Insurance

Scroll through this table to explore American Family customer service, insurance ratings, and complaint ratio. Overall, the company has excellent financial stability and customer satisfaction.

American Family Car Insurance Business Ratings & Consumer Reviews

AgencyAmerican Family: American Family Car Insurance Review
J.D. Power: American Family Car Insurance ReviewScore: 831 / 1,000
Avg. Satisfaction
BBB: American Family Car Insurance ReviewScore: A+
Excellent Business Practices
Consumer Reports: American Family Car Insurance ReviewScore: 78/100
Positive Customer Feedback
NAIC: American Family Car Insurance ReviewScore: 0.77
Fewer Complaints Than Avg.
A.M. Best: American Family Car Insurance ReviewScore: A
Excellent Financial Strength

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AmFam received an impressive 831 out of 1,000 from J.D. Power and 78/100 from Consumer Reports, indicating above-average customer satisfaction. An A+ rating from the Better Business Bureau (BBB) highlights the company’s excellent business practices and reliability, and the National Association of Insurance Commissioners (NAIC) shows it gets fewer complaints than average.

Read more: Is it bad to just carry minimum coverage car insurance?

American Family Car Insurance Discounts

American Family Insurance Group offers an impressive array of discounts, from rewards for safe driving to incentives for bundling policies. The KnowYourDrive program, for instance, can save drivers up to 30%

American Family Car Insurance Discounts by Savings Potential

DiscountAmerican Family: American Family Car Insurance Review
KnowYourDrive30%
Anti-Theft25%
Bundling25%
Good Driver25%
AutoPay Discount20%
Good Student20%
Low Mileage20%
Multi-Vehicle20%
Away at School18%
Early Bird15%

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Anti-theft devices can net you a 25% discount, making security measures a wise investment, and American Family offers up to an additional 25% off for those who bundle their policies.

Other discounts, such as those for good drivers, students, and multi-vehicle households, provide further opportunities to lower premiums. See more details on how to lower your car insurance cost.

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American Family Car Insurance: Pros and Cons

AmFam car insurance stands out for its diverse policy offerings and commitment to customer satisfaction. Below are some key advantages that set it apart from its competitors.

  • Multiple Discounts: American Family offers discounts for policyholders with different needs and rewards loyal customers with renewal and generational discounts.
  • Usage-Based Insurance: KnowYourDrive car insurance with telematics rewards safe driving with valuable discounts.
  • Intense Customer Satisfaction: The company consistently receives high customer support and satisfaction ratings.

With an emphasis on customization and a customer-focused approach, American Family is an excellent choice for drivers seeking flexibility and savings through discounts.

American Family’s KnowYourDrive program can save drivers up to 30% on their premiums.

Dani Best Licensed Insurance Producer

While American Family excels in several areas, a few drawbacks are worth considering compared to other top competitors:

  • Limited Online Tools: The company lacks the extensive online resources and tools many leading insurers offer, which may frustrate tech-savvy users.
  • Agent-Dependent Updates: Many policy changes require contacting an agent, which can be inconvenient for those who prefer self-service options.
  • Regional Availability: AmFam auto insurance is only available in 26 states. Discounts and coverage option availability will also vary in these states.

Even with great customer service reviews, the lack of online tools and reliance on agents for updates may limit some customers wanting a more streamlined, mobile-friendly experience. 

Insights From the American Family Car Insurance Review

Our American Family car insurance review shows it offers a solid blend of flexible coverage options, competitive discounts, and high customer satisfaction. With convenient usage-based policies like KnowYourDrive, American Family remains an affordable company.

American Family Car Insurance Review: American Family website

Its reliance on agents for policy updates and fewer online tools may be limiting for some, but the overall value it provides through savings and service is undeniable.

However, AmFam auto insurance is limited to 26 states, and rates are often higher than many other companies. Compare American Family vs. State Farm car insurance to learn more.

American Family can still be a cheap provider for high-risk drivers with minor accidents or speeding tickets. Enter your ZIP code below to find the best car insurance quotes near you.

Frequently Asked Questions

What is the A.M. Best rating for American Family Insurance?

American Family Insurance has an A rating from A.M. Best, indicating excellent financial strength.

Who owns American Family Insurance Group?

American Family Insurance Group is a privately held mutual company owned by its policyholders.

How old is American Family Insurance?

American Family Insurance was founded in 1927, nearly a century old.

Does American Family charge a cancellation fee?

American Family Insurance typically does not charge a cancellation fee, but it’s best to check your specific policy terms. For details on ending your coverage, read how to cancel gap insurance.

How is American Family insurance customer satisfaction?

American Family Insurance consistently receives high customer satisfaction ratings, including an 831/1,000 score from J.D. Power.

What is the American Family car insurance claim settlement ratio?

American Family Insurance has a solid claim settlement process, supported by its A.M. Best A rating for financial stability. Read how to file a car insurance claim after an accident.

What is the American Family car insurance grace period?

American Family Insurance typically offers a 10-day grace period for late premium payments, but check your policy for specific details.

Why is American Family insurance so expensive?

Insurance prices are increasing nationwide due to higher property costs and repair expenses. However, AmFam remains a competitive option for safe drivers who qualify for usage-based discounts. If you need more affordable auto insurance, enter your ZIP code below into our free comparison tool to find the lowest prices in your area.

What is the late fee for American Family car insurance?

The late fee for American Family Insurance can vary depending on your policy, so reviewing your contract for exact charges is important. Check out things you do that can raise your premiums to learn more about factors affecting your rates.

What is the consumer rating for American Family car insurance?

AmFam has a consumer rating of 78/100 from Consumer Reports, reflecting generally positive feedback.

Merriya Valleri

Expert Insurance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Expert Insurance Writer

Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Reviews
for American Family Insurance

4.04 (2,180 reviews)
5
September 6, 2022

TammyNelson

Great auto insurance for Costco Members through Connect

I like working direct with insurance companies for simple coverage like auto insurance. They make it easy. They're professional and knowledgeable and fast. Great discounts for Costco members too.
5
January 15, 2021

Doggy

Awesome

Awesome, highly recommend using this company. Best I’ve ever dealt with thus far, great costumer service
4
January 14, 2021

flip2score7

am fam review

for the most part, there have been no issues in the years I have been on their insurance with family and then subsequently purchasing my own with them. however, they are sometimes slow to send things out.
2
October 15, 2020

timtone

Unexpected charges

They charged me a fee to use my card instead of a check what is this 1965? I left for a more 2020 provider esurance!
5
October 15, 2020

ely135

American Family tops any other insurance company

This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals a...
This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals actually received a quote that did not have at least one discount on it! When a company has amazing customer service and really cares about saving you money, it's hard to believe that the coverage you are provided could really be anything other than terrible. American Family strives to leave you flabbergasted. My auto insurance is everything I want/need, and I'm paying a premium that is $200 below what any and all other companies quoted me!
5
October 12, 2020

snoopyhugs18

When a 90-minute Meeting Saved Us $596!

Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we s...
Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we switched from our former insurer! The new policy was underwritten and ready for us to sign in less than 24 hours. American Family's online tools are easy and efficient to use, yet they look and feel secure. After a 6-year break from American Family because there was no local agent where we previously lived, I am so glad to be back!
5
October 2, 2020

DomMar35

Boss

American Family Insurance is an amazing company that acts quickly on claims and works to ensure customer satisfaction
5
October 2, 2020

ruthjahncoz

a bright point in a dark time

We were in a bad car crash. The other car was at fault, but we had car replacement coverage. We had the money to buy a new to us car in less than three weeks. We covered our new to us car with them. We had to talk to several departments during this time and everyone was helpful.
5
June 12, 2020

LillyM

Young but excited about Insurance!

I think they are good so far, I can't wait to get the decrease in insurance payment at the age of 25. Just 6 more years to go!
5
May 5, 2020

KatieM

My AMFAM experience

Good service always! very friendly, easy to work with, available to anser all my quesitions, very profesional .
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<h3>American Family Car Insurance Monthly Rates by Driving Record</h3>
<h3>American Family Car Insurance Monthly Rates by Driving Record</h3>