American Family Auto Insurance Review [2022]

American Family offers car insurance alongside home, life, health, and commercial coverage products. Our American Family auto insurance review finds that there are many American Family auto insurance discounts, but the best way to save is to compare American Family auto quotes with local quotes using our free tool below.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 16, 2022

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American Family Insurance, also known as AmFam, is one of America’s largest and best-known insurers. Founded in 1927, the Madison, Wisconsin-based company offers car, home, life, health, and commercial coverage products. Today, American Family Insurance is a Fortune 500 company, earning $10.2 billion USD of revenue in 2018 while employing over 11,300 people countrywide.

What is the history of American Family?

American Family was founded by salesman Herman Wittwer on October 3, 1927, in Madison, Wisconsin. The company was originally known as Farmers Mutual – not to be confused with Farmers which would be founded one year later.

At launch, the company only sold personal auto policies to farmers. The company believed farmers were ideal customers because they drove less often than city drivers and rarely drove during winter.

In 1963, Farmers Mutual Insurance Company changed its name to American Family Mutual. The company had grown to offer a wider range of products to a wider range of customers.

Today, American Family has four regional corporate headquarters across the United States, including offices in Eden Prairie, Minnesota; Saint Joseph, Missouri; Denver, Colorado; and Columbus, Ohio, among other smaller offices and the corporate headquarters in Madison, Wisconsin.

American Family plays a crucial role in Wisconsin’s economy, employing thousands of people in Madison alone. As a testament to the company’s connection to Wisconsin, American Family and the Milwaukee Brewers announced a fifteen-year naming rights partnership over the stadium currently known as Miller Park. That partnership is scheduled to begin in 2020.

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What are American Family rankings?

American Family Insurance tends to be one of the highest-rated major insurers in the United States. It consistently achieves average to strong ratings from J.D. Power and other rankings organizations.

In 2018, for example, American Family Insurance earned the following ratings from J.D. Power:

Shopping (Auto): Better than most

Auto Claims Satisfaction: About average

Homeowners: About average

Property Claims: About average

Additionally, American Family Insurance earned an “Excellent” financial strength rating from A.M. Best. An “Excellent” financial strength rating means that American Family Insurance should have no issues paying off its liabilities.

What makes American Family unique?

American Family Insurance functions like most other car insurers in the United States. Some of the differentiating factors include:

MyAmFam Mobile App: American Family Insurance has a surprisingly good mobile app called MyAmFam. The app lets you manage your claim, pay your policy bill, find an agent, view your policy documents, and even download proof of coverage on-the-go. You can also use the app to contact roadside assistance or find an authorized auto or glass repair shop nearby.

Multiple Types of Coverage: Some insurers focus exclusively on car coverage policies. American Family, however, offers auto, homeowners policies, and life policies. The company also sells health coverage through its agents, although this is technically offered through third-party companies.

Available in 19 States: American Family is not available nationwide. It’s available in Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

Is American Family a good company?

American Family is generally recognized as one of the best insurers in the country, typically ranking within the top 10 or 15 best insurers nationwide. Generally, customers are satisfied with their claims, and American Family Insurance’s ‘Average’ rating in the latest J.D. Power study reinforces that rating.

One of the main things holding American Family back from some of its larger, better-known competitors is the lack of nationwide coverage: American Family is only available in 19 states, while most larger competitors are available in all 50 states.

However, those who live in one of the 19 states can enjoy powerful coverage for all aspects of their lives. American Family offers car, motorcycle, ATV, RV, snowmobile, and boat coverage, for example, along with condo, mobile home, homeowner’s, and renter’s policies. You can also buy umbrella, flood protection, business, and ranch/farm coverage, among other products.

By bundling multiple policies together with American Family Insurance, you can save money on each individual policy. Many policyholders enjoy popular products like the DreamSecure Simplified Term life insurance, for example, which offers life payouts of $50,000 to $150,000 with no medical exam required.

American Family is also ideal for drivers working for Uber, Lyft, and other rideshare companies. American Family offers ridesharing coverage poliies in certain states. It can be easily added to your policy to fill in the coverage gaps left by Uber or Lyft’s coverage.

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What are American Family auto policies and products?

American Family offers a standard set of auto coverage options along with a few additional options. Some of the features that make American Family car policies unique include:

Gap Insurance: American Family will cover the gap if your car is totaled while it’s being leased or financed. Without gap coverage, drivers would have to pay the remaining balance of the vehicle even when the actual cash value of the vehicle is much lower.

Accidental Death and Dismemberment: This coverage pays out if a car accident causes death or certain grievous injuries, regardless of fault.

Rideshare Insurance: As mentioned above, American Family allows rideshare drivers to add coverage to their existing policies, filling in the gaps left by Uber and Lyft.

What’s the final word?

American Family is one of America’s top insurers, frequently ranking among the best in terms of claims satisfaction. It doesn’t quite compete with the best and biggest companies in America, nor is it available in every state, but American Family provides comprehensive coverage to policyholders in 19 states across America.

What are the facts on American Family?

Parent Company:
American Family Insurance Group

Subsidiaries:
American Family Mutual Insurance Company
American Standard Insurance Company of Wisconsin
American Family Life Insurance Company
American Family Insurance Company (OhioAmerican Family Ins. Co. of Ohio)
American Standard Insurance Company of Ohio

Lines of Coverage:
Vehicle Coverage: Car/Truck/SUV, RV, Motorcycle, ATV, boats
Other Coverages: Health, Life, Homeowners, Renters, Travel, Business

Coverage Options:

  • Bodily Injury and Property Damage Liability
  • Uninsured / Underinsured
  • Collision
  • Comprehensive

States licensed to sell policies in:
AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI

A.M. Best Company Rating: A
(Rating Explained)

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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