Once named the Farmers Mutual Automobile Insurance Company, American Family no longer limits its insurance offerings to farmers. AmFam provides auto insurance, life insurance, homeowners insurance, and a few oddball products such as snowmobile insurance.
Who Benefits Most and Least from American Family Insurance?
- People who can qualify for lots of discounts
- Customers with teenage drivers
- Uber and Lyft drivers looking for good ridesharing coverage
Not the Best For…
- Customers who live outside the 19 states serviced by American Family
- Drivers looking for the best customer service in the industry
- Those looking for the cheapest possible rates
American Family: Protecting dreams
American Family’s mission statement is “to inspire, protect and restore your dreams.” Whether the company does so or not depends on your interpretation.
American Family has adequate customer service ratings compared to its peers. While the company doesn’t have bad customer service, it doesn’t provide exceptional service, either. Most customer complaints focus on prolonged claims processing and a tendency for rates to creep upwards (or sprint upwards) over time. Quality of service can vary quite a bit depending on which satellite office you work with. Look up your local office with a search like “American Family Insurance Madison WI” to see what other customers have to say about their service.
One area where American Family shines is its array of discounts. While AmFam’s basic insurance premiums often aren’t the lowest, when you factor in the available discounts, you can get an excellent deal on auto insurance. The discounts for teenage drivers are particularly good, which can be a lifesaver for parents given how expensive insurance tends to be for young drivers.
American Family Car Insurance Ratings
U.S. Auto Insurance Shopping Study (2018)
|Overall Satisfaction||Better than most|
|Pricing||Better than most|
|Local Agent||Better than most|
|Policy Offerings||Better than most|
U.S. Auto Insurance Claims Satisfaction Study (2018)
|Estimation Process||About average|
|Repair Process||About average|
|Claim Servicing||About average|
|Rental Experience||About average|
|Overall Satisfaction||About average|
|First Notice of Loss (FNOL)||About average|
J.D. Power Ratings by Region (out of 1,000)
|North Central||820||About average|
|Northwest||826||Better than most|
Company Name Ratings
A.M. Best A+
Standard & Poor's A+
American Family Car Insurance Quotes and Discounts
You might think shopping for car insurance means buying the cheapest option you can find, but if you’re not comparing quotes or discounts, you might not be saving as much as you think. Pick a policy with lots of available discounts, because a seemingly costly premium could end up being the best deal of the bunch.
Make sure you use Insurify when shopping for your car insurance policy—it makes sure you’re aware of any discounts for which you’re eligible and lets you compare quotes between several insurance companies!
Auto Insurance Quotes Comparison: American Family vs. GEICO, Progressive, Erie, and Safe Auto
Insurify’s data team compared Esurance car insurance quotes to those of its competitors. Below are the quotes for a 42-year-old female driver from Cleveland, Ohio who drives a 2010 Honda Civic and has a clean driving record:
Then they compared her quotes if she happened to have a speeding ticket on her driving record, for going 75 mph in a 50 mph zone:
These would be her rates if she were in an at-fault accident where she hit another car:
Lastly, they compared her quotes if she was married and adding her sixteen-year-old child to her and her partner’s shared auto-insurance policy:
American Family doesn’t exactly dish out the cheapest quotes, but then again, you never know which insurance company will give you the best price. That’s why you should always compare quotes online by using comparison websites like Insurify.
Drivers Can SAVE with these Discounts from American Family
American Family might not offer the lowest quotes, but they do offer a host of discounts! Take a look below to see if you may be eligible for some of them:
|Passive Restraint Discount||up to 30%|
|Anti-Theft Device Discount||up to 25%|
|Military Discount||up to 25%|
|Student Away at School Discount||up to 25%|
|Senior Adult Discount||up to 25%|
|Good Student Discount||up to 25%|
|Multiple Policy Discount||up to 15%|
|Multiple Vehicle Discount||up to 13%|
|Defensive Driver Discount||up to 10%|
|Occupation Discount||up to 10%|
|Low Mileage Discount||up to 8%|
|New Graduate Discount||up to 5%|
|Home Owner Discount||up to 5%|
|Sponsored Marketing Discount||up to 5%|
|Electronic Stability Control||up to 5%|
|Anti-lock Brake Discount||up to 5%|
|Driving Habits Discount||up to 5%|
|Loyalty Discount||up to 5%|
|Early Quote Discount||up to 5%|
|Travelink Discount||up to 5%|
|Provider Switch Discount||up to 5%|
|Preferred payment discount||up to 5%|
|Paid in full discount||up to 5%|
|Paperless documents discount||up to 3%|
|Accident Free Discount||up to 3%|
|Daytime Running Lights Discount||up to 3%|
|Good Driver Discount||up to 2%|
States Where American Family Car Insurance is Offered
American Family auto insurance is available in 19 states.
If you live in one of the following states, American Family might be the right choice for you: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.
Insurance minimums and coverage vary in every state, so you should look up the details on how to secure the cheapest car insurance quotes in yours:
American Family Auto Insurance Coverages
American Family offers policyholders the following types of insurance as part of their “standard” car insurance coverage.
American Family offers customers both property damage liability and bodily injury liability coverage, which are mandatory in most states. These cover you if you’re at fault in a car accident and need to pay for medical bills and property damage sustained by the other driver. For example, if you were at fault in a car accident with another car, American Family would pay for the damages to the other car. If you were to crash into someone’s fence or mailbox, American Family would pay for that, too.
Comprehensive and collision coverage
These car insurance coverages pay for damage to your vehicle, whether the damage is your fault or someone else’s. Collision coverage pays for damage that occurs when your vehicle hits something else (be it another car or something like a tree). Comprehensive coverage is for any type of covered damage that’s not the result of a collision: for example, if your vehicle is stolen or vandalized.
Uninsured and underinsured motorist coverage
What happens if you’re in an accident that’s someone else’s fault, but that person doesn’t have enough insurance coverage to pay for your vehicle repairs or medical expenses? In that case, American Family’s uninsured or underinsured motorist coverage can help. If you’re hit by someone who has no insurance coverage or you’re the victim of a hit-and-run, uninsured motorist coverage would apply. Underinsured motorist coverage is for accidents where the at-fault driver has some insurance coverage, but not enough to pay for all the expenses. Some states require this coverage on your auto insurance policy, while others consider it optional.
Medical Payments Coverage
If you’re involved in an accident, American Family’s medical payments coverage will help pay your medical expenses, legal fees, and any emotional distress the accident caused you. Medical payments coverage is not intended as a replacement for health insurance, but it can complement your existing health insurance coverage. For one, your health insurance will help with your medical costs from an accident, but it won’t cover your passengers. Meanwhile, American Family’s medical payments coverage extends to everyone in your vehicle.
Personal Injury Protection Coverage
American Family offers Personal Injury Protection (PIP) coverage as your state requires. If you’re a resident of a no-fault accident state, you’re required to have either medical payments coverage or PIP coverage. PIP covers your medical payments in the long-term aftermath of your accident, not just the immediate aftermath. This means if you or your family members sustained injuries that require regular hospital visits and rehabilitation, PIP will cover those costs. PIP tends to cover more expenses than medical payments coverage does, but unlike medical payments coverage, you’ll have to meet a deductible. Check to make sure you’re comfortable with the level of PIP coverage before purchasing your insurance policy.
The following are optional coverages that are available as add-ons to a standard American Family car insurance policy:
Towing and Labor Coverage and Roadside Assistance
American Family offers a full-scale 24/7 roadside assistance package if you’re stranded on the road because you ran out of fuel, locked your keys in the car, need your tire changed, need your battery revived, or need your vehicle towed to another place. American Family even offers a “roadside repair” service, where a mechanic will come to the site of the breakdown and do up to one hour’s worth of repairs to get the vehicle running. Call 1 (800) MYAMFAM (1 (800) 692-6326) for 24/7 assistance if you’ve purchased this coverage option.
Rental Car Reimbursement
American Family will reimburse you for the cost of renting a car if you’re in an accident and your vehicle is undergoing repairs. Of course, it will only cover the costs if your policy covered the original accident. AmFam’s rental reimbursement coverage is unusually flexible, extending beyond just rental cars—it also covers rideshare expenses, trains, taxis, and buses.
When you buy a new vehicle, its value drops as soon as you drive it off the dealership lot. That means you could end up owing more on your car loan than the car is actually worth…and if you total the car in an accident under those circumstances, you may end up owing the lender more than you get back from your auto insurance company. That’s where gap coverage can come in handy. If your vehicle is totaled, gap coverage pays you the difference between how much your car is worth and how much you owe on the lease or loan.
Other Special Auto Coverages Offered by American Family Insurance
American Family’s KnowYourDrive program uses an app installed on your phone that can track certain driving behaviors. These include how quickly you accelerate, how hard you brake, and how many miles you drive on average. Safe drivers, as determined by the device, will then be eligible for cheaper auto insurance policies. If there are multiple drivers on the policy, KnowYourDrive will average your scores to figure your discount. You’ll get a five percent discount on your insurance rates just for signing up for the KnowYourDrive program; the discount could rise as high as 20 percent depending on how safely you drive according to the app.
Teen Safe Driver Program
Like KnowYourDrive, the Teen Safe Driver program uses an app to track your teen’s driving behavior. Parents get a copy of the app on their phones that lets them track their teen’s location and monitor their driving score. After you’ve logged information for one year of 3,000 miles, the Teen Safe Driver program can apply a 10 percent discount on your auto insurance policy.
Other Insurance Products Offered by American Family Insurance
Dwelling protection, personal possession protection, liability coverage, and loss of use coverage are standard inclusions for American Family’s homeowners insurance. You can also tack on coverage for equipment breakdown, detached structures, water backup coverage, matching siding protection, and identity theft insurance.
If you rent rather than own your home, American Family can provide renters insurance that includes personal property coverage, liability coverage, loss of use coverage, and medical payments coverage. You can add optional coverage that includes maintenance coverage, earthquake coverage, flood coverage, pet coverage, and sewer/septic backup coverage.
American Family offers term life insurance, simplified term life insurance (with a streamlined application process), whole life insurance, and flexible life insurance (a cross between term and whole life insurance). AmFam also has specialized life insurance products for children and seniors.
American Family’s motorcycle insurance coverage is quite similar to its auto insurance plans. Standard coverage includes collision, comprehensive, liability, and gear protection coverage (for damage to safety apparel such as helmets). Medical expense coverage, uninsured/underinsured motorist coverage, and 24/7 roadside assistance are offered as add-ons.
RV insurance is typically a cross between auto insurance and homeowners insurance. American Family’s standard RV insurance package includes coverage for collision and comprehensive damage, liability coverage, personal property coverage, pet coverage, customization coverage (for your RV’s installed accessories, like solar panels), and vacation expense coverage. Optional RV insurance coverages include uninsured and underinsured motorist coverage, roadside assistance, and increased coverage levels for some of the standard package items (such as customization coverage; the standard coverage is just $1,000, but you can add on up to $50,000 of protection).
If you have substantial assets, the liability coverage levels provided by standard car insurance and other policies might not be enough to protect you. That’s where umbrella coverage can help. An umbrella insurance policy complements basic policies such as auto and home insurance. The umbrella coverage picks up where the basic policy’s liability coverage lets off, and can also protect against things not covered by the base policy. For example, American Family’s umbrella insurance covers libel, slander, and false arrest.
How Can I Buy Car Insurance from American Family?
You can purchase American Family’s car insurance by calling an American Family agent at a local insurance agency; there’s a search tool here. Alternatively, you can visit AmFam’s website for a quote.
Of course, American Family can only offer you a single quote. What about all the other companies that are out there that might give you an even lower rate or sweeter deal? Be sure to compare quotes before you make a decision by using a website like Insurify, which lets you compare up to 20 quotes at a time!
How Can I Pay for My American Family Car Insurance Policy?
American Family accepts almost all methods of payment, including paying online, by phone, or through the mail. If you pay your premium in full, you can avoid installment fees.
Credit card or bank account
You can log in to your American Family account and pay with your credit card or your checking or savings account. Alternatively, American Family allows you to skip the login if you provide your account or policy number and ZIP code.
Through your bank
You can sign up for online payments through your bank by using your American Family account number. To get set up, you’ll also need your bill amount and due date. Use the following payment processing address:
American Family Insurance
302 N. Walbridge Ave.
Madison, WI 53777-0001
Once you’ve completed the setup process, you can easily make future payments through your bank’s bill pay system.
You can set up automatic monthly payments to American Family from your bank account or debit or credit card. Speak with your agent or call 1 (800) 692-6326 to get started.
Call 1 (866) 424-8002 to pay for your policy over the phone. You’ll need your billing account number and ZIP code to proceed. If the automated system won’t accept your ZIP code, press 0 to speak with a person.
You can send a check or money order to the following American Family address (yes, there’s really no street address):
American Family Insurance
Madison, WI 53777-0001
How Often Will American Family Increase My Premiums?
If you get into an accident…
Even safe drivers can get into unfortunate situations, and most of the time, getting a ticket or a violation on your record will lead to premium increases. In fact, your auto insurance rates will most probably increase even if you weren’t at fault in the accident.
If you’re a loyal customer…
Many American Family policyholders complained of price hikes even though they had maintained clean driving records. American Family offers a personal insurance review to assess your policy, see if you’re missing out on any discounts, factor in any lifestyle changes, and make sure you have the coverage you need. This is an excellent chance to raise any concerns you have about rate hikes and possibly get a better deal.
If you file a claim…
The number of claims you file will also impact your American Family premiums. If you file a claim, even for an accident where you weren’t at fault, your American Family rate will probably increase.
How Does American Family’s Claims Process Work?
You can file an insurance claim with American Family online by logging into your American Family account online and following the prompts. You can even file a claim for yourself or someone else as a guest without creating an account on the website. You can also call 1 (800) 692-6326 if you would rather speak to a representative. Once you’ve filed a claim, you can manage and track its progress online by entering the claim number and policy number.
How Can I Cancel My American Family Car Insurance Policy?
You can call your local insurance agent or speak with an American Family representative at 1 (800) MYAMFAM (1 (800) 692-6326) to cancel your policy.
Cancellation fees vary by state and policy, so you should consider canceling your policy at the end of the policy period to avoid such fees. Make sure you already have another insurance policy quote lined up for your car, so there are no gaps in your insurance.
You’ll also want to hold off on canceling your plan until you have your proof of insurance letter. Use an insurance comparison website like Insurify to find and compare auto insurance quotes for free.
How Much Does Uber/Lyft Coverage Cost with American Family?
If you have an American Family auto insurance policy, you can tack on a ridesharing endorsement to protect you during the time between when your personal coverage ends and your Uber or Lyft policy takes over. You’ll still need to buy coverage from Uber or Lyft to protect you while you actually have a paying passenger in the car; AmFam’s rideshare endorsement is only active between when you log into the Uber/Lyft app and when you get matched with a passenger.
Because the endorsement only operates for a brief window, it’s typically quite affordable—though specific costs will vary based on your driving history, location, credit score, and other factors. For example, a driver in Madison, Wisconsin with an American Family auto insurance premium of $100 per month can tack on a rideshare endorsement starting at $15 per month.
Insurance Companies Similar to American Family
According to Insurify’s internal database of over 1.6 million car insurance applications and our analysis of external sources, drivers who previously held American Family auto insurance often switched to the following companies:
We also found that people who now hold American Family auto insurance often switched from the following companies:
American Family Car Insurance Customer Satisfaction and Policyholder Reviews
Customer reviews for American Family are generally positive, with reviews consistently mentioning quality customer service and a good roadside assistance program.
Other customers complained that American Family’s handling of their claims was unsatisfactory and unhelpful.
American Family Mobile App Review
American Family’s app is fairly well-liked, with a rating of 4.5 on the Google Play store and 4.8 on Apple’s App Store. You can use the app to view your policy details and auto insurance ID card, make payments, file claims, and get roadside assistance.
|App store||Ratings (Out of 5)||User reviews|
|Mobile App (iOS)||4.8||34,376|
|Mobile App (Android)||4.5||3,487|
Frequently Asked Questions: American Family Car Insurance
Does American Family have good insurance?
American Family is a good option for car insurance if you're a driver with a clean record looking for a discount, if you’ve got a teenaged driver who’s pretty good behind the wheel, and if you plan to get multiple policies from AmFam (that would qualify you for the multi-product discount). It might not be a good option if you're looking for an insurance company with excellent customer service or the smoothest claims process. Also, drivers who live outside the 19 states where American Family provides coverage will have to look elsewhere.
How do you know if American Family is the cheapest car insurance in your area?
Shop around for insurance with an auto insurance quotes comparison site like Insurify to have a look at all the cheapest car insurance quotes and discounts for which you may be eligible. You can never rely on one insurance company to give you the best or the cheapest quote. Different insurance providers use different factors to set their rates, so even if a particular insurance company gave your friend a great rate that doesn’t mean it will be the best deal for you. That’s why it’s important to do your research and compare quotes among other insurance companies. This can be time-consuming, but Insurify helps you compare auto insurance quotes in a matter of minutes. All you have to do is put in some basic information about your driving profile, and you can compare up to 20 free quotes at once!
American Family Auto Insurance Overview
Headquartered in Madison, Wisconsin, American Family was founded in 1927.
American Family started out by providing auto insurance policies for farmers. In the 1950s, the company expanded to other forms of insurance coverage; today, it’s a Fortune 500 company and the ninth-largest auto insurance company. AmFam specializes in personal auto insurance coverage and other property and casualty insurance policies such as homeowners insurance. It also sells life insurance, health insurance (underwritten by other providers), commercial insurance, and specialty coverages like farm and ranch insurance, travel insurance, and credit monitoring. American Family’s Dream Foundation provides funding, volunteers, and grants at the community level.
A.M. Best, a credit rating company that assesses the financial strength of insurance companies, gives American Family an “A,” denoting excellent financial health and ability to pay out claims.
American Family Contact Information
|Customer service and claims service phone number||1 (800) 692-6326|
|Fraud reporting phone number||1 (608) 242-4100 ext. 31061|
|American Family account login||My account|
|Mailing address||American Family Insurance, 6000 American Parkway, Madison, WI 53783|