American Family car insurance coverage
American Family offers several types of coverage options, including the most common:

Collision
This can help pay for repairs to your own car if it’s involved in a collision, regardless of who was at fault.

Comprehensive
If something non-collision-related happens, like if your car is stolen, a flood damages your vehicle, or you hit an animal, this will pay to repair your car after you meet your deductible.

Property damage liability
If you damage someone else’s car or other property, this coverage helps pay for the damage. It’s mandatory in most states.

Bodily injury liability
Similarly, most states require this coverage and it pays for any medical bills for people you injure (not including those in your own car).

Medical expense/personal injury protection
This pays the medical bills for you and anyone in your car. Personal injury protection may also pay for lost wages, funeral expenses, and the cost of hiring temporary help while you recover.

Underinsured/uninsured motorist coverage
If a driver with not enough or no insurance hits you, this coverage will kick in and help pay for injuries and repairs.
Additionally, American Family offers some less common optional coverages, including:
Gap coverage: If your car is totaled in an accident and the insurance payout doesn’t cover the remainder of your loan balance, gap insurance will cover that shortfall.
Rental reimbursement coverage: File a claim to get your money back if you need to pay to rent a vehicle while your car is repaired.
Roadside assistance: If you need a tow or jumpstart, this can help cover the services cost and give you peace of mind.
Accidental death and dismemberment coverage: If you lose a limb or die in an accident, this will help pay for those expenses.
Rideshare coverage: Rideshare apps typically cover you when someone’s in your car, but not when you’re waiting to accept a passenger. This insurance provides coverage during the gaps in which the rideshare company does not.
How to get an American Family car insurance quote
You can get a quote from American Family in a few different ways:

Online
Fill out a quick form to get a custom quote and to get connected with a local agent who can serve as your point of contact for your policy.

By phone
You can call 1-800-692-6326 to talk to someone over the phone and get a quote.

Local agent
You can also search American Family’s website to find a local agent who you can visit.
You can also submit a quote request for auto insurance through Insurify. If American Family is available in your state, you’ll have the advantage of seeing what it can offer compared to its competitors. That can help speed up your shopping and decision-making process.
American Family car insurance cost by state
The cost of an American Family Insurance car insurance policy can vary depending on where you live. States set their own minimum car insurance requirements and laws.[2]
Here’s how much you can expect to pay per month, on average, for a full-coverage policy in some of the states where American Family Insurance operates:
Actual quotes may vary based on the policy buyer's unique driver profile.
American Family auto insurance rates by driving history
When you purchase an insurance policy, the company may check with state officials to see if you have any recent violations.[3] If you already have violations on your driving record, insurers may view you as more risky and more likely to file a claim.[2] For that reason, companies typically charge higher rates or may even deny coverage.
Here’s how much having certain negative marks on your driving record might affect the rates you pay for a full-coverage car insurance policy through American Family Insurance:
Quote Price by Driving Record
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
American Family car insurance cost by age
Similarly, insurers consider your age when determining your auto insurance premiums. Young and new drivers are at a higher risk of car accidents,[4] so insurers tend to price coverage options higher for people with less experience behind the wheel.[2]
Quote Price by Age Group
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: Compare Car Insurance by Age and Gender
American Family car insurance discounts
American Family Insurance provides 16 different discount options that you might qualify for to reduce your car insurance costs. These can broadly make up four different categories.
General discounts available through American Family Insurance include:
Loyalty: The longer you stay with American Family Insurance, the higher discount you earn.
Steer Into Savings: The amount of this discount varies depending on what state you live in and rewards you for switching to American Family from another insurer.
Early bird: This discount also varies by state and is easy to earn if you switch to American Family from another insurer and request a quote at least seven days before your new policy starts.
American Family Insurance also offers three discounts if you sign up for services that streamline your billing:
Paperless: Sign up to receive e-statements to earn this quick discount.
Autopay: Forget the hassle of remembering to make payments and get a discount if you sign up for automatic electronic payments.
Pay in full: If you pay your entire premium up front, rather than in monthly installments, you’ll get another discount.
As the company name might imply, American Family Insurance also offers several discounts that families might appreciate:
Generational: If your parents are current American Family customers and you buy a policy too, you get a reduced rate on your insurance.
Away at school: People younger than 25 who leave their car parked at home (with parents) while they’re more than 100 miles away attending school can also qualify for a discount.
Young volunteer: If you’re younger than 25 and can document more than 40 hours of volunteer service per year for a nonprofit, American Family will reward you with a discount.
Teen Safe Driver: If your teen driver uses the American Family Teen Safe Driver app, it’ll record their driving, give them tips on how to improve, show you where they’ve gone, and give you a discount of up to 10% off your policy.
Good student: If you’re a student between the ages of 16 and 25, American Family provides a discount if you can show that you maintain a 3.0 GPA.
Finally, American Family Insurance also offers several safety-related discounts:
Low mileage: If you drive 7,500 miles or less per year, American Family offers a discount since you’re not using your car very much.
Defensive driver: If you’re older than 55 and finish an approved defensive driver training class, you may qualify for another discount.
Good driving: If you drive safely and don’t file any claims for a certain period of time, you’ll qualify for another discount (and avoid paying any deductible or dealing with an increase in your insurance rate, too).
Auto safety equipment: American Family Insurance also offers discounts if your car comes equipped with certain safety features, like factory-installed airbags.
Pay-How-You-Drive program: This app-based program records your driving habits and offers discounts depending on how safely you drive.
Learn More: Car Insurance Discount Guide
American Family Insurance bundling options
One of the easiest ways to save money is to buy all your insurance policies from the same company and earn a bundling discount. American Family Insurance offers two different bundling discounts:
Multi-product: If you purchase other types of insurance through American Family, such as homeowners insurance, you may qualify for a discount of up to 23%.
Multi-car: If you insure more than one car through American Family, you could qualify for yet another discount.
Check Out: Bundle Home and Auto Insurance: Save With Discounts