CONNECT Auto Insurance: User Reviews and Quotes (2024)

American Family Insurance owns CONNECT, which offers car insurance directly to consumers and through partnerships with Costco and Ameriprise Financial Inc. While its rates are higher than many competitors, CONNECT offers some coverage options others don’t, including stolen key coverage, accident travel expense coverage, and a deductible waiver for windshield repair.

Here’s what you need to know about CONNECT insurance and how to compare quotes from multiple companies to decide which is right for you.

How CONNECT compares to other insurance companies

CONNECT generally charges higher rates than many competitors. But you may be eligible for discounts like a defensive driver discount or savings for vehicle safety features. CONNECT also offers savings for young drivers, including its student-away and good-student discounts.

The insurer received top marks for customer service, beating out competitors in many markets. CONNECT (or American Family, the company behind its insurance) received the second-highest rating in California, the Central Region, and the Southwest Region in J.D. Power’s 2023 U.S. Auto Insurance Study.^[1]

But it’s worth noting that CONNECT received an above-average number of complaints, according to the National Association of Insurance Commissioners (NAIC). Other close competitors, such as Erie Insurance Company and Auto-Owners, received a below-average number of complaints.

The table below shows more details on how CONNECT stacks up.

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How CONNECT rates compare to competitors

CONNECT sells coverage through American Family. Its rates tend to be higher compared to competitors such as Auto-Owners and CSAA. The chart below shows average monthly full-coverage rates for some of CONNECT’s competitors.

Average cost of CONNECT auto insurance

Your age and driving history significantly affect your car insurance rates. Insurers view people with incidents like speeding tickets, accidents, and DUIs as higher-risk, so they charge higher rates to make up for the added risk of these drivers filing a claim. People with a clean record generally pay the lowest rates.

See how monthly liability rates for CONNECT compare to the national averages for different driver profiles. CONNECT sells coverage through American Family Insurance, so the rates shown in the table below are for American Family.

CONNECT car insurance cost by state

Car insurance requirements vary by state. So the types of coverage and amount of coverage you need typically depend on where you’re located. Insurance companies also look at different risk profiles across states based on driver demographics and other factors. For example, urban areas tend to have higher rates than rural ones due to a higher theft risk and more drivers on the road.^[2]

CONNECT sells policies through American Family Insurance. Here’s a closer look at the average American Family rates in most of the states where it operates compared to the overall averages for those states.

CONNECT car insurance discounts

Car insurance discounts can save you money. So when shopping around for a new insurer, it’s important to see what savings opportunities may be available to help you get the lowest rate.

CONNECT offers a wide variety of discounts that can reduce your premium, including:

• Good driver discount (California only)

• Premier safety discount (available to drivers with no claims, traffic violations, or accidents for the prior four years)

• Defensive driver discount

• Vehicle safety feature discount for anti-lock brakes, airbags, automatic seat belts, and anti-theft devices

• Garaging discounts for vehicles stored overnight in a garage

• Good student discounts

• Student away discounts (available to students attending school 100 or more miles away from home)

• Multi-car discount

• Multi-policy discount

How customers feel about CONNECT

CONNECT (or American Family) received top marks for customer service. On J.D. Power’s overall customer satisfaction survey, its ranking was the second-highest of any companies in California, the Central Region, and the Southwest Region. AM Best, which measures financial stability, also gave American Family an A rating.^[3]

But CONNECT received an above-average number of complaints in the database maintained by the NAIC. And while the insurer received an A+ rating from the Better Business Bureau (BBB), it received just 1.25 out of 5 stars based on more than 100 BBB customer reviews. American Family did far better on Trustpilot reviews, though, earning 4.7 out of a possible 5 stars in more than 400 reviews.

CONNECT ratings

Ratings from AM Best, J.D. Power, and the NAIC Complaint Index can help you get a better idea of whether CONNECT is right for you when comparing insurance companies. AM Best is the world’s largest credit-rating agency focused on the insurance industry. The NAIC maintains an index of complaints from consumers. And J.D. Power has 50 years of experience delivering data on customer brand perception.

Here’s a closer look at how these three sites rate CONNECT.

CONNECT car insurance coverage options

CONNECT offers state-minimum coverage options, including bodily injury and property damage liability insurance. These coverages pay for losses the policyholder causes if they injure others or damage property belonging to others.

Other common types of coverage are also available from CONNECT, including:

• 

  Comprehensive coverage

  Usually part of a full-coverage policy, comprehensive insurance protects you financially after non-collision-related vehicle damage.

• 

  Collision coverage

  Adding collision insurance can help pay for crash-related losses to your car vehicle, regardless of fault.

• 

  Uninsured/underinsured motorist coverage

  While not required in all states, uninsured/underinsured motorist coverage pays for losses caused by another driver who has too little insurance to meet their responsibility of paying for damages.

• 

  Gap coverage

  Gap insurance pays the difference between the outstanding vehicle loan balance and the amount the insurer would pay out if the vehicle was stolen or declared a total loss.

The insurer sets itself apart by offering some unique coverage options not available from all competitors, including:

• 

  Stolen key replacement

  This optional coverage pays up to $250 to replace the locks if your vehicle key is stolen.

• 

  Accident travel expense coverage

  This add-on helps pay for out-of-pocket travel expenses when a crash occurs more than 100 miles from home.

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Other options for CONNECT customers

CONNECT doesn’t just offer auto insurance. And if you sign up for additional policies, you may qualify for a multi-policy discount. Here are some other kinds of coverage you can choose:

• Homeowners, renters, and condo insurance: This coverage pays if someone gets hurt at your home, condo, or apartment. It also covers the possessions in your home and many types of damage to the dwelling and exterior buildings.

• Umbrella insurance: Umbrella insurance is a type of secondary insurance that pays any additional legal costs and damages you may owe if someone sues you and your auto or home insurance doesn’t fully cover losses.

Business insurance and other specialty insurance, such as motorcycle and boat insurance, are also available through CONNECT partners.

CONNECT insurance FAQs