American Family vs Auto-Owners Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

Auto-Owners
86
What is this?

Insurify Composite Score

American Family VS Auto-Owners
89
86
What is this?
User Ratings
OptionsAmerican Family Auto-Owners
Rating/Reviews
138 reviews
63 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family Auto-Owners
Local AgentBetter than mostAmong the best
Overall SatisfactionBetter than mostBetter than most
Policy OfferingsBetter than mostAmong the best
PricingBetter than mostBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family Auto-Owners
Claim ServicingAbout averageBetter than most
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageBetter than most
Overall SatisfactionAbout averageBetter than most
Rental ExperienceAbout averageAmong the best
Repair ProcessAbout averageAbout average
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family Auto-Owners
Central823 pt
About average
847 pt
Better than most
Florida--812 pt
About average
North Central820 pt
About average
850 pt
Among the best
Northwest826 pt
Better than most
--
Southeast--842 pt
Better than most
Southwest819 pt
About average
--
Mobile App Ratings
RegionAmerican Family Auto-Owners
Android
1,081 Reviews
20 Reviews
iOS
6,200 Reviews
6 Reviews
Financial Ratings
OptionsAmerican Family Auto-Owners
A.M. BestAA++
FitchA+--
Moody'sAa3--
Standard & Poor'sA+--

Auto Insurance Quotes

For Married Drivers

CityAmerican Family Auto-Owners
Chicago$76$62
Philadelphia--$68
Phoenix$82$36

For Single Drivers

CityAmerican Family Auto-Owners
Chicago$76$65
Philadelphia--$68
Phoenix$82$40

For Male Drivers

CityAmerican Family Auto-Owners
Chicago$76$57
Philadelphia--$65
Phoenix$82$32

For Female Drivers

CityAmerican Family Auto-Owners
Chicago$76$70
Philadelphia--$71
Phoenix$82$43

For Drivers with Speeding Ticket

CityAmerican Family Auto-Owners
Chicago$102$97
Philadelphia--$81
Phoenix$121$56

For Drivers with No Speeding Ticket

CityAmerican Family Auto-Owners
Chicago$70$56
Philadelphia--$66
Phoenix$74$34

For Drivers Age Between 18-40

CityAmerican Family Auto-Owners
Chicago$76$65
Philadelphia--$68
Phoenix$81$40

For Drivers Age Between 40-65

CityAmerican Family Auto-Owners
Chicago$72$57
Philadelphia--$62
Phoenix$77$32

For Drivers Age of 65+

CityAmerican Family Auto-Owners
Chicago$89$84
Philadelphia--$91
Phoenix$104$49

For Drivers with Average Credit

CityAmerican Family Auto-Owners
Chicago$80$78
Philadelphia--$71
Phoenix$87$49

For Drivers with Fair Credit

CityAmerican Family Auto-Owners
Chicago$82$69
Philadelphia--$81
Phoenix$89$41

For Drivers with Good Credit

CityAmerican Family Auto-Owners
Chicago$73$59
Philadelphia--$60
Phoenix$80$35

For Drivers with Excellent Credit

CityAmerican Family Auto-Owners
Chicago$68$48
Philadelphia--$61
Phoenix$72$27

Quotes & Discounts

Discount typeAmerican Family Auto-Owners
Passive RestraintUp to 30%Up to 35%
Good StudentUp to 25%Up to 10%
MilitaryUp to 25%--
Senior AdultUp to 25%--
Student Away at SchoolUp to 25%Up to 25%
Multiple PolicyUp to 15%Up to 14%
Multiple VehicleUp to 13%Up to 31%
OccupationUp to 10%--
Low MileageUp to 8%--
Anti-lock BrakeUp to 5%Up to 10%
Driving HabitsUp to 5%--
Early QuoteUp to 5%--
Electronic Stability ControlUp to 5%--
Home OwnerUp to 5%--
LoyaltyUp to 5%--
New GraduateUp to 5%--
Paid in fullUp to 5%Varies
Preferred paymentUp to 5%--
Provider SwitchUp to 5%--
Sponsored MarketingUp to 5%--
TravelinkUp to 5%--
Accident FreeUp to 3%Varies
Daytime Running LightsUp to 3%--
Paperless documentsUp to 3%Varies
Accident ForgivenessVaries--
Anti-Theft DeviceVariesUp to 11%
Defensive DriverVaries--
teenSMARTVariesVaries
Company Car--Up to 5%
E-billing--Varies
EV/Hybrid--Varies
Good Credit--Varies
Good Driver--Varies
Mature driver--Varies
Organization--Varies
Prepay--Up to 14%

Payment Methods

Discount typeAmerican Family Auto-Owners
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
yes--
Mobile App Payments
yes--
Multi-Payment Installment Plans
yes--
Online Payment
yes--
Phone Payment
yes--

Features and Services

Features and ServicesAmerican Family Auto-Owners
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmerican Family Auto-Owners
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yesyes
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yesyes
Glass Coverage --yes
Legal Defense Costs Coverage
yes--
Pet Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Umbrella Policy
yesyes
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • Auto-Owners
  • Both

Uber and Lyft driver insurance

  • American Family
  • Auto-Owners
  • Both

Compare Insurance Products

ProductAmerican Family Auto-Owners
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insuranceyesyes
Condo InsuranceCondo Insuranceyes--
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Renters InsuranceRenters Insuranceyes--
RV InsuranceRV Insuranceyes--
Snowmobile insuranceSnowmobile insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • American Family Reviews
  • Auto-Owners Reviews
3.4
5 Stars
37 %
4 Stars
12 %
3 Stars
23 %
2 Stars
9 %
1 Star
19 %

Most Positive Review

By Theresa
They have been honest, personable,and easy to communicate with. Their rates are reasonable and automatic payments are a nice way to pay. I only am planning to switch because the location I'm moving to isn't covered by American Family.

Most Critical Review

By dmack
They base adjuster salaries on steering. In the adjuster performance reviews they have a required goal on steering vehicles to CRP shops and if the vehicles aren't repaired at the AmFam shop the adjuster will received a poor performance rating which ties directly to salary and promotional opportunities. Some adjusters will hang up on customers who are reporting a loss if they don't select a CRP as they don't want their performance rating impacted.

All Reviews

Showing 1 - 10 out of 138 Reviews
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Read reviews that mention

Charles
aholes
Tun
Patrick
Melvin
they help me out when nobody else would
Suzanne
We have been satisfied with their service but they are expensive.
Felicia
When I filled a claim I had no follow up from the claim adjuster. I am still waiting for my deductible to be paid back.
Stephanie
They have horrible customer service and the lack of integrity that my insurance agent has is 0
Daile
The customer service
Julia
Very good insurance and have been really happy with my agent and was originally the least expensive. Ive had a couple issues with the call center but not enough for me to really care. Looking to switch only because other companies are having lower prices for me now.
Michael
Price
Showing 1 - 10 out of 138 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.