4.8out of 3,000+ reviews

American Family vs Foremost Signature Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

Foremost Signature
Not Rated
What is this?

Insurify Composite Score

American Family VS Foremost Signature
89
Not Rated
What is this?
User Ratings
OptionsAmerican Family Foremost Signature
Rating/Reviews
138 reviews
0 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family Foremost Signature
Call Center Representative--The rest
Insurer Website--The rest
Local AgentBetter than mostBetter than most
Overall SatisfactionBetter than mostAbout average
Policy OfferingsBetter than mostThe rest
PricingBetter than mostAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family Foremost Signature
Claim ServicingAbout averageAbout average
Estimation ProcessAbout averageAbout average
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessAbout averageThe rest
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family Foremost Signature
Central823 pt
About average
--
Florida--849 pt
Among the best
New England--803 pt
The rest
New York--834 pt
Better than most
North Central820 pt
About average
811 pt
The rest
Northwest826 pt
Better than most
--
Southeast--796 pt
The rest
Southwest819 pt
About average
--
Texas--823 pt
About average
Mobile App Ratings
RegionAmerican Family Foremost Signature
Android
1,081 Reviews
1,187 Reviews
iOS
6,200 Reviews
224 Reviews
Financial Ratings
OptionsAmerican Family Foremost Signature
A.M. BestAA+
FitchA+AA-
Moody'sAa3Aa3
Standard & Poor'sA+AA-

Auto Insurance Quotes

For Married Drivers

CityAmerican Family Foremost Signature
Austin--$82
Chicago$76$96
Phoenix$82$66
Santa Monica--$119

For Single Drivers

CityAmerican Family Foremost Signature
Austin--$115
Chicago$76$133
Phoenix$82$102
Santa Monica--$205

For Male Drivers

CityAmerican Family Foremost Signature
Austin--$106
Chicago$76$120
Phoenix$82$89
Santa Monica--$194

For Female Drivers

CityAmerican Family Foremost Signature
Austin--$90
Chicago$76$110
Phoenix$82$79
Santa Monica--$130

For Drivers with Speeding Ticket

CityAmerican Family Foremost Signature
Austin--$150
Chicago$102$183
Phoenix$121$150
Santa Monica--$376

For Drivers with No Speeding Ticket

CityAmerican Family Foremost Signature
Austin--$87
Chicago$70$100
Phoenix$74$70
Santa Monica--$116

For Drivers Age Between 18-40

CityAmerican Family Foremost Signature
Austin--$123
Chicago$76$137
Phoenix$81$106
Santa Monica--$225

For Drivers Age Between 40-65

CityAmerican Family Foremost Signature
Austin--$76
Chicago$72$90
Phoenix$77$61
Santa Monica--$117

For Drivers Age of 65+

CityAmerican Family Foremost Signature
Austin--$90
Chicago$89$125
Phoenix$104$86
Santa Monica--$96

For Drivers with Average Credit

CityAmerican Family Foremost Signature
Austin--$113
Chicago$80$130
Phoenix$87$99
Santa Monica--$148

For Drivers with Fair Credit

CityAmerican Family Foremost Signature
Austin--$107
Chicago$82$115
Phoenix$89$75
Santa Monica--$131

For Drivers with Good Credit

CityAmerican Family Foremost Signature
Austin--$74
Chicago$73$96
Phoenix$80$69
Santa Monica--$126

For Drivers with Excellent Credit

CityAmerican Family Foremost Signature
Austin--$99
Chicago$68$118
Phoenix$72$93
Santa Monica--$244

Quotes & Discounts

Discount typeAmerican Family Foremost Signature
Passive RestraintUp to 30%Varies
Good StudentUp to 25%Varies
MilitaryUp to 25%--
Senior AdultUp to 25%--
Student Away at SchoolUp to 25%Varies
Multiple PolicyUp to 15%Varies
Multiple VehicleUp to 13%Varies
OccupationUp to 10%--
Low MileageUp to 8%--
Anti-lock BrakeUp to 5%Varies
Driving HabitsUp to 5%Varies
Early QuoteUp to 5%Varies
Electronic Stability ControlUp to 5%--
Home OwnerUp to 5%Varies
LoyaltyUp to 5%Varies
New GraduateUp to 5%--
Paid in fullUp to 5%Varies
Preferred paymentUp to 5%Varies
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 ForgivenessVariesVaries
Anti-Theft DeviceVariesVaries
Defensive DriverVariesVaries
teenSMARTVaries--
Advance shopper--Varies
Affinity group--Varies
Alumni--Varies
Claims Free Renewal--Varies
Deductible--Varies
Driving training--Varies
E-billing--Varies
Good Driver--Varies
Organization--Varies
Prepay--Varies
Professional organization--Varies
Roadside Assistance--Varies
Seat Belt Use--Varies
Signing documents when you buy online--Varies
Starting your auto quote online--Varies
Youth Driving--Varies

Payment Methods

Discount typeAmerican Family Foremost Signature
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yesyes
Online Payment
yesyes
Pay Through Your Agent
--yes
Payroll Deduction
--yes
Phone Payment
yesyes
Prepayment
--yes

Features and Services

Features and ServicesAmerican Family Foremost Signature
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmerican Family Foremost Signature
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yesyes
Glass Coverage --yes
Legal Defense Costs Coverage
yesyes
New Car Replacement Coverage
--yes
Original Equipment Manufacturer Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Umbrella Policy
yes--
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • Foremost Signature
  • Both

Uber and Lyft driver insurance

  • American Family
  • Foremost Signature
  • Both

Compare Insurance Products

ProductAmerican Family Foremost Signature
Accident InsuranceAccident Insurance--yes
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Cancer InsuranceCancer Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Critical Illness InsuranceCritical Illness Insurance--yes
Dental InsuranceDental Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Hospital Indemnity InsuranceHospital Indemnity Insurance--yes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insurance--yes
Snowmobile insuranceSnowmobile insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes
Vision InsuranceVision Insurance--yes

User Reviews

  • American Family Reviews
  • Foremost Signature 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.