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American Family Insurance Review

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American Family Insurance reviews show that it’s a reputable insurer with nearly 100 years of experience in providing drivers with auto insurance. The company, often known as AmFam, ranks as one of the 10 largest auto insurance companies nationwide, according to the National Association of Insurance Commissioners (NAIC).

This in-depth guide will examine American Family Insurance reviews, along with the company’s reputation, availability, costs and services. We at the Home Media reviews team will then compare it with the nation’s best car insurance companies to see how it measures up.

About American Family Insurance

American Family Insurance is the ninth largest car insurance company in the United States. It was founded in 1927 in Madison, Wis., as Farmers Mutual Automobile Insurance Company. American Family Insurance currently operates in 19 states.

According to the NAIC, American Family Insurance wrote more than $5.4 billion in direct auto insurance premiums in 2021 and owned 2.1% of the country’s overall market share.

AM Best gives the company an A-rating for financial strength, showing the insurer’s ability to pay out claims. AmFam also holds an A-rating from the BBB.

American Family Insurance Pricing and Discounts

Our cost estimates for American Family auto insurance policies show that married 35-year-old drivers with clean driving records and good credit pay an average of $1,537 annually for full coverage. This is about 11% lower than the national average, which is $1,730 per year for a full-coverage policy.

Icons showing the factors that influence the cost of car insurance

The table below shows average annual cost estimates by state for American Family Insurance. It’s important to note that these are only estimates and should not be used as an expectation of what you’ll pay for coverage.

American Family Insurance reviews show that the company has relatively reasonable rates for high-risk drivers and drivers with recent DUIs. Your car insurance premium will depend on a number of factors, including these:

  • Age
  • Gender
  • marital status
  • Lease
  • driving record
  • Credit history
  • Vehicle

Icons showing the factors that influence the cost of car insurance

American Family Insurance Discounts

While the cost of your policy will vary, American Family Insurance reviews show customers who are satisfied with the company’s wide variety of discounts.

Here’s a look at car insurance discounts American Family offers:

American Family Insurance Car Insurance Coverage

American Family Insurance reviews show that these are the company’s six most common coverage options:

Policyholders can also purchase the following insurance products:

  • gap insurance: Optional gap coverage helps pay the difference between what you owe and what your car is worth if your vehicle is totaled in a crash.
  • Rental car reimbursement coverage: American Family Insurance offers this coverage to help pay for a rental car while your vehicle is in the shop after a covered accident.
  • Emergency road service coverage: This includes towing, battery jumps, tire servicing, gas and oil delivery, locksmiths and roadside repairs.
  • Accidental death and dismemberment coverage: This option helps pay in the event of death or certain injuries resulting from a car accident no matter who’s at fault.

American Family Insurance also offers free access to one of its mobile apps, KnowYourDrive. It’s a usage-based car insurance program that provides up to a 20% discount based on how safe your driving behavior is. When you enroll, you may also receive a 10% introductory offer.

American Family Insurance Reviews

American Family Insurance reviews show average satisfaction among its customers. The company ranked sixth for customer satisfaction among midsize insurers in the JD Power 2022 US Insurance Shopping Study℠, matching the segment average of 855 out of 1,000 points.

While American Family Insurance reviews speak positively of its claims process, the same can’t be said across the board. The provider holds a 1.1-star customer rating out of 5.0 on the BBB website, with 153 complaints closed in the last three years. American Family Insurance reviews on Trustpilot give it a 2.8-star rating out of 5.0. While these may seem like low scores, it’s normal for a company of this size to have negative reviews.

Positive American Family Insurance reviews praise the company for its affordable coverage and great customer experience. Negative reviews highlight issues with denied claims and an inconsistent payout process.

Our review team reached out to American Family Insurance for a comment on its negative reviews but did not receive a response.

Bottom Line on American Family Insurance

We give American Family Insurance a score of 8.5 out of 10.0. The car insurance provider has many discounts and potential add-ons, but coverage is only available in 19 states and customer reviews are mixed. Overall, we recommend looking into other options.

In addition to auto insurance, American Family Insurance offers:

  • home insurance
  • Renters insurance
  • business insurance
  • landlord insurance
  • Life insurance
  • Credit monitoring
  • Identity theft insurance
  • health insurance
  • Travel insurance
  • umbrella insurance

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

Other Options for Car Insurance

American Family Insurance reviews show it to be a reputable insurer, but it’s far from your only option. You should consider getting car insurance quotes from other reputable providers before making any final decisions.

Geico: Affordable for Most Drivers

Geico is the second largest auto insurance provider in the industry. According to the NAIC, the insurer held 14.3% of the market share in 2021 and wrote more than $37.4 billion in insurance premiums. The company offers six standard coverage options, as well as add-ons such as emergency roadside assistance, rental car reimbursement, rideshare insurance and mechanical breakdown insurance. Geico has a year A+ rating from the BBB and an A++ financial strength rating from AM Best.

Read more: Geico insurance review

Progressive: Low Rates for High-risk Drivers

Progressive is the third largest auto insurer in the nation. The company wrote more than $35 billion in auto insurance premiums in 2021, according to the NAIC, and owned 13.7% of the market share. Progressive offers six standard types of coverage in addition to optional coverage including loan/lease payoff, roadside assistance and custom parts and equipment value. The insurer also offers several discount opportunities for drivers and has high ratings from experts, including an A+ financial strength rating from AM Best.

Read more: progressive insurance review

American Family Insurance Review: FAQs

Below are frequently asked questions about American Family Insurance:

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

  • Cost (30% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
  • Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
  • Reputation (15% of total score): Our research team considered market share, ratings from industry experts and years in business when giving this score.
  • Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
  • Customer Experience (15% of total score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by JD Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

*Data accurate at time of publication.

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