American Family is one of the most costly auto insurance providers in the country. Only Allstate and Farmers are more expensive, with average yearly rates of $1461 across all demographic categories. Compared to USAA (the least expensive provider in our study), which has an average annual rate, American Family clients pay nearly 66 percent more for vehicle insurance.
American Family is considered to be one of the best car insurance companies in the country. We at Way.com have decided to get some boots on the ground and review how the auto insurance company American Family insurance performs for its customers.
| Pros | Cons |
|---|---|
| Competitive rates for drivers with driving violations | Most demographic groupings have higher-than-average rates |
| Simple to open an account | Available in limited locations |
| Several discounts available |
American Family offers repair programs to help customers quickly get back on the road.
Following a claim, the Dreams Restored Program connects drivers with a reputable repair shop in their area. The direct relationship that American Family has with these auto shops results in faster repairs and a lifetime quality guarantee.
American Family has partnered with Safelite. This is a mobile glass repair company that can fix or replace your windshield at home, work, or wherever your car is kept for windshield repairs. Windshield repairs are usually covered if you have comprehensive coverage and a covered event caused the damage. American Family may even waive your glass deductible if your windshield can be repaired rather than replaced.
American Family provides standard coverages and also offers some common add-on coverages. Although American Family does not provide many unique coverage options, it is one of the few insurers that offer original equipment manufacturer (OEM) coverage. This coverage ensures that if your car is damaged, no aftermarket parts are used to repair it.
The best car insurance companies often offer higher coverage limits than what your state requires; our survey compared rates for three different coverage levels.
In our survey with low coverage, drivers pay an average of $1404 per year with American Family, while drivers with medium coverage pay somewhat more, at $1458. High coverage is not significantly more expensive than low Coverage with American Family. In our study, the increase from low to high Coverage only adds around $60 per year or about $5 per month.
We defined our coverage levels based on the following factors.
Low Liability Coverage: The state's liability limits.
Medium Coverage:
| Amount of coverage | Purpose of coverage |
|---|---|
| $50000/$100000 | Liability for bodily injury |
| Liability for bodily injury caused by an uninsured motorist | |
| Liability for bodily injury caused by an underinsured motorist |
| Amount of coverage | Purpose of coverage |
|---|---|
| $50000 | Liability for property damage |
| Property damage responsibility for uninsured motorists | |
| Property damage responsibility for underinsured motorists |
High coverage:
| Amount of coverage | Purpose of coverage |
|---|---|
| $100000/$300000 | Liability for bodily injury |
| Liability for bodily injury caused by an uninsured motorist | |
| Liability for bodily injury caused by an underinsured motorist |
| Amount of coverage | Purpose of coverage |
|---|---|
| $100000 | Liability for property damage |
| Property damage responsibility for uninsured motorists | |
| Property damage responsibility for underinsured motorists |
Regardless of which insurance company you choose for auto insurance, the amount you pay will be determined by various criteria such as your age, driving record, where you live, and other factors.
Drivers under the age of 25 pay more for auto insurance with American Family than older drivers, which is typical of all insurance providers in our analysis. Men in this age group pay an average of $1764 per year, while car insurance for women in the same age group costs $1662.
American Family cannot be considered as the best car insurance for students. The car insurance for 18 year olds is expensive from American Family. According to our research, men in this cohort pay more for auto insurance than women with any insurer and face some of the highest rates of any demographic group.
| Age Bracket and Gender | Average annual premium |
|---|---|
| <18 or 18-year-old female | $4050 |
| <18 or 18-year-old male | $4500 |
With the insurance companies in our analysis, rates tend to fall as drivers age, and American Family is no exception.
| Age Bracket and Gender | Average annual premium |
|---|---|
| <25 or 25-year-old female | $1665 |
| <25 or 25-year-old male | $1770 |
The lowest average rates of any age group in the 60-year-old category, at $1284 for males and $1281 for women.
| Age Bracket and Gender | Average annual premium |
|---|---|
| <60 or 60-year-old female | $1281 |
| <60 or 60-year-old male | $1284 |
| Type of Drivers | Average annual car insurance premium |
|---|---|
| Good Drivers | $1461 |
| Drivers with a speeding ticket | $1632 |
| Drivers Who Caused an Accident with Injury | $1665 |
| Drivers with a DUI | $1728 |
| States | American Family Annual Cost Estimate |
|---|---|
| Arizona | $1554 |
| Colorado | $2010 |
| Idaho | $1068 |
| Illinois | $1515 |
| Indiana | $1242 |
| Iowa | $1212 |
| Kansas | $1215 |
| Minnesota | $1344 |
| Missouri | $1434 |
| Nebraska | $1425 |
| Nevada | $2781 |
| North Dakota | $1023 |
| Ohio | $978 |
| Oregon | $1485 |
| South Dakota | $1203 |
| Utah | $1665 |
| Washington | $1746 |
| Wisconsin | $1119 |
American Family provides the standard discounts offered from other insurance providers, at least some of which should assist practically anyone saves money on their annual premiums.
If you are a current American Family client or are considering switching, make sure to review your choices with your agent to optimize your savings:
American Family also provides savings for paperless document delivery, auto-pay enrollment, and full prepayment. Get in touch with your car insurance agent to get the best auto insurance discounts for yourself.
Overall, American Family auto insurance has a solid reputation. Many people have had positive experiences with their American Family agents and have stayed with the company for years.
If you are looking for cheap car insurance, then American Family is the best auto insurance for you. If you are looking for car insurance after DUI go for American Family. You can get free car insurance quotes by logging onto the website of American Family. When you are opting for American Family, always look for the cheapest cars to insure. This will help you get affordable car insurance quotes.
American Family Insurance is a solid company. Their features include auto coverage, discounts, and other insurance options. Even for those with more complex insurance requirements, numerous options are available.
In terms of coverage and technology, American Family is an excellent provider. American Family has a service area of only 19 states across the country. If you live near one of the locations, have a teen driver in your family, or want to bundle multiple policies, it may be a good option for you.
AmFam, or American Family, has been in business for over 90 years and is headquartered in Madison, Wisconsin. Since 1927, American Family — or AmFam — has been kicking around the insurance industry in various forms.
American Family is now one of the top ten insurance companies in the United States for auto and home policies. It provides coverage in 19 states.
American Family was founded in 1927 as Farmers Mutual Automobile Insurance Company, and the company's name was changed permanently to American Family Mutual Insurance Co. in 1963.
American Family is well-known for its commitment to the community and environmental programs. The insurance company also provides grants to non-profit organizations.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Drivers who purchase comprehensive insurance through American Family typically pay around $1440 per year.
Yes, rental car insurance is available from American Family. If a driver has a liability, comprehensive, or collision coverage and is driving in the United States, American Family rental car insurance is usually included in their car insurance policy.
American Family is a good insurance company for people who can benefit from various optional coverage add-ons. It has fewer complaints than the average NAIC complaint and J.D. Power customer service ratings.
Yes, American Family offers a payment grace period of up to 30 days, with specific timeframes varying by state law. Policyholders can pay their past-due premiums during the American Family grace period to avoid a lapse in coverage.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
Free quotes from 200+ carriers in seconds