American Family Insurance Review

American Family Insurance Review

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

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

About American Family Insurance

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

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

AM Best offers the company a An evaluation for financial strength, showing the insurer’s ability to pay claims. AmFam also holds a An evaluation of the BBB.

U.S. Family Insurance Pricing and Discounts

Our cost estimates for American Family auto insurance policies show that 35-year-old married drivers with good driving records and good credit pay on average $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.

The table below shows average annual cost estimates by state for American Family Insurance. It is important to note that these are estimates only and should not be used as an expectation of what you will 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
  • Genre
  • Marital status
  • Location
  • Driving record
  • credit history
  • Vehicle

Icons showing the factors that influence the cost of car insurance

Discounts on US family insurance

Although the cost of your policy varies, reviews from American Family Insurance show that customers are happy with the company’s wide variety of discounts.

Here is an overview car insurance discount American Family offers:

Auto Insurance Coverage American Family Insurance

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

Policyholders can also take out 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 destroyed in an accident.
  • Rental Car Reimbursement Coverage: American Family Insurance offers this coverage to help pay for a rental car while your vehicle is at the store after a covered accident.
  • Emergency road service coverage: This includes towing, battery jumping, tire service, gas and oil delivery, locksmiths and roadside repairs.
  • Accidental death and dismemberment insurance: This option helps pay for death or certain injuries resulting from a car accident, regardless of who is at fault.

American Family Insurance also offers free access to one of its mobile apps, KnowYourDrive. This is a usage-based car insurance program that offers up to 20% discounts based on the safety of your driving. When you sign up, you can also receive a 10% introductory offer.

US 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 2022 JD Power US Insurance Purchases Study℠, corresponding to the segment average of 855 out of 1,000 points.

While American Family Insurance reviews speak positively of its claims process, the same cannot be said for all areas. The supplier has a 1.1 star customer rating out of 5.0 on the BBB website, with 153 closed complaints over the past three years. American Family Insurance reviews on Trustpilot give it a 2.8 star rating out of 5.0. Although these ratings may seem low, it is normal for a company of this size to have negative reviews.

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

Our review team contacted American Family Insurance for comment on its negative reviews, but did not receive a response.

Conclusion on American family insurance

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

In addition to auto insurance, American Family Insurance offers:

  • Home Insurance
  • Tenant insurance
  • Business insurance
  • Owner’s 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 auto insurance options

American Family Insurance reviews show that it’s a reputable insurer, but it’s far from your only option. You should consider getting auto insurance quote from other reputable providers before making a final decision.

Geico: affordable for most drivers

Geico is the industry’s second-largest car insurance provider. According to the NAIC, the insurer had a 14.3% market share in 2021 and underwrote more than $37.4 billion in insurance premiums. The company offers six standard coverage options, plus add-ons such as emergency roadside assistance, rental car reimbursement, carpooling insurance and mechanical breakdown insurance. Geico has a A+ rating BBB and a Financial strength rating A++ by AM Best.

Read more: Geico Insurance Review

Progressive: reduced rates for high-risk drivers

Progressive is the third largest auto insurer in the country. The company underwrote more than $35 billion in auto insurance premiums in 2021, according to the NAIC, and held a 13.7% market share. Progressive offers six types of standard coverage in addition to optional coverage, including loan/lease repayment, roadside assistance and the value of custom parts and gear. The insurer also offers several discount opportunities for drivers and has high expert ratings, including a Financial strength rating A+ by AM Best.

Read more: Progressive insurance review

US Family Insurance Review: FAQs

Below are frequently asked questions about US family insurance:

Our Methodology

Because consumers rely on us to provide unbiased and accurate information, we’ve created a comprehensive rating system to formulate our ranking of the best car insurance companies. We’ve collected data on dozens of car insurance providers to score companies on a wide range of ranking factors. The end result was an overall score for each provider, with insurers who scored the most points at the top of the list.

Here are the factors taken into account by our assessments:

  • 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 insurance coverage choices are more likely to meet consumer needs.
  • Reputation (15% of total score): Our research team considered market share, industry expert ratings, and years in business to assign this score.
  • Availability (10% of total score): Auto insurance companies with greater state availability and fewer eligibility criteria scored higher 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 customer analysis.

*Data correct at time of publication.

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