Auto Insurance Review: American Family

American Family’s car insurance is best suited to those who live within one of the 19 states it serves and for individuals who value a wide array of insurance options and features. Due to its overall offerings, it could provide a solid option for many types of customers, specifically because of the depth of discounts available.

By    |  
quality verifiedQuality Verified
quality verifiedQuality Verified

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

By    |  
quality verifiedQuality Verified
quality verifiedQuality Verified
  1. Home
  2. Auto Insurance Review - American Family
iconribbonscore78

5/5

discounts

3/5

complaints

3/5

satisfaction

4/5

stability

2/5

affordability


pros

This is an iconMany insurance and coverage options
This is an iconConvenient app and online features
This is an iconMany discount opportunities

cons

This is an iconLimited nationwide availability
This is an iconNo dedicated claims number

American Family Insurance’s main draw is choice. There are many insurance types, coverages and customer support features available from the company. They also give customers many opportunities to get discounts on their policy. However, American Family Insurance's car insurance is only available in 19 states, which leaves out many Americans. But, for those who live in a state which the company serves, American Family could be a solid option.

How Does American Family Auto Insurance Rate?

American Family Insurance has been rated by companies like J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) with fair-to-excellent results in the areas of customer satisfaction and financial stability. So, for those who highly value those aspects in an insurer, American Family Insurance may be a somewhat compelling option.

Customer Satisfaction Rating

First Notice of Loss:
3/5
Estimation of Process:
3/5
Repair Process:
5/5
Claims Servicing:
4/5
Rental Experience:
3/5
Settlement:
3/5

According to J.D. Power’s most recent auto insurance customer satisfaction study, American Family Insurance has an average score when it comes to factors like overall satisfaction, repair process and claims servicing.

Customer Complaint Ratio

American Family

The NAIC provides another avenue for gauging customer satisfaction in the form of its complaints index which ranks companies based on their average complaints received in a given year. The national median complaint ratio is 1. So, by comparison, American Family Insurance comes out in a better position, with fewer complaints, at 0.55.

Financial Strength

AM Best ranks insurance companies based on their financial strength and provides a way to gauge their ability to pay in the event of a claim. According to their rankings, American Family Insurance earns an “A” rating, meaning that it has a solid financial standing and is stable enough to honor its obligations to customers. Keep in mind, however, that this is an estimate, rather than a warranty.

Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

American Family Insurance Features

American Family Insurance is robust. Their features include everything from their customer support features to their auto coverage options, discounts and other insurance options. Even for those with more complex insurance needs, there are plenty of options to go around.

  • Type of Feature
    Description
  • Online Price Quotes
    You can get a personalized quote through their website.
  • Online Bill Pay
    Customers can pay bills with the app or via the robust online account portal.
  • Online Claims
    As with the app, customers can file claims through their online account on a desktop PC.
  • Mobile App
    Customers can use the MyAmFam app (available for Android and iPhone devices) to pay their bills, file a claim and view documents.

American Family Auto Coverage

The more basic auto insurance coverages required by law will vary depending on where you live. But the following coverages are some you might find with American Family.

  • Type of Coverage
    Description
  • Collision
    Protection against collision or rollover damages.
  • Personal Injury Protection
    Helps reimburse you and your passengers for any lost income as well as medical or child-care costs.
  • Uninsured
    Applies if you get in a car accident with someone who doesn’t have insurance.
  • Liability
    Covers you if you cause a car accident resulting in injury to someone else. Covers you in the event that your vehicle causes damage to someone’s property.
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Optional Insurance Features and Coverage

American Family Insurance offers an array of insurance options and coverages beyond car insurance. These options fall into three main categories of coverage: other types of vehicles, property and business insurance, and added protection. The wide-ranging nature of their options can make it easier to bundle your policies together, which can help you save money — though it’s always still worth shopping around to see if you can get a lower total cost by diversifying your insurers.

  • Type of Option
    Description
  • Rental Reimbursement
    Helps pay for your rental car while your car is being repaired.
  • Roadside Assistance
    Provides assistance if your car breaks down, leaving you stranded.
  • Gap Coverage
    Covers the gap between your leased car’s worth and what you owe if it’s totaled.
  • Accidental Death Dismemberment
    Coverage that helps pay in the event of death or certain injuries from a collision.
  • Medical Payments
    Helps pay for medical care for the policyholder as well as passengers in the event of an accident.

Available Discounts on American Family Car Insurance Coverage

American Family Insurance’s car insurance discount options are quite extensive. Discounts can apply based on driver safety, young drivers getting good grades and more.

  • Type of Discount
    Description
  • Safe Driver
    For drivers without accidents, violations or claims.
  • Defensive Driver
    Get a 5% to 10% discount if you are at least 55 years old and complete an approved defensive driving course. (Limited availability.)
  • Driver Training
    Get a discount when you sign up for KnowYourDrive, a program that helps you learn better driving habits and perform well during evaluation periods. (Limited availability.) Teen drivers also can get a discount by completing a safe-driving program.
  • Good Student
    Save on your premium by showing a good academic track record.
  • Multi Vehicle
    Add more than one car to your auto policy to save.
  • Family
    Get a discount if you have a family member who is an existing American Family customer.
  • Loyalty
    Applies to those who have had a policy with the company for an extended period of time.
  • Multi Policy
    Get more than one type of insurance product (like auto and home) to save
  • Safety Equipment
    For vehicles equipped with factory-installed airbags.
  • Away At School
    Reduces your costs if you or your child is younger than 25 and more than 100 miles away at college, without their car.
  • Auto Pay
    Enroll in automatic funds transfer (AFT) to qualify for a discount.
  • Paperless
    Enroll in online billing and e-delivery of policy documents to save.
  • Pay In Full
    Pay all at once, rather than monthly, to save.
  • Other
    The Young Volunteer Discount is for drivers under 25 who complete 40 hours of volunteer work per year for a non-profit. The "Steer into Savings" discount applies to those who come to American Family Insurance from a competitor. Customers can also save money if they have an active policy with another carrier and receive a quote from American Family Insurance at least seven days before it goes into effect.

Other American Family Insurance Products

American Family Insurance offers an array of insurance options and coverages beyond car insurance. The wide-ranging nature of the options can make it easier to bundle policies together, which can help you save money — though it’s still worth shopping around to see if you can get a lower total cost by diversifying your insurers.

  • Type of Product
    Description
  • Homeowners Insurance
    Protection against property damage and theft for homeowners. Also available: Dwelling, personal property, liability and medical coverages for those who own a manufactured home.
  • Renters Insurance
    Covers your possessions. It also includes liability coverage for medical bills and lawsuits.
  • Umbrella Insurance
    An extra layer of protection for some of your existing insurance policies, like car or home insurance.
  • Condo Insurance
    Protection for your valuables as well as against lawsuits if someone were to injure themselves in your unit.
  • Landlord Insurance
    Protection for landlords in the event of property damage. It can also include liability protection and medical expense coverage.
  • Life Insurance
    Coverage that provides help in the event of the policyholder’s death.
  • Business Insurance
    Coverage that can help business owners by providing protection for their building, damages to rented spaces and employees.
  • Agricultural Insurance
    Farm and ranch policies cover farm dwellings and outbuildings, farming personal property and liability.
  • Classic Car Insurance
    Specialized insurance for vehicles that increase in value over time.
  • Health Insurance
    Counseling about your health insurance options, like Medicare supplement insurance or short-term health insurance.
  • Identity Theft Insurance
    Protection against losses incurred due to identity theft. Credit monitoring alerts are also available to help protect you against identity theft.
  • Travel Insurance
    Protection against medical costs incurred during your trip and trip cancellations.
  • Motorcycle Insurance
    Collision and comprehensive coverage for your motorcycle, plus customization coverage.

How to Make a Car Insurance Claim With American Family

You can file a claim with American Family Insurance via the MyAmFam app or through a desktop PC, which the company notes are the fastest ways to do it. The app gives you the opportunity to upload photos of vehicle damages, find local repair shops and rent a car. Alternatively, you could opt to call their toll-free claims number.

Contact American Family Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


expert-profile

Devon Delfino is an independent journalist based in the Pacific Northwest. She earned her Bachelor of Science degree in journalism from Boston University. Her personal-finance reporting has been featured in publications such as the L.A. Times, Teen Vogue, Mashable, MarketWatch, CNBC and USA Today, among others.


sources