American Family ranks 21st overall nationally, placing it outside the top tier of best car insurance companies. The insurer performs strongest in coverage options and customer experience, earning an 11th place ranking for coverage and 8th place for customer experience. However, this only represents a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend on your profile and coverage needs.
American Family Car Insurance Review
Updated: September 8, 2026
Advertising & Editorial Disclosure
Key Takeaways
American Family takes 18th place for full coverage affordability and 25th for minimum liability coverage with monthly rates of $118 and $65, respectively.
American Family ranks eighth nationally for customer satisfaction, supported by strong agent service and positive forum reviews from policyholders.
American Family ranks 11th for coverage variety, offering options like guaranteed asset protection and accident forgiveness for qualifying drivers.
American Family Car Insurance Ratings
| Overall Score | 4.17 | 21 |
| Customer Experience | 4.58 | 8 |
| Coverage | 2.91 | 11 |
| Affordability | 4.18 | 23 |
Who Is American Family Car Insurance Best and Worst For?
American Family works best for drivers with a DUI, newer cars, accidents or speeding tickets, offering competitive rates and a solid customer experience. But drivers with bad credit should look elsewhere due to significantly higher premiums.
Data filtered by:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 3.97 | 27 |
How Much Does American Family Car Insurance Cost?
American Family car insurance costs range from $62 to $1,109 monthly, depending on your specific situation. We've analyzed costs across age groups, gender, coverage types, credit scores and driving records to help you understand what you'll likely pay.
Data filtered by:
Adult Drivers
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
100/300/100,000 - 1000 comp_coll
| $299 | $3,588 | 8% | 28 |
American Family Car Insurance Rates by Driver Category
American Family isn't among the cheapest car insurance companies for most drivers, with higher costs across all driver categories including young drivers, seniors and those with violations. You'll likely find more expensive rates regardless of your driving profile. Check how American Family's affordability compares for your specific situation below.
| Adult Drivers | $65 | $119 | 9% | 23 |
| Drivers With a DUI | $101 | $183 | -11% | 16 |
| Drivers With an Accident | $84 | $152 | -1% | 18 |
| Drivers With a Speeding Ticket | $78 | $145 | 8% | 23 |
| Drivers With Bad Credit | $180 | $323 | 47% | 33 |
| Drivers With Low Income | $90 | $150 | 11% | 26 |
| Drivers With Newer Cars | $75 | $139 | -6% | 19 |
| Drivers With Old Cars | $55 | $101 | 4% | 21 |
| Senior Drivers | $87 | $148 | 12% | 23 |
| Young Drivers | $133 | $257 | 2% | 21 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
American Family Car Insurance Discounts
American Family offers 12 car insurance discounts, with average savings of up to 40% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | Up to 40% | Bundle auto with home, renters, or life insurance policies | Available in 19 states served |
Multi-Car | Variable | Insure multiple vehicles on same policy | Available in 19 states served |
Good Student | Variable | Ages 16-25, full-time student, B average (3.0 GPA) or top 20% of class | Available in 19 states served |
Good Driving | Variable | No accidents, violations, or claims in past 5 years | Available in 19 states served |
DriveMyWay/KnowYourDrive (Telematics) | 10% + up to 20% | 10% enrollment discount plus up to 20% for safe driving behavior | KnowYourDrive not in UT; DriveMyWay for UT only |
Defensive Driver | Variable | Age 55+ complete approved defensive driving course | Available in qualifying states only |
Student Away at School | Variable | Under 25, attend school 100+ miles from home, car stays home | Available in 19 states served |
Low Mileage | Variable | Drive fewer than 7,500 miles per year | Available in 19 states served |
Auto Pay | Variable | Set up automatic electronic payments | Available in 19 states served |
Full Pay | Variable | Pay entire annual premium upfront | Available in 19 states served |
Paperless | Variable | Receive bills and statements electronically | Available in 19 states served |
Teen Safe Driver | Up to 10% | Teen completes American Family's Teen Safe Driving program | Available in 19 states served |
American Family Car Insurance Customer Reviews and Reputation
MoneyGeek's customer experience study ranked American Family eighth overall for customer satisfaction.
Customer feedback from the company's website and insurance forums praises responsive agent service and user-friendly digital tools, but claim processing times and settlement amounts draw more frequent concerns than other areas.
The sections below break down the buying, policy management and claims process experiences based on MoneyGeek's research.
Buying Process ExperienceQuick pricing and coverage options are available online through American Family, with the ability to customize quotes and save them for later. Completing a purchase online isn't possible; customers must connect with a local agent to finalize any policy.
Customers can call or meet agents locally, but some report higher rates than competitors and limited online purchasing capabilities.
Policy ManagementAuto ID cards, payment scheduling, autopay setup and Touch ID/Face ID login all fall under the MyAmFam app's policy management features.
Customer reviews reveal issues with frequent login failures, app crashes and policies not loading properly. Many users report being locked out of their accounts for extended periods, and basic tasks like payments end up requiring the website or a call to customer service instead.
Claims ExperienceAuto claims can be filed online, through the app, by phone or with a local agent, with payments potentially available in one to two days for vehicle repairs.
American Family scored below the national average in J.D. Power's 2024 Claims Satisfaction study and ranked 62nd out of 97 insurers in CRASH Network's 2025 report. Customer experiences vary widely, ranging from excellent service to reports of poor communication, delayed responses and adversarial treatment during claims investigations.
American Family Car Insurance Industry Customer Satisfaction Ratings
Every industry rating agency ranks American Family well for financial strength, but J.D. Power studies put the company at average or below average in most areas. American Family's scores from industry agencies appear below.
AM Best Financial Strength | A (Excellent) | A++ to D- | American Family can meet financial obligations and pay claims with a high degree of capacity |
AM Best Long-Term Credit Standing | a+ (Excellent) | aaa to d | Financial commitments are met with very high capacity |
S&P Global Financial Strength | A (Excellent) | AAA to D | A stable outlook accompanies high financial security characteristics |
Moody's Financial Strength | A2 (Upper-Medium Grade) | Aaa to C | Financial security rates as good, but a 2024 downgrade from A1 followed recent losses |
J.D. Power Auto Claims Satisfaction | Not Available | 1,000-point scale | Current rankings don't disclose an exact score |
J.D. Power Digital Service Experience | 715/1,000 (Tied 3rd) | 1,000-point scale | Digital experience lands above average, tied for third place |
J.D. Power Auto Insurance Shopping Study | 556/1,000 (3rd Place) | Out of 1,000 | Shopping experience lands above average, ranking third overall |
J.D. Power Overall Customer Satisfaction | Above Average in Multiple Regions | Out of 1,000 | It's above average in several geographic areas, with results varying by region |
NAIC Auto Complaints | Well Below 1.00 | 1.00 is average | Complaint volume far below what's expected for a company this size |
American Family Car Insurance Reddit and Forum Customer Satisfaction
Rates and agent support on routine matters draw praise from Reddit users and forum members. Coverage options are broad, and many drivers value the digital experience and bundling opportunities through the MyAmFam app.
Common complaints include premium increases even without claims, plus inconsistent claims handling. Slow customer service responses come up frequently as well. Some policyholders also report policy cancellations after filing claims, along with billing issues.
Forum comments capture what customers are actually saying about their experiences:
Initial affordability attracts customers, but rate increases over time create frustration, particularly for long-term policyholders with clean records:
"I have been American Family for long time customer. My car insurance premium is up 146%!!! We did not have any traffic tickets and any car accidents in past 20 years. The mileage is about 3500/year. This increase is awful and ridiculous."
"I have had all my insurance (primary home, lake cabin, cars, boats, boat dock, boat house, golf cart) all insured with American Family for the past nine years. I have had NO claims in that nine years. This past April I received the quote for my primary home for 2024-2025. The rate went UP an astounding 49%. 49% with NO claims. I am very upset."
American Family ranked below average in J.D. Power's 2024 Claims Satisfaction Study, though experiences vary widely between simple and complex claims:
"I had an awesome experience with American Family. My wife and I were rear-ended by an uninsured driver near Chicago… American Family's claims department was actually able to chase down the other party and get us compensated."
"We were rear-ended by an insured with American Family. It has been 3 weeks and we received an estimate from them for 12k, our Tesla has structural damage and the estimate is $17,500. This is ridiculous, especially since they sent us to a shop that can't work on Teslas."
Local agents get consistently praised, but corporate customer service is where agent interactions fall apart:
"Answering questions and filing claims, my agent's always been helpful, with quick responses and payments whenever I've needed them."
"American Family's service left me extremely dissatisfied. My bank had closed the account months earlier, but customer service kept insisting the payment was 'returned by my bank' no matter how many times I explained it. Nobody there seemed capable of understanding or fixing the problem, and it was maddening."
American Family earned second place in J.D. Power's 2024 Insurance Digital Experience Study and a 2025 Bankrate Award for Best Digital Home Insurance Company, with positive app reviews:
"The AmFam app gives you easy access to all policy documents, and you can use it to obtain a quote and manage payments. You can also file and manage claims through the app."
American Family's NAIC complaint index of 0.47 indicates fewer complaints than expected for its size, but trust issues emerge around policy drops and billing practices:
"In one year, 2024, we had a stolen Kia car, damaged roof and ice dam damage from the roof. We expected our insurance cost would go up, but instead, we were dropped by AmFam. We were always an on-time paying customer. It really shows AmFam is not in the business of insuring people's belongings but a machine to take your money."
"I was insured with American Family for about 12 years for auto and homeowners. Last year, they abruptly dropped us after we filed two water damage claims, which were totally out of our control. This seemed especially cold and abrupt, and cost us a lot of extra time and money."
Customers appreciate the variety of coverage options and bundling discounts, though some find the underwriting process overly restrictive:
"American Family offers a wide variety of coverage options for add-ons at their disposal, plus solid bundling discounts up to 23% when you combine home and auto."
"Stay far away from American Family. This company treats its customers horribly and will go out of its way to push you off your policy. They demanded proof that my roof was replaced. I gave them an invoice from the licensed contractor who did the work. That should have been more than enough—but no. They demanded photos, so I took photos from the ground. Still not good enough."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
American Family Car Insurance Coverage Options
American Family provides standard auto coverage like other major insurers, including liability, comprehensive and collision protection. Additional add-ons from the company include:
Emergency Roadside Assistance | Towing, battery jumps, tire servicing, gas and oil delivery, locksmith services, roadside repairs | Available 24/7; single call to 1-800-MYAMFAM; service and support when car can't make it to repair shop |
Rental Car Reimbursement | Helps pay for rental car while your car is in shop after covered accident | Keeps you on schedule until your car is repaired and ready |
Auto Lease/Loan Protection (Gap Coverage) | Pays the difference between car's value and remaining lease/loan balance if totaled | Protects from owing more than car is worth after total loss |
New Car Replacement | Replaces brand new totaled vehicles; automatically removed at first renewal after one year | Available only for brand new vehicles; helps replace totaled new cars |
Pet Coverage | Covers medical expenses for dogs or cats injured in accidents or car theft | Protects beloved pets while traveling in your vehicle |
Accident Forgiveness | 100% forgiveness for your first at-fault accident | Prevents rate increases from first accident; protects good driving record |
Other American Family Insurance Coverage Options to Consider
Here are other insurance products you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
American Family (Directly Offered) | Auto insurance, home insurance, renters insurance, condo insurance, life insurance, business insurance, workers compensation, motorcycle insurance, boat insurance, RV insurance, ATV insurance, snowmobile insurance, classic car insurance, umbrella insurance, manufactured home insurance, farm and ranch insurance |
Third-Party Partner | CONNECT insurance (through wholly-owned subsidiary offering auto, home, renters, umbrella, and specialty coverage primarily through partnerships with Costco and other strategic partners in 44 states + DC), travel insurance, trip cancellation insurance, global medical insurance (through various partners) |
American Family Auto Insurance Review: Bottom Line
American Family ranks 21st overall nationally, placing it in the middle tier of car insurance providers. The company excels in customer experience (eighth place) and coverage options (11th place), but faces challenges with affordability (23rd place).
American Family ranks 18th for full coverage and 25th for minimum coverage. We recommend you compare quotes, do your own research and decide on coverage needs before buying.
American Family Car Insurance Reviews: FAQ
American Family is a legitimate car insurance company, ranking 21st overall in MoneyGeek's provider study. Customer experience is where it performs best, with an 8th place ranking among all providers evaluated.
American Family doesn't rank as the number one car insurance provider in any state, based on MoneyGeek's analysis. The company ranks 21st nationally and operates in 19 states across the Midwest and Western United States.
Customer experience (eighth place nationally) and coverage options (11th place) mark American Family's best categories, even as it ranks 23rd for affordability overall.
American Family charges adults an average of $784 annually for state minimum coverage and $1,424 for full coverage. Annual premiums range from $744 to $6,434 for minimum coverage and $1,199 to $11,785 for full coverage.
Customer feedback shows American Family has drawn criticism for claim denials, with some policyholders reporting rejected claims for weather damage and vehicle incidents that appeared covered under their policies. Broader data on its claim denial patterns is limited beyond individual customer experiences.
Drivers with a DUI get great value from American Family, which ranks 16th overall for affordability, a reasonable showing in this category.
Yes, American Family raises rates over time. This is because of inflation affecting repair and medical costs, higher claim volumes from distracted driving and severe weather and the rising cost of advanced vehicle technology. Local risk assessments, regulatory changes and personal factors like credit shifts factor into pricing adjustments too.
No, American Family isn't the best choice for young drivers. It ranks 21st for overall affordability with monthly premiums averaging $257 for full coverage.
How We Rated American Family Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
A baseline driver profile made rate comparisons consistent. That standard driver has these characteristics:
- Age: 40 years old, man
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
MoneyGeek then modified specific variables, including age, driving record, credit score and military status, to determine which insurers have the best rates for different driver categories. Minimum coverage rates reflect policies that meet state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
MoneyGeek's evaluation process weighted three key factors:
- Cost (60%): Quotes were compared across multiple driver profiles in each city to measure how each insurer's pricing stacks up against local competitors.
- Customer satisfaction (30%): MoneyGeek pulled feedback from Google reviews, J.D. Power ratings, AM Best scores and Reddit forums to gauge service quality.
- Coverage variety (10%): Each provider's policy options were reviewed for breadth and any standout benefits.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.