finder.com's rating: 4 / 5
- Get a quote if you want affordable rates with a high risk driver on your policy.
- Pick something else if you want an easy online process.
- Coverage for anything from classic cars and boats
American Family auto insurance works best if you live in one of the 19 states it serves and are looking to insure a young driver or work with a local agent. Since this company offers programs for teens and students, you could save on insuring a teen driver.
Despite having limited coverage options, American Family is one of the top 10 insurance companies in the country. Plus with more than 3,500 agents across the US, customer service is both personal and available.
Customers say that getting a cheap quote or finding a local agent are the top reasons that they choose American Family. And J.D. Power ratings show high customer satisfaction if you live in the Southwest.
However, the online process isn't the best we've ever seen, which is in line with most of the other national companies. You won’t find many other negatives with this company, so it’s worth checking out. If you live in American Family’s service area, you can get a free quote online, in person or over the phone.
finder.com's rating: 4 / 5
|States served||Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, Wisconsin|
|New car protection||Yes|
|Pay schedule||12 months, monthly, custom|
|Claims methods||online, phone|
|Anti-theft device discount||Yes|
|Defensive driving discount||Yes, up to 10%|
|Good student discount||Yes|
|Safety device discount||Yes|
|Special employment discount||No|
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Apply for auto insurance with American Family online, by phone at 800-692-6326 or in person with a local agent. To find an agent, use American Family’s agent locator tool on its website.
To get an online quote:
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Young drivers get many opportunities to save with American Family’s generational, teen safe driver, student and young volunteer discounts. Plus, score steep discounts for your car’s safety features like having an antitheft device.
American Family boosts your protection with helpful add-ons as well as guaranteeing proper repairs to your car after an accident.
American Family is not currently accredited on the Better Business Bureau (BBB) website, as of April 2022. However, it does hold an A rating from the BBB for handling complaints on the site.
Customers score the insurance company with a little over 1 out of 5 stars based on about 40 BBB reviews. The company also has over 180 BBB complaints filed from the last three years, with customers calling out problems with billing for canceled policies, unexpected rate hikes and delayed or denied claims.
Despite the complaints, American Family has received a 0.59 score on the National Association of Insurance Commissioners (NAIC) complaint index for private passenger vehicles. The industry standard is 1.00, showing that the insurer sees fewer complaints than average for its size.
American Family also earned the second-highest ranking in the 2020 J.D. Power Auto Insurance Satisfaction study for the Southwest, scoring 834 out of 1,000 points and tying the spot with Geico. Customers on forums report that they stayed with American Family because of cheap rates or a helpful local agent, though not everyone saw the cheapest rates.
Our car insurance experts rate American Family with 4 out of 5 stars because of its well-rounded coverage — including rideshare coverage that you can’t find everywhere — and solid customer and financial ratings. Its A BBB rating shows that the company takes care of complaints quickly, and AM Best also rates the insurer with an A for its financial strength.
In all honesty, I signed with American Family Insurance because my parents use it, and they sort of passed it on to me when I set out on my own.
It may not be as cheap as an online powerhouse like Progressive or Geico, but I know my agent by name. And when I email him about my car insurance policy, we talk about life too. He knows a bit about my personal story, so I’m more than just answers to a 10-question application.
It’s comforting to know that he’s in an office not far from my neighborhood. And if I get in an accident, we can talk things through face to face. That’s something I’d pay more for any day.
American Family provides a wide range of coverages to suit most needs, and its lifetime guarantee on car repairs can give you extra peace of mind after an accident.
American Family provides auto insurance in 19 states, though it scores the highest customer satisfaction in Southwestern states like Arizona, Colorado and Utah.
You can contact American Family by email, live chat, phone or mail.
American Family Insurance was established in 1927, originally insuring farm trucks and equipment. It’s since expanded into several product lines and has more than $1 billion in assets. Though it offers coverage in fewer than half the states in the US, American Family is the ninth-largest insurance provider in the US.
American Family has also made steps toward sustainability, including an on-site fish hatchery and garden plots for employee use.
What’s the difference between online rates and rates from an agent?
Your rate will be the same if you and your agent decide the same coverage levels, deductibles, discounts and options you chose online, are the best options for you.
How are my rates affected if I use the KnowYourDrive program?
The KnowYourDrive device is designed to benefit you by helping you form smarter driving habits — and can ultimately save you money! Your discount can fluctuate over time depending on your driving behavior, but your premium will never go up based on how you drive with the program.
How do I file a claim?
If you’d like to file a claim by phone, you can call 800-692-6326 to get the claims process started. Or, file a claim online.
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Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.
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