American Family car insurance review October 2018 | finder.com

American Family car insurance review October 2018

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Affordable coverage with a number of special programs

American Family provides auto insurance in 19 states across the country. From boats to classic cars and everything in between, this provider offers comprehensive coverage on and off the road. Explore this providers history, special programs, and discounts, then learn how to apply for coverage and file a claim in our American Family auto insurance review.

Description American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.
States served Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, Wisconsin
Roadside assistance Included free
Pay schedule 12 months, monthly, custom
Claims methods online
New car protection Yes, cars under 1 year old & 15,000 miles

Pros

  • Highly rated support
  • Multiple discounts
  • Easy claim filing
  • Innovative products

Cons

  • Limited coverage area
  • Website hard to navigate
Defensive driving discount Yes, up to 10%
Good student discount Yes
Loyalty discount Yes
Homeowner discount No
Military discount No
Safety device discount
Special employment discount No
Usage-based discount
Other discounts Paperless discount by paying online, Customer full pay discount when paying in full at the time of purchase

What is American Family?

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 10th-largest insurance provider in the US.

American Family is one of the few companies to make a step toward sustainability, including an on-site fish hatchery and garden plots for employee use. The company is committed to serving its customers through a variety of innovative programs including the Teen Safe Driver program, KnowYourDrive program, and more. Through these initiatives, American Family is able to offer affordable insurance on a wide range of products.

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Where is American Family auto insurance available?

American Family provides auto insurance in these 19 states.

  • Arizona
  • Colorado
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nebraska
  • Nevada
  • North Dakota
  • Ohio
  • Oregon
  • South Dakota
  • Utah
  • Washington
  • Wisconsin

Compare car insurance providers like American Family

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Who is American Family auto insurance best for?

American Family auto insurance is best for those living in one of the above 19 states who are looking for affordable car insurance. Since this provider offers so many programs for teens and students, it may be a worthwhile option to consider for parents looking for auto insurance for their children.

What car insurance coverage does American Family offer?

American Family offers comprehensive coverage in 19 states across the US.

  • Bodily injury liability. This protects you if you injure someone in an accident, but it doesn’t cover your medical bills or your vehicle.
  • Personal injury protection coverage. Pays for the medical expenses of an injured driver and passengers in your car.
  • Uninsured motorists’ coverage. Covers you for damages and injuries caused by an uninsured or underinsured driver who can’t cover your damages.
  • Comprehensive physical damage coverage. Covers you for damages other than a collision, like vandalism.
  • Collision coverage. Pays for damage to your car when your car hits or is hit by another car.
  • Property damage liability. Protects you if your car damages someone else’s property.
  • Rental reimbursement. Covers the cost of a rental car while your car is being repaired.
  • Gap coverage. Closes the gap between what your car’s worth and what’s owed when the car has been totaled.
  • Rideshare insurance. Extended personal auto coverage before you’re matched with a passenger.
  • Classic car insurance. Specialized policies for insuring classic or collector cars.
  • SR-22 Insurance. If you need an SR-22, this provider can help.

What discounts does American Family offer?

  • Multi-product discount. Receive discounts for bundling insurance policies.
  • Multi-vehicle discount. Discounts for insuring more than one vehicle.
  • Steer into savings discount. Get a discount for switching to American Family.
  • Good driving discount. Drivers with clean driving records may get reduced rates.
  • Loyalty. Receive a discount based on how long you have been a customer.
  • Auto safety equipment. 10-30% discount based on your car’s safety features.
  • Defensive driver. 5-10% discount for completing an approved defensive driving course (ages 55+).
  • Low mileage. Those who drive less than 7,500 miles per year may qualify for additional savings.
  • KnowYourDrive. Up to 40% discounts through the KnowYourDrive program
  • Good student. Better grades get you better rates.
  • Teen safe driver. You may get a discount for enrolling in the Teen Safe Driver Program.
  • Away at school. Receive a discount if the insured driver is a student under 25 attending school over 100 miles from the insured vehicle.
  • Young volunteer. Policyholders under age 25 can receive discounts for completing 40 hours of volunteer work per year.
  • Generational. Receive a discount if your parents are insured by American Family
  • Autopay. Receive a discount for enrolling in and using autopay.
  • Full pay. Receive a discount for paying for your policy in a lump sum.

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Does American Family offer any special programs?

  • Emergency roadside service. Helps if you break down and you need roadside repairs.
  • MyAmFam App. Make payments, store your ID card, and more.
  • Local agents. Each policyholder is matched with a local agent to provide assistance
  • Dreams Restored Program. Get referred to one of American Family’s preferred repair shops.
  • Teen Safe Driver Program. This app reduces distracted driving and scores each ride, making it clear where your teen can improve. After 3,000 miles or one year in the program, you’ll get a 10% discount on your car insurance.
  • KnowYourDrive. Install a telematics device in your car which tracks your driving and sends the information back to American Family. Earn a discount of 5-40% based on how safe your driving is.

Pros and cons of American Family auto insurance

Pros

  • Highly rated support. American Family Insurance earns consistent high praise for its customer service.
  • Multiple discounts. Pay less when you bundle services, add multiple cars, safely drive, are a good student and indicate your car’s safety features.
  • Easy claim filing. You can file a claim online, over the phone or in person with your American Family agent.
  • Innovative products. Keep an eye on your kids with the Teen Safe Driver Program, which allows you to review video of your teen on the road.

Cons

  • Limited coverage area. If you don’t live in one of the states that American Family services, you may need to look elsewhere.
  • Website hard to navigate. American Family’s website is tricky to use and requires you to enter your vehicle’s VIN when applying for a free quote.
  • Poor customer reviews. Many customers are unhappy with the service they have received from this provider.
  • Lengthy application & claims process. Though it’s convenient to be able to apply for coverage or file a claim online, both processes are quite time-consuming.[

American family auto insurance customer reviews

American family is NOT currently accredited on the official BBB website. However, it does hold an ‘A’ rating along with a 3.52/5 composite score based on 48 customer reviews. The company has almost 250 customer complaints on the BBB website, many of which are regarding poor coverage or low settlement offers.

On Trustpilot, American Family has an overall satisfaction rating of 1.5/5 stars, following by a long list of customer complaints. Denied claims, slow payouts, poor communication, and unfair settlements are a few of the many issues.

How to apply for American Family auto insurance

Applying for auto insurance with American Family can be done online, by phone, or in person. Here’s what you need to know:

Online

  1. Visit the American Family website
  2. Enter your postal code and “Car” from the drop-down menu beside it, click “Start quoting”
  3. On the next page, click “Get your quote today”
  4. Fill out all of your personal information including name, address, etc. Click “continue”.
  5. Enter your vehicle information, then click “Continue”.
  6. Enter additional details about your vehicle, then click “Continue”.
  7. Enter driver details for each of the people you’d like on the policy, then click “Continue”.
  8. Enter your social security number and information about your current provider, then “Continue”.
  9. Customize your policy or continue.
  10. Add your driver’s license information, then continue.
  11. Add your car’s VIN and whether you finance, lease or own the vehicle. Click “Continue”
  12. If you are satisfied with the details, fill out your payment information and purchase your policy.

By phone

Call 1-800-692-6326 to speak with an agent and get the process started.

In person

Use the “Find an agent” feature on American Family’s website to find a local agent. Visit them with the following documents to get auto insurance coverage.

What do I need to apply for auto insurance with American Family?

  • Personal information including first and last name, date of birth, gender
  • Address including zip code
  • Social security number
  • Drivers license
  • Vehicle registration (VIN)
  • Financial information
  • Quote reference number (if you filled out an online quote)

How to file an auto insurance claim with American Family

If you’d like to file a claim by phone, you can call 1-800-692-6326 to get the claims process started. You can also file a claim online.

  1. Visit the American Family homepage
  2. Hover over “Claims”, then click “File a claim”.
  3. Enter your personal information (customer name, policy number, address, etc), Click “Next”.
  4. Enter the accident information, then click “Next”.
  5. Read through your claim summary and click “Submit” if everything is correct.
  6. Once submitted, American Family will reach out to you once your claim has been processed.

How do I contact American Family?

You can contact American Family by email, live chat, phone or mail.

What other coverage does American Family offer?

American Family offers coverage for just about anything you value. Here are just a few of the many products offered by American Family.

  • Home insurance
  • Life insurance
  • Business insurance
  • Umbrella insurance
  • Farm and ranch insurance
  • Tenants insurance
  • Health insurance
  • Classic car insurance
  • Motorcycle insurance
  • Travel insurance

American Family auto insurance competitors

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Bottom line

American Family is one of the top 10 insurance companies in the country, despite its limited coverage. With more than 3,500 agents across the US, service is available anytime.

If a reliable company with a commitment to corporate responsibility is appealing to you, get a free quote online, in person or over the phone. To be sure you’re getting the best deal on car insurance, be sure to compare car insurance prices across a handful of providers.

American Family frequently asked questions

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