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American Family car insurance review February 2018

Car insurance is tough to shop for — all the big companies seem to offer the same coverage at similar prices. But could it be worth it for you to go with a smaller company?

American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.

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What is American Family?

American Family Insurance began in 1927 by insuring farm trucks and equipment. It’s since expanded into several product lines and has more than $1 billion in assets. 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.

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 provides insurance in the following 19 states:

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

Pros and cons

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.

American Family auto insurance competitors

Rates last updated February 21st, 2018
Details Features
Esurance
Esurance
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
  • CoverageMyWay® helps you make smarter choices
  • Gain peace of mind with 24/7 claims service
  • Manage your policy on the go with Esurance Mobile
Get Quote More info
Allstate Auto Insurance
Allstate Auto Insurance
With a range of coverage options at affordable prices, Allstate auto insurance can be personalized to your needs as a driver.
  • Reward System for Safe Drivers
  • Bumper-to-Bumper Basics® Tool
  • Comprehensive Tools to Design a Customized Insurance Plan
Get Quote More info
Liberty Mutual Car Insurance
Liberty Mutual Car Insurance
Car insurance through Liberty Mutual will give coverage options for almost any situation.
  • Multi-car discount
  • Bundle discount for combining auto and home policies
  • New vehicle discount
Get Quote More info

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 with your car, but it doesn’t cover damage to you or your car.
  • 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 driver.
  • 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.
  • Emergency roadside service. Helps if you break down and you need roadside repairs.
  • 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.

Does American Family offer any other types of insurance?

American Family offers coverage for just about anything you value, from your home, life and business to umbrella, farm and ranch insurance, along with a bundle of retirement products.


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 quotes online, in person or over the phone. To be sure you’re getting the best deal on car insurance, be sure to compare prices across a handful of providers.

Get your personalized auto quote

Use our magical comparison tool to find providers with the best rates in your area.

Frequently asked questions about American Family

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