American Family Auto Insurance: User Reviews and Quotes (2025)

American Family Insurance is the eighth-largest company in the U.S. car insurance industry, with more than 2% of the total market share.1 The company offers an excellent selection of car insurance discounts and several endorsements for additional protection. In the J.D. Power 2024 U.S. Auto Insurance Study, American Family received an above-average customer satisfaction rating in several regions.

But the company only sells car insurance policies in 19 states, so it’s not an option for everyone. You should always compare quotes from multiple companies before making your policy selection.

Here’s what you need to know about coverage options from American Family auto insurance.

How American Family compares to other insurance companies

How American Family rates compare to competitors

American Family has more expensive car insurance rates compared to some of its biggest competitors.

Below, you can see how average full-coverage insurance rates from American Family and its competitors compare.

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Average cost of American Family auto insurance

American Family has an average insurance premium of $79 per month for liability only and $147 for full coverage. People with clean driving records pay the lowest rates, whereas drivers with violations, like speeding tickets, car accidents, or DUIs, pay higher rates. American Family premiums are also more expensive for young drivers.

Below, you can see the average monthly cost of American Family liability car insurance for different driver types and profiles and how the company’s average rate compares to the national average.

American Family car insurance cost by state

Every state except New Hampshire legally requires drivers to carry car insurance. The cost of car insurance varies depending on the state you live in, partially due to the state’s unique minimum-coverage requirements.

The table below shows American Family’s average liability insurance rates in most of the states where it operates and how they compare to the statewide average cost.

American Family car insurance discounts

When choosing a car insurance company, it’s important to consider what discounts are available. Choosing an insurer that offers multiple car insurance discounts that you qualify for can help you get the most affordable rate.

Here are some of the discounts American Family offers to policyholders:3

• Multi-vehicle

• Customer loyalty

• Good student

• Auto safety equipment

• Low mileage

• Young volunteer

• Generational

• Pay in full

How customers feel about American Family

American Family has good online insurance reviews, with most customers citing a positive experience. The company has fewer complaints filed with the National Association of Insurance Commissioners (NAIC) than expected for its size and has high ratings from J.D. Power for overall claims satisfaction and customer satisfaction (in most U.S. regions).

American Family also has great reviews on Trustpilot. The company has a rating of 4.7 out of 5 based on more than 600 customer reviews. American Family’s A (Excellent) rating from AM Best demonstrates financial strength, though it’s lower than some of its competitors.

American Family customer reviews

Before you purchase American Family car insurance, it’s a good idea to read customer reviews. American Family reviews can help you get a better sense of the company’s strengths and weaknesses, which can be helpful when choosing an insurer.

Here are some American Family reviews from real, verified users.

American Family ratings

When comparing car insurance companies, it’s important to review ratings from third parties.

AM Best grades insurance companies based on their balance sheet strength and ability to meet financial and policyholder obligations. J.D. Power publishes numerous studies that score insurance companies based on factors like claims satisfaction and customer satisfaction using customer feedback. The NAIC scores insurers based on the number of complaints it receives in relation to its size.

Below, you can see American Family ratings from a few third-party organizations.

American Family car insurance coverage options

American Family offers state-minimum coverage policies that include liability-only insurance. It also sells full-coverage policies with collision and comprehensive insurance. Compared to competitors, American Family offers roughly the same number of coverage options.

Here are some of the optional coverages and endorsements that you can add to your policy:

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Other options for American Family customers

American Family sells other types of insurance in addition to car insurance that you can potentially bundle. If you bundle auto and home insurance, you can earn a discount on your auto and home insurance rates.

Here are some of the other insurance products you can get from American Family:

• Homeowners insurance: American Family home insurance covers the physical structure of your home and your personal property. It also covers third-party liability claims, medical payments, and loss of use.

• Pet insurance: Pet insurance provides coverage for your pet’s veterinary bills. It usually covers visits related to accidents and illnesses.

• RV insurance: RV insurance provides physical damage and liability coverage for RVs, including camper vans and travel trailers.

• Umbrella insurance: Umbrella insurance provides additional personal liability insurance beyond what your standard car insurance policy includes.

• Renters insurance: A renters insurance policy can provide coverage to your rental property. These policies include personal property coverage, personal liability coverage, medical payments coverage, and loss of use coverage.

How American Family’s DriveMyWay program works

American Family’s DriveMyWay program rewards safe drivers with a discount on their car insurance premiums. During trips, the MyAmFamDrive smartphone app tracks driving habits like speed, brake force, and distractions. You can also use your MyAmFam app to access proof of insurance and view your auto insurance ID card.

American Family customers who enroll in the program can earn an introductory discount of 10%. Most drivers save an additional 5%–20% when they demonstrate safe driving behaviors. But driving unsafely can lead to a rate increase.

American Family insurance FAQs