American Family Car Insurance Reviews

AmFam adjusters are quick to find fault, poor communication skills and contract out to third parties without the insurer knowledge. They fail to represent their own insurer. They don’t stand by their insurer even after ten years. They appear to do back door activities, which seem nefarious to a rational person. I would not refer a friend to them. Lack of respect for their insurers. There is better elsewhere. I would score them based on their ineffectiveness a “F”.

Awful company! My car was hit by a person with American Family insurance. They quickly deemed the car a total loss and offered pennies on the dollar for value. The CCC One reports they provided listed cars that had been in previous accidents (some more than 1) and my vehicle had no accident history. They did not disclose any of this information upfront nor anywhere on the reports btw - I only discovered this after purchasing carfax reports for their so-called comps on the report. When I brought this to their attention they said that accident history has no effect on vehicle value - say what?

Everything seems great until it's time for a claim. This company will leave you waiting a d will not give you a fair settlement for your vehicle. Do not take a chance with this company. They are not looking out fir clients only themselves. Run, run run. Don't make a mistake and trust them. It all sounds good until you need them. They will screw you over quickly.

My experience with American Family Insurance has been extremely disappointing. What should have been a straightforward total loss claim has now dragged on for more than 75 days with no fair resolution in sight. Throughout this process, I have spent countless hours researching comparable vehicles, reviewing valuation reports, providing dealer opinions, submitting JD Power valuations, and locating current market listings that support the true value of my truck. Despite providing substantial evidence, American Family continues to rely on valuation methods that make little sense. Their own valuation report shows a significant difference in value between trucks with mileage near 100,000 miles and trucks with 120,000+ miles, yet they continue to rely heavily on high-mileage vehicles to value my truck, which had only 97,329 miles.

After my parked car was hit by their insured, American Family Insurance took over a week to contact me, weeks more to declare my vehicle a total loss, and initially offered a settlement ($10,982) that couldn't purchase a single comparable vehicle at any licensed dealership within 150 miles of my home. After nearly two months of documented back and forth, including a California Department of Insurance complaint, the offer was raised to $13,177. With used cars ranging at minimum 15K that amount still left me out of pocket for a loss I did not cause. American Family Insurance knows that their total loss process is designed to minimize payouts. I was not at fault and I still paid the price.

Horrible website... Tried to get a ball park figure on auto insur.. Only way to get it is to call.. On earlier call to review policy I was told that American Family did not offer "know your drive", yet questions on the site, state they do offer the discount.

I chose this company because of the Costco partnership. Somebody at Costco needs to lose their job because American Family is the worst insurance company I have ever had the displeasure of working with. I changed my banking relationship and therefore went onto the website to enter the new card to charge. There was no way to make that change, so I tried calling in and sat on hold for a long-time. I finally hung up to try another day. Today I called in and only received a phone tree, which told me that they could not take a payment for my policy. Oh, AmFam wants out of Florida, so they cancelled me and refuse payment to continue coverage. After 3 years and $36,000 taken, they cancel me, without a single claim.

Had a great experience, have not dealt with claims but the representative Q was super nice, helpful, and quick. She's great. I had an issue where I didn't fill out a document, rates went up and she was able to help me immediately. Thanks Q!

I was calling just to get a quote (recommended through Costco), and when I called for a quote I was perusing reviews and said, "hey, I noticed you have a lot of one star reviews" and he hung up on me! Guess I won't be using this company. Sheesh!

I chose this company because of the Costco partnership, but the experience has been a nightmare. Their system failed to apply my "Paid in Full" discount, and despite multiple calls, the issue remains unresolved. Every time I call, I have to re-explain the entire situation. Agents acknowledge it’s a "known issue" and open IT tickets that supposedly take 5 days to fix, but nothing ever happens. Requests for a supervisor are ignored—no one ever comes to the phone or calls back. Extremely poor customer service and a broken system. Look elsewhere for insurance.

Slow claims processing, giving me the run around. My vehicle was stolen and recovered, with less than $2,000 damage. The mechanic completed repairs 5 days ago, but still hasn't been paid after numerous phone calls. The mechanic won't release the vehicle until paid. Meanwhile, car rental charges are accruing.

Horrible company that jacks up the rates on car insurance even when you sell one of the cars on the policy!!! Then they claim the price is not based on the cars. Huh??? Then why does the policy list each car separately with an amount that you owe for insurance??? Unbelievable practices, would never recommend or use them again.

Horrible Service. Would hang up on you when you ask for a supervisor. This company does not care about you. They will cancel your policy for no reason. If you get Olivia, you will get hung up on. The fact that this company is still an existence is ridiculous. Go to farmers. They’re better.

Had "too many claims in 3 years"; most were unavoidable. So disappointed. Really, 56 years of being a customer? Pretty sure you made A LOT of money off us in those years! You're done; enough the big insurance companies.

This is the worst insurance company I’ve ever dealt with. After a major water loss, they left my family of five, including a nursing infant, without safe housing. We were offered unlivable homes under construction, with mold and allergen risks, and forced to pay thousands out of pocket while they delayed or ignored reimbursements. Their handling of my claim has been full of broken promises, stress, and hardship. I would not trust this company with anyone’s home or family.

Stay far away from American Family Insurance. 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. Now they’re demanding that I physically climb onto the roof to take pictures myself—even after I told them I am mobility-limited and cannot do that safely.

After having been with American Family for 50 years, I made the mistake of making a claim, and was dropped. The claim was less than what I’ve paid over these years. They need to drop the “Family” from the name of their company and should change their motto to “bill them and then screw them.” If you have them, I’d urge you to switch companies, because they’ll dump you if you make a claim. If there was something lower than one star, that’s what I would give them.

I had been with AmFam for over 10 years. My 17 year old son got his drivers license recently and AmFam found out about it and said they need to adjust my auto rate because another licensed driver lived in my house and had access to the keys even though he hardly ever drove since I have only one car. They put his name on the policy and proceeded to jack up my auto rate from $1,200 per year to $4,800 per year and that was with the good student discount. When I complained the only response I got from them was "I don't make the rates". Needless to say I am no longer with AmFam. I got other quotes and for the same coverage I got my auto rates back down to $1,500 per year. I also saved $1,800 per year on my homeowners insurance.

I recently submitted a claim for my RV. The siding opened up and American Family Insurance Company denied my claim stating it was a result of inadequate maintenance. They claim that the owner's manual requires me to inspect and chalk the seams every 6 months. The owner manual suggests that I evaluate the seams while cleaning to avoid water damage. It does not say that I must inspect and repair the siding every 6 months or the siding will come off. I inspect my RV every time I use it to make sure it safe to travel down the road. I think AF is just unreasonable and avoiding paying claims. This is a 2020 RV that has been insured with AF since 2021. It's not old or falling apart, it's relatively new.

On 04/13/2023, I hit a mirror of a parking Mazda car in Pleasanton Ca. I put my phone number under the windshield wiper and the owner called me. I submitted a claim and his car got repaired. Few months later my insurance company (Geico) cancelled my insurance. Later on the other party insurance company (called American Family Insurance) asked me to pay $2,858.27 (this is the amount Geico refused to pay as they are not justifiable). American Family Insurance asked Geico to pay $7,585.99, Geico paid only $4727.72 and declined to pay the remaining amount which is $2,858.27./

Hail damage to my car still not resolved because repair shops do not want to waste their time. Just by looking at my car they tell me it looks like it’s going to be a total loss. The insurance company is not doing anything and wants me to take pictures and send them the pictures which I will do. I think they are doing this because they don’t want to pay to have my car fixed. I had the same issues with the homeowners claim. The adjuster kept telling me they had already paid out everything and they still owed me money.

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.

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 Tesla's. Insurance commissioner? BBB?

Had been a customer for over 5 years. When they raised my premiums, I did not renew with them and switched carriers. Next thing I know I am being harassed by a collection agent. Turns out AMFAB hired one to collect $47.00 from me! Spiteful company. Was never contacted by my previous agent or by their corporate office that I owed money! Not how I expected to be treated as a long-term customer.

They changes my rates after talking to me. They lied to me and they keep waste of your time till you give up. I have spend 5 hours on phone with them and they keep transferring you. They will promise you that someone will give you a call back and it would be a lie. I am so tired with the issues they have caused me. I think we should report them to consumer protection.

I was with American Family for 20 years! I paid high rates so I was expecting good service! June 30th 2024 I locked my keys in my car. Call them and they said takes 60- 90 minutes to sent someone to open my car! Called 2nd time to see how long I have to wait? I’m in Az in 116 grades! 2nd agent told me that there is no claim, it looks I never called them. So a friend of mine drove me home to take the spare key, and when I’ve got back to my car I was very SURPRISED, that my car was opened and they left the keys at customer service in Albertsons grocery store! I was totally disappointed and I called them so many times and still today I don’t know who opened my car!!! More than this my Agent Gregory ** suggested me to move to another company and not bug him with this case any more! So this is what I’ve got after 20 years… Totally disappointed!

We've been with American Family in Minnesota (Jeff Mayhew Agency) and were extremely happy with our agent and AF. Upon moving to Washington State in 2005 we were sad to find that AF wasn't doing business in WA. I spoke to Jeff Mayhew, he notified us when AF started doing business in WA. We moved all of our business and personal policies to Julia Meek Agency. WOW! Julia and her team (Ray & Joe) continually go above and beyond the call of duty. I have recommended AF and Julia Meek Agency to many friends, they are equally happy. In a day and age where most companies lack good customer service skills, Julia and her team have capitalized on it. I rated AF and the Julia Meek Agency 5 stars. It's too bad their scale doesn't go up to 10. A 10 would be well-deserved.

I've have American Family for 22 years and I had them in Minnesota too. I'm very disappointed in them for the auto accident claims and for the home repair claims I have had this year and last summer. The home repair claims sucked because they gave me a company that wasn't properly licensed by the state to do the roof repairs. The auto accident claims part sucked because I has to pay every day for my car rental because the car cost was over my daily “allowance” for rentals. This was the only car the rental company had so what was I supposed to do? And I had been charged for a service visit at home because the rental car’s battery died.

I was talking to a woman on the 800 number and she had all my info pulled up but would not give me a quote on auto insurance until I paid a back amount of a 194.00 and then she wouldn't quote Me. This the same insurance company who had other clients who hit me when I was past the fog line in my own driveway. She convinced the sheriff's department and Oregon state patrol it was all my fault. Plus she and her husband were friends with both officers. Her insurance company didn't pay anything to have my truck fixed. They put it down it was my fault and Progressive was too chicken to fight for me.

Horrible emergency roadside assistance!! Twice in the last 2 months we needed emergency help. Once for flat tire and second dead battery. With both times I had my young kids with me. They were not able to find a provider to send someone to help. We got help from a good Samaritan in the middle of the night for the flat tire and we called another company in the middle of the day for the battery.

This is hard to write because we have had AmFam for well over 10 years. We went with them due to their low cost and over the years they provided good service. In that time I had 3 claims. 1) I backed into a lady at a dark intersection who pulled up so close I could not see her lights over my tailgate. Minimal damage but that wiped out my accident forgiveness. But no raise in rates. 2) Chipped windshield. No fault. 3) Someone backed into my truck and dented my bumper. No fault. Again my rates did not go up. Over this time I had at least one if not two motorcycles plus renters insurance so we enjoyed multiple discounts. But this last month I got a shock when I got my renewal notice and our annual premium went from $1900 to over $3000.

I have never been asked to go to a different insurance company because they don't meet my needs! (Per Camy owner of the AFIC in Minnesota) All because when I first signed on with AF the insurance was reasonable. However it has almost doubled in price and I have not had a ticket or accident. I'm appalled by this behavior of an agent. Instead of hearing me out they get offended by my concerns. I was told they don't usually raise the insurance. I understand that the economy is high and all the money goes into a pot and we all use it. Still not fair to raise the good driver's insurance and get offended by a customer's feelings. This insurance company is at a 1 rating when it comes to customers. I can honestly see why. Not sure how they can be in business. This is your job so treat customers with respect.

First, they increased my premium by $200 even though I had no claims or anything like that. I have an excellent driving history and credit. Then, when I finally switched to a different auto insurance company and decided to discontinue them, they decided to charge me an extra few dollars because the amount I overpaid on my latest bill was not enough! I strongly don't recommend this auto insurance company unless you like to overpay for car insurance!

The worst insurance company, in the United States I have had a claim since June 2023. They hit me in June 2023. We bought the car in April 2023 and now after almost 1 year they want to put Chinese parts, not the original ones on the car.

If I could give zero starts, I would. The entire experience has been a nightmare starting with a stolen car in a different country, and I feel utterly let down by the insurance company's poor handling of the situation. The adjustor's attitude has consistently been dismissive and unhelpful. Instead of providing support and guidance, I felt interrogated and doubted. None of the process felt like an attempt to resolve my claim. The settlement offer was insulting and a complete lowball. The amount proposed was significantly lower than the market value of my vehicle, based on just 2 comps. When we said we needed more comps, they gave me two different comps, dismissing the original two. It was clear that the company's priority was minimizing their payout rather than treating their customer fairly.

I've bundled my Homeowner's, Auto and Motorcycle Insurance with American Family for almost 25yrs, never had a Claim....NEVER HAD A CLAIM and can't remember the last time I even had a Traffic Ticket and I just received a notice that my Auto Insurance went up $800 a year? It's now doubled what it was two years ago for a customer who hasn't had an Insurance Claim since he was a teenager. What gives AmFam?

This is the WORST insurance I have dealt with. Their insured rear-ended me and my passenger at a red light at about 30mph. I called and reported the claim and it took 2-3 days before anyone called me to discuss the incident. The girl who called was very unprofessional and didn't really seem to know what she was doing. I received another call from a lady named Shavonne ** on 5/3/24 who told me if I go to the doctor, send her the bills, otherwise that was it. Ummm no ma'am, that is not how BI claims work in AZ.

AFI is not only pricey, but anti-insurers. My vehicle was hit on driver side door left dented by a Geico insurer. The driver accepted its fault in front of officer and the police report was on my favor. Geico fixed it. But AMI sent me three letters asking for $500 deduction. I also received calls! Went to the local AFI local agent and presented all police reports and Geico papers with dash cam video. He checked police report and Geico papers and said, "You will not receive deductible letter anymore." Instead of helping, asking for money. Colluded? AFI Insurer please be careful.

I was rear ended and American Family was the insurer of the person at fault. I cannot even begin to describe how stressful dealing with American Family has been. So far, American Family paid $0 but I have been out of work for two weeks, due to my injury (which my insurance coverage may have to pay for, if American Family will not), my out of pocket expenses, to date, also include $483 in car rental fees, $140 in medical copays, $73 in prescription medication for injury, $259 for daily storage of my car at the tow yard (my car was totaled). More than a week after the accident American Family informed me that they will not cover any expenses related to my vehicle and that I was responsible for daily fees acquired while my car sat in the tow yard. Fortunately. I have AAA and was able to get it towed to another location. I'm having the same poor customer service that is mentioned in other reviews.

We had an accident with a member of American family insurance. The insurance company reached out to us and settled quickly on our damage vehicle but dragged out payment for the medical expenses. After supplying them with all the information they requested, we were offered a settlement, but they dragged their feet on processing the payment by asking for additional information that they had already received. Well we just received a letter from them stating that the 2 year period has expired and were no longer they obligated to pay but the offer was submitted to us for the pay out was a year before the end of the 2 year period.