American Family Auto Insurance

American Family Auto Insurance Reviews

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About American Family Auto Insurance

American Family Insurance is a mid-level insurance company designed for drivers looking for affordable, comprehensive auto coverage and those who want to bundle home and auto policies. You can access American Family Insurance’s discounts by bundling multiple types of coverage. The company offers diminishing deductible plans and a tool that helps find repair shops.

Pros & Cons

Pros
  • Competitive prices
  • Diminishing deductible insurance
  • Bundle discounts
Cons
  • Available in only 19 states
  • Services can be confusing

Featured Reviews

Verified
Rossford, OH

I had an awesome experience with American Family. My wife and I were rear-ended by an uninsured driver near Chicago… American Family's claims department was actually able to chase...

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Verified
Sac, Iowa

I have been with this insurance company for a number of years. Insurance agents are always very helpful in answering questions and filing claims. Quick response and payments whene...

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What is American Family auto insurance?

American Family Insurance offers vehicle insurance for cars, motorcycles, boats, RVs and ATVs, as well as home, renters, farm, condo and landlord insurance for property and business. Its Dreams Restored Program removes the hard work of finding a repair shop to ensure you get quick, reliable service. Mexico car insurance and diminishing deductible insurance, which lowers the rate of your deductible, is also available.

American Family’s Teen Safe Driver app monitors risky driving, helping your teen become a safer driver while keeping an eye on their driving progress. Its KnowYourDrive app offers usage-based car insurance that provides drivers up to 20% in discounts depending on their safety level. Good driving and defensive driver discount programs reward responsible driving, but it's limited to residents of certain states.

How does American Family’s auto insurance work?

First, choose the American Family coverage that suits you best, then you can lower your premiums by selecting savings options, such as multipolicy or multicar discounts. American Family’s car insurance options include:

  • Collision
  • Comprehensive
  • Property damage liability
  • Bodily injury liability
  • Medical expense
  • Personal injury
  • Gap coverage
  • Underinsured
  • Rental reimbursement
  • Emergency road service
  • Accidental death coverage

The company also offers bundling discounts, so you can combine your American Family car and home policies to save 29% on auto coverage and 20% on homeowners insurance. You can increase these savings by adding life insurance.

American Family auto insurance rates and costs

American Family’s average car coverage rates range from $1,328 to $1,412 per year; a 25-year-old man would pay, on average, $1,695 annually, and a 35-year-old woman would pay $1,322. A 60-year-old man would pay around $1,228. The company offers discounts for safe drivers, young drivers and family. It also has a diminishing deductible insurance option, which lowers your deductible so you can better prepare for unforeseen expenses if you make a claim.

Its KnowYourDrive app, a usage-based car insurance program, offers up to 20% in discounts, depending on driver safety. It also offers the potential of a 10% auto premium relief credit, as well as a variety of discounts.

American Family auto insurance FAQ

Does American Family Insurance cover car rentals?
Yes. If your car is in the shop or not drivable due to a covered loss, you can take advantage of rental reimbursement coverage, which helps pay for a rental while your car is repaired. Reimbursements include ride-share, taxi, city bus, light rail and commuter train travel.
Does American Family Insurance have accident forgiveness?
Yes, it does offer accident forgiveness. If you’ve been accident-free for five years or longer, you qualify for accident forgiveness and can avoid a rate increase after a first-at-fault accident. Policyholders who demonstrate good driving behavior may qualify for a lower deductible.
Where is American Family Insurance available?
American Family is available in 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin.
Will American Family Insurance tow my car?
Yes — if you enroll in its emergency roadside assistance coverage, American Family covers towing.

Is American Family Insurance good?

American Family Insurance offers various coverage options, and its bundling discounts help policyholders save money. It also provides accident forgiveness and optional emergency roadside assistance coverage. It’s available only in select states, but we recommend its policies for drivers in its coverage area who want insurance with multiple perks.

American Family Auto Insurance Reviews

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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10

    Reviewed Nov. 21, 2024

    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.

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    Reviewed Oct. 9, 2024

    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?

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      Staff

      Reviewed Sept. 25, 2024

      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.

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      Customer Service

      Reviewed Sept. 5, 2024

      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.

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      Customer ServiceClaims HandlingStaff

      Reviewed Sept. 4, 2024

      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!

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      Customer ServiceStaff

      Reviewed Aug. 19, 2024

      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.

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      Claims HandlingPrice

      Reviewed Aug. 16, 2024

      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.

      Also, with the dead battery, I missed one of my physical therapy appointments as I was on medical leave from work with torn knee ligaments. Again, rental car batteries and other maintenance isn’t my responsibility to check on. Plus, the auto accident was not my fault to begin with. It’s sad how a long-term customer was treated so shoddy by both the auto and home claims.

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      PriceStaff

      Reviewed Aug. 1, 2024

      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.

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      Reviewed July 17, 2024

      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.

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      CoveragePrice

      Reviewed July 6, 2024

      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.

      And here is the part that is prompting me to write this. Today I looked at the current policy and I found something weird. In the general policy overview, it clearly states that one vehicle's annual premium is $968 and the other $572. That's $1540. Yet the monthly payments add up to over $1900, plus it's stated as such in another place on the policy. I have a message into the agent for an explanation.

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      American Family Auto Insurance Company Information

      Company Name:
      American Family Insurance - Auto
      Website:
      www.amfam.com