American Family Car Insurance Reviews

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?