American Family Car Insurance Reviews

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.

Bait and Switch on low pricing, increased 21% after 1 yr with no claims filed. I even have incredible credit (800+) and safe older vehicles paid off. This makes Costco look poorly as well for partnering with them which is how I got lured in. #DoBetterCostco #DoBetterAmFamConnect

The telephone people are nice enough but watch out if you need more than superficial help! Most of the claims adjusters have a chip on their shoulder and have no empathy nor verbal skills. The verbal abuse we've gotten goes from the covert to the overt style. They are rarely helpful. Costco made a big mistake to represent them as their auto insurance carrier!!!

Driver rear-ended me because they were too busy texting to pay attention to the couple thousand pounds of metal, glass, and hazardous chemicals they were piloting at insane speeds, a week before Christmas. So I got to wait through Christmas and New Year's before I heard from their insurer, American Family. I had my repair shop take photos of the damage to my truck and email them to AmFam. Over a week later I got a reply from an adjuster that they can't open the pictures. Curiously, this email didn't specify a preferred format for the images. I would think that they might request a specific format that they can open. I find it very interesting that a multi-million dollar insurance company that can afford the latest and greatest computer tech, doesn't have the ability to open some pictures from a repair shop.

There are 5 driving adults in the house I live in. All of us switched to AmFam (thru Costco) about 2 years ago. We all recently received our new bills for upcoming 6-month premiums. Mine, alone, JUMPED from $277 to $457 -- 65%!!! The others are similar. I have been driving for 50 years (age 66, and perfect health), no at-fault accidents, no tickets, no lapses in coverage, no late insurance payments, have not moved, and "excellent" credit (similar circumstances to the other 4 driving adults in this house). In other words, none of our circumstances have changed in the past 6 months. I have NEVER seen anything like our price hikes! I (and the other drivers in my household) am an Insurer's dream client. Is this not "price gouging"?

We have been valued executive members at Costco, and since American Family auto insurance was endorsed by Costco, we shifted our car insurance to them. We have been diligently paying them, and as a result, they have renewed our policy every six months. However, this time, they did not renew our policy and let it expire without giving us proper notice, jeopardizing the safety of our kids commuting to school and our ability to go to work without coverage. If this is a cost-cutting measure, it is not acceptable.

American Family Insurance happy to drive our world back into the dark ages. They will not even speak to you (to give a quote) unless you first give them your date of birth. Guess they really don't care for customers shopping around (how convenient for them), so not going to be a customer of American Family Insurance.