American Family Car and Home Insurance Review
$1,920/yr
$3,072/yr
- Car insurance rates are cheaper than average
- Excellent customer service ratings
- Parents can pass discounts to kids
- Extras include gap and inland flood coverage
- Only available in 19 states
- Home insurance rates are higher than average
- Expensive renters insurance rates
Review: Is American Family a good company?
American Family, or AmFam, is a very good company to contact for car insurance quotes. It has good customer service reviews and car insurance rates that are cheaper than average. It also offers many discounts to help lower your rates.
American Family’s home insurance rate is slightly higher than the national average. However, its home insurance can be a lot cheaper when you bundle it with AmFam car insurance.
| Rating | American Family’s score | Industry average |
|---|---|---|
| Auto complaint rating | 0.35 | 1.0 |
| Home complaint rating | 0.49 | 1.0 |
| Auto satisfaction | 838 | 835 |
| Home satisfaction | 813 | 819 |
| Financial strength | A (AM Best) | Third-highest possible rating |
Sources: J.D. Power, NAIC, AM Best. Lower is better for complaint ratings. Higher is better for satisfaction ratings.
American Family customer reviews
American Family’s excellent 4.7 rating in Trustpilot reviews is remarkable. A handful of AmFam’s competitors have Trustpilot scores below 1.6, which is considered bad.
Insurance customers tend to only write insurance reviews after a dispute with their insurance company. This is one of the main reasons why insurance companies often have low ratings on Trustpilot and the Better Business Bureau’s website.
However, numerous customers praised American Family for its low prices and convenience in their Trustpilot reviews. A few reviewers praised the company’s agents for their expertise.
Insurance company ratings on Trustpilot
| Company | Trustpilot rating |
|---|---|
| Allstate | 1.2 |
| American Family | 4.7 |
| Farmers | 1.4 |
| Liberty Mutual | 1.1 |
| Nationwide | 1.6 |
How much is American Family car insurance?
American Family’s full-coverage car insurance Full coverage includes collision and comprehensive, which cover your car for damage and theft. You need both for a car loan or lease. quotes average $1,920 a year, or $160 a month. These rates are 3% less than the national average of $164 a month.
At $61 a month, American Family’s liability car insurance Auto liability covers injuries and damage you cause to others. It’s required by law in most states. rates are 6% less than the national average ($64 a month).
AmFam car insurance rate comparison
| Company | Full coverage | Liability only | |
|---|---|---|---|
 | State Farm | $1,487 | $597 |
 | Travelers | $1,919 | $835 |
| American Family | $1,920 | $728 |
 | Geico | $1,937 | $727 |
 | Progressive | $2,032 | $791 |
 | Nationwide | $2,226 | $963 |
 | Allstate | $2,609 | $1,158 |
You can get American Family car insurance quotes from its exclusive insurance agents in 19 states AZ, CO, GA, IA, ID, IL, IN, KS, MN, MO, ND, NE, NV, OH, OR, SD, UT, WA and WI. . Its sister company Connect is available in more areas, largely through Costco and Ameriprise Financial.
AmFam car insurance cost by driving record
At $3,114 a year, AmFam costs drivers with a DUI 14% less than the national average. Its rates for other drivers with a bad record are closer to national averages.
For example, AmFam’s rate after a speeding ticket is only 3% less than the national average. Its rate for drivers with an at-fault accident is 2% higher than the average.
AmFam annual rates by driving record
| Incident | American Family | U.S. average | AmFam vs. average |
|---|---|---|---|
| Ticket | $2,352 | $2,427 | -3% |
| Accident | $2,980 | $2,930 | +2% |
| DUI | $3,114 | $3,626 | -14% |
American Family car insurance cost for teens
American Family’s rates for teen drivers are cheaper than national averages.
For example, teens pay an average of $2,364 a year for liability insurance with American Family. This is 3% less than the national average. AmFam’s full-coverage rate for teens is 7% less than the national average.
Insurance rates for teen drivers
| Type of coverage | American Family | U.S. average | AmFam vs. average |
|---|---|---|---|
| Liability | $2,364 | $2,433 | -3% |
| Full coverage | $5,413 | $5,824 | -7% |
Teens pay more for insurance than other age groups because they are more likely to crash. American Family offers these discounts to young drivers:
- Good student: Good grades can help a teen save on car insurance.
- Away at school: Students under the age of 25 can save if they go off at college without a car. The school needs to be at least 100 miles away from home.
- Young volunteer: Drivers under 25 get a discount for completing at least 40 hours of volunteer work with a nonprofit.
- Generational savings: The children of an American Family customer can get a discount on an AmFam policy of their own.
American Family car insurance quotes by state
American Family’s car insurance quotes are especially cheap in Minnesota, Oregon and Utah. Its rates are at least 20% less than the state average in each of these states.
On the other hand, AmFam’s rate in Nevada is 50% higher than the Silver State’s average.
AmFam annual rates vs. state averages
| State | Full-coverage rate | State average | AmFam vs. state average |
|---|---|---|---|
| Colorado | $3,252 | $2,542 | +28% |
| Illinois | $1,705 | $2,109 | -19% |
| Indiana | $1,475 | $1,511 | -2% |
| Iowa | $1,430 | $1,663 | -14% |
| Kansas | $1,659 | $1,991 | -17% |
| Minnesota | $1,501 | $1,884 | -20% |
| Missouri | $1,576 | $1,908 | -17% |
| Nebraska | $1,705 | $1,909 | -11% |
| Nevada | $4,497 | $2,958 | +52% |
| North Dakota | $1,681 | $1,858 | -10% |
| Oregon | $1,629 | $2,115 | -23% |
| South Dakota | $1,889 | $2,016 | -6% |
| Utah | $1,767 | $2,261 | -22% |
| Washington | $1,776 | $1,534 | +16% |
| Wisconsin | $1,265 | $1,540 | -18% |
American Family car insurance discounts
American Family offers most normal car insurance discounts and a few unique ways to save.
Like most companies, AmFam gives you a generous discount if you bundle your car insurance with a home or renters policy.
Other ways to save with American Family include:
- DriveMyWay: You can get a 10% discount just for signing up for AmFam’s app-based safe driver program. The app monitors your driving. You can save 5% to 20% when you renew, depending on how safely you drive.
- Defensive driver: Completing an approved defensive driver class can get you a discount if you are 55 or older.
- MilesMyWay: AmFam’s pay-per-mile insurance program can help you save on insurance if you don’t drive very often. It’s best for people who drive less than 8,000 miles a year.
AmFam auto discounts vs. other companies
| Discount | American Family | State Farm | Progressive | Geico | Allstate |
|---|---|---|---|---|---|
| Bundling | Yes | Yes | Yes | Yes | Yes |
| Defensive driving | Yes | Yes | No | Yes | No |
| Pay-per-mile | Yes | No | No | No | Yes |
| Safety app | Yes | Yes | Yes | Yes | Yes |
AmFam car insurance coverage
American Family offers the normal car insurance coverages and a few extras.
The staples include liability, which most states require by law. They also include collision and comprehensive, which you need for a car loan.
The extras include gap insurance, which is useful if you owe more for your car than it’s worth.
How much is American Family home insurance?
At $3,072 a year, American Family’s average home insurance quote is 12% higher than the national average of $2,801 a year.
AmFam home insurance rate comparison
| Company | Annual rate |
|---|---|
| State Farm | $2,427 |
| Allstate | $2,560 |
| Progressive | $2,648 |
| Nationwide | $3,055 |
| American Family | $3,072 |
| Travelers | $3,149 |
| Farmers | $3,801 |
American Family home insurance rates by state
Even though its average home insurance rate is high, American Family’s quotes are lower than average in some states. For example, AmFam’s rate of $1,493 a year in Wisconsin is 31% less than the Badger State’s average.
AmFam’s rates are also cheaper than state averages in Minnesota, Ohio and a few others.
AmFam home insurance rates vs. state averages
| State | Annual rate | State average | AmFam vs. state average |
|---|---|---|---|
| Arizona | $3,657 | $2,623 | +39% |
| Colorado | $4,675 | $4,489 | +4% |
| Idaho | $2,499 | $2,178 | +15% |
| Illinois | $2,924 | $2,743 | +7% |
| Indiana | $3,580 | $2,643 | +35% |
| Iowa | $2,955 | $2,697 | +10% |
| Kansas | $7,210 | $5,412 | +33% |
| Minnesota | $2,774 | $3,642 | -24% |
| Missouri | $3,159 | $3,387 | -7% |
| Nebraska | $3,834 | $5,912 | -35% |
| Nevada | $1,748 | $1,626 | +8% |
| North Dakota | $2,689 | $2,911 | -8% |
| Ohio | $1,579 | $2,207 | -28% |
| Oregon | $2,405 | $1,885 | +28% |
| South Dakota | $3,729 | $3,605 | +3% |
| Utah | $1,317 | $1,507 | -13% |
| Wisconsin | $1,493 | $2,159 | -31% |
American Family home insurance discounts
American Family’s home insurance discounts include common and unique ways to save.
AmFam’s discount for bundling your home and auto insurance can save you up to 23% on both policies. The company also gives you discounts for paying for your policy upfront, setting up auto pay and going paperless.
You can qualify for another discount from AmFam if:
- Your home is less than 15 years old, or
- You have replaced your home’s plumbing, electrical or heating system within the past 15 years.
Smart home devices such as Wi-Fi water leak detectors can also help you save.
Home insurance discount comparison
| Discount | American Family | State Farm | Allstate | Progressive | Travelers |
|---|---|---|---|---|---|
| Bundling | Yes | Yes | Yes | Yes | Yes |
| Newer home | Yes | No | Yes | Yes | No |
| Renovations | Yes | No | No | No | No |
| Smart home devices | Yes | Yes | Yes | Yes | Yes |
The details and availability of each company’s home insurance discounts vary by state.
AmFam home insurance coverage
AmFam offers a few extra home insurance coverages you can’t get from everyone else, including:
- Hidden water damage: Covers damage from appliance leaks that you may not notice right away.
- Mechanical breakdown insurance: Covers your appliances and home systems for mechanical breakdowns, but not wear and tear.
- Service line coverage: Pays to repair or replace underground utility lines on your property, including water and sewer pipes.
How much is American Family renters insurance?
At $27 a month, American Family’s renters insurance rates are the most expensive of the companies we surveyed. They’re also 50% higher than the national average of $18 a month.
AmFam renters insurance rate comparison
| Company | Monthly rate | Annual rate |
|---|---|---|
| State Farm | $11 | $132 |
| Lemonade | $12 | $144 |
| Allstate | $17 | $204 |
| Amica | $17 | $204 |
| Progressive | $19 | $228 |
| Assurant | $22 | $264 |
| Farmers | $23 | $276 |
| American Family | $27 | $324 |
American Family renters insurance discounts
American Family may have the highest renters insurance of the companies we surveyed, but it also offers more discounts than any of them. If you can get a few of these discounts, your rate with AmFam could be a lot more affordable.
You may get a renters insurance discount from American Family if you:
- Agree to receive bills electronically
- Are 18 to 30 years old and your parents are AmFam customers
- Bundle renters and auto insurance policies with AmFam
- Have been an AmFam customer for a full year
- Have certain smart devices installed in your rental home
- Pay for the entire term of your policy when you first buy it
- Sign up for automatic payments
AmFam renters insurance coverage
American Family’s standard renters insurance policy covers your belongings from damage caused by things like fire, power surges, smoke and theft. It also covers your personal liability Helps cover legal expenses, medical bills and other damages if someone gets injured at your rental home and sues you. and additional living expenses Helps cover temporary housing costs if you move into a hotel or another apartment while your rental home is being repaired or rebuilt. in certain cases.
You can buy several add-on coverages through AmFam as well that let you customize your policy to your needs. These optional add-ons cover:
- Valuables worth more than $2,000
- Equipment breakdown of appliances, devices and gadgets
- Damage caused by backed-up drains or sump overflow
- Flash flood damage
- Home business property and liability
- Travel issues, like lost baggage and emergency overseas medical bills
- Pet health costs
- Credit monitoring
- Identity theft