American Family Car Insurance Pricing

The average annual cost of full coverage car insurance from American Family is $2,181 per year, lower than the national average of $2,356 per year. Minimum coverage is also cheaper than average at $686 per year (compared to the national average of $722).

The cost of auto insurance for teens is one of the highest of any age group. American Family offers a variety of discounts and other programs catering to young drivers, who have some of the highest insurance rates out of any age group. This specialty means that the company’s average annual rate may skew higher than what your personal rate will be.

American Family offers a variety of auto insurance discounts to help you save.

Policy Type and Joining Discounts

• Multivehicle: This discount applies to individuals and families who insure multiple vehicles with American Family.
• Multipolicy: Drivers who bundle their auto insurance with homeowners, renters, and/or life insurance can save on all of their policies from American Family.
• Loyalty: American Family offers renewal discounts to reward loyal customers. The amount you save will depend on the length of time you’ve been a customer.
• Early bird: You can earn this discount by getting a quote from American Family and purchasing an auto insurance policy from the provider within seven days.
• Carrier switch: You could qualify for this discount if you have an active policy with a competing auto insurance carrier and switch to American Family. The company also calls this discount its “Steer into Savings” offer.

Safe Car and Safe Driving Discounts

• Auto safety equipment: This discount applies to vehicles with factory-installed airbags, anti-lock brakes, and passive restraint systems.
• Defensive driver: Drivers age 55 or older can save by participating in an approved defensive driving course and submitting proof of completion to American Family.
• Good driving: Drivers without histories of accidents, traffic violations, and claims may qualify for reduced premiums.
• Low mileage: American Family offers this discount to customers who drive fewer than 8,000 miles per year.
• Pay-how-you-drive program: This safe driving program uses DriveMyWay, a telematics app, to monitor your driving habits. You’ll save 15 percent for signing up and can save up to 35 percent more depending on how safely you drive. DriveMyWay is available in all states American Family serves.

Discounts for Young Drivers

• Good student: This discount applies to students between the ages of 16 and 25 years old who are high school students or enrolled full-time in two-year to four-year colleges or universities, online school programs, or vocational-technical schools.
• Student away at school: Students who are under the age of 25 and live more than 100 miles away from home to attend college can save by leaving their cars at home and not bringing them to school.
• Young volunteer: Drivers under age 25 who complete 40 hours of volunteer work per year for a registered nonprofit organization can save on American Family insurance.
• Generational: If you are between the ages of 16 and 25 and your parent or guardian is already an American Family customer, you can qualify for this loyalty-based discount.

Accident Forgiveness

American Family sells accident forgiveness coverage, which prevents your premiums from increasing as the result of an at-fault accident.

You can purchase accident forgiveness if you’re a new or existing AmFam customer and have a clean driving record. Existing customers may also be eligible for Earned Accident Forgiveness. Your agent can clarify which coverage you’re eligible for.

Drive Less, Save More

American Family offers usage-based car insurance called MilesMyWay, which pairs a smartphone app and a telematics sensor in your vehicle to transmit mileage data to American Family. If you drive fewer than 8,000 miles per year (about 667 miles per month), you can receive savings totaling up to 25 percent of your monthly premiums. MilesMyWay is an earned savings program, meaning you won’t be penalized or charged for driving more, but you’ll save by driving less.

Rideshare Driver Insurance

Many drivers for rideshare services like Uber and Lyft use their personal vehicles to earn money. However, keep in mind that this flexibility requires specialized insurance coverage. Your personal auto insurance policy does not cover your vehicle during commercial activity, such as giving rides for money.

Rideshare services usually offer insurance coverage to a driver while there is a passenger in the car, but that coverage turns off when the passenger gets out of the vehicle. Specialized rideshare insurance covers the period when the driver is working but doesn’t have a passenger in the car, such as when they’re waiting to be assigned a ride or driving to pick up a passenger.

This kind of coverage is necessary to make sure there are no lapses in protection. American Family is one of our picks for the best auto insurance for rideshares, with great accident forgiveness options for rideshare drivers.

American Family auto insurance is available in the following 19 U.S. states:

• Arizona
• Colorado
• Georgia
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Minnesota
• Missouri
• Nebraska
• Nevada
• North Dakota
• Ohio
• Oregon
• South Dakota
• Utah
• Washington
• Wisconsin

American Family does not charge a cancellation fee if you choose to cancel your auto insurance policy from the company. You are free to cancel your policy at any time and can do so by contacting your local agent and telling them the exact date you’d like your coverage to end. You can also cancel your policy by calling American Family’s customer care center at 1-800-692-6326 at any time.

American Family was founded in 1927 in Madison, Wisconsin. At the time, the company sold auto insurance to agricultural workers exclusively and was named Farmers Mutual Insurance Company. In 1963, it changed its name to American Family Mutual Insurance Company to reflect its newly widened mission of providing a variety of insurance products to an expanding customer base.

The company has expanded into new states and business areas in the nearly 100 years since it was founded. In 2021, the most recent year for which data is available, American Family Insurance Group was the ninth-largest writer of private passenger auto insurance policies in the United States.¹ As of 2024, American Family has sold over 13 million policies.²

American Family owns the following subsidiary auto insurance companies:

• American Standard
• Ameriprise Auto and Home
• Amfam.com Inc.
• CONNECT
• HomeGauge
• Homesite Group Incorporated
• Main Street America
• Moonrise, Inc.
• Networked Insights
• PGC Holdings Corporation

Call the customer care center at 1-800-MYAMFAM (1-800-692-6326) toll-free, 24 hours a day, seven days a week. Alternatively, you can find a local agent: https://www.amfam.com/agent-locator.

The mailing address is as follows:

• American Family
• 6000 American Parkway
• Madison, WI 53783

Connect with American Family on social media:

• Facebook: https://www.facebook.com/amfam
• Instagram: https://www.instagram.com/amfam/
• LinkedIn: https://www.linkedin.com/company/american-family-insurance/
• Pinterest: https://www.pinterest.com/amfaminsurance/
• X: https://x.com/amfam
• YouTube: https://www.youtube.com/user/amfam/custom

American Family offers a wide variety of coverage options and opportunities to save. Its policies may appeal to young drivers and their families thanks to its many discounts for drivers under age 25. It’s also a great option for drivers seeking accident forgiveness coverage and/or rideshare coverage. If you live in a state where American Family offers auto insurance policies, consider getting a car insurance quote.

To find out more about the provider, check out our American Family review.