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Last updated: May 4, 2024

American Family Car Insurance Review 2024

American Family offers comprehensive coverages and a slew of discounts in 19 states

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Available in 19 states, largely across the South and Midwest, customers ranked American Family second in the Central region for best customer satisfaction. Although I live in Pennsylvania, which is not one of the 19, I was intrigued by American Family’s long list of discounts along with its average prices for full coverage car insurance, which are under the national average. If you’ve got a teen driver, multiple vehicles on your policy, or a less-than-perfect driving record, consider American Family as one of your best auto insurance options.

American Family Auto Insurance Review

Quick Look: American Family Pros & Cons


  • Lower-than-average rates for full coverage car insurance

  • Long list of discounts

  • Usage-based program for safe driving


  • Only available in 19 states

  • Higher-than-average costs for minimum coverage

Who Is American Family Auto Insurance Best For?

American Family is best for families with teen drivers, as the company gives discounts for having multiple cars as well as multiple policies, like home and auto bundles. It is also a good option for a safe driver, as they can save with American Family’s DriveMyWay usage-based program. American Family is also worth checking out if you have an at-fault accident or DUI on your record.

However, it’s not as good an option if you want minimum coverage instead of full coverage, as on average, costs were higher than normal. It’s also available to customers out of these 19 states, which I list below.

How much does American Family car insurance cost?

American Family costs an average of $1,785 per year for full coverage car insurance, about 8 percent lower than the national average. However, when it comes to minimum coverage, American Family is slightly higher than average, costing $713 a year compared to the national average of $547.

Company Average annual premium for full coverage Average annual premium for minimum coverage
American Family $1,785 $713
AAA $2,211 $894
Allstate $2,639 $597
Erie $1,495 $483
Farmers $2,320 $634
GEICO $1,572 $413
Nationwide $1,805 $613
Progressive $1,891 $481
State Farm $1,697 $482
Travelers $1,630 $530
USAA $1,322 $356
National Average $1,924 $547

Rates by Driver Profile

If you have a less-than-perfect driving record, you may find lower rates with American Family. In particular, its rates for drivers with DUIs and at-fault accidents are lower than the national average, by 27 percent and 13 percent respectively.

Driver profile American Family average annual rate for full coverage National average annual rate for full coverage
Good driver with good credit $1,785 $1,924
Driver with a DUI $2,613 $3,328
Driver with an at-fault accident $2,466 $2,809
Driver with bad credit $3,256 $3,315

How You Can Save On Your Policy with American Family

American Family Discounts

Because I’m a pretty good driver, I’d want to save by enrolling in DriveMyWay, American Family’s usage-based insurance (UBI). Not only would I get a 10 percent discount just for enrolling, but based on how safely I drive, I could save another 5 to 20 percent, more than a decent chunk.


If you display unsafe driving behaviors, your rate could actually increase with the DriveMyWay program.

To sign up, I’d enroll in the program through my agent and download the MyAmFamDrive app on my iPhone. The app would measure my safe driving behaviors for 100 days, and then would give me my discount. For the biggest discount, don’t use your phone while driving, brake softly, drive the speed limit or below, and avoid driving at night.

There was also a low mileage discount, which I’d recommend to anyone who drives 7,500 per year or less. Given the amount of people that work from home nowadays, many people could benefit from this discount.

Here is a complete list of the discounts that American Family offers:

  • Automatic payments
  • Bundle multiple policies like home and auto
  • Defensive driver course completion for seniors drivers 55 or older
  • Early quote
  • Generational
  • Good student
  • Having no accidents, claims, or violations
  • Loyalty
  • Multiple vehicles
  • Paperless billing
  • Paying in full
  • Transitioning off parents’ policy
  • Someone under 25 who completes 40 hours of volunteer work per year
  • Student under 25 more than 100 miles away from home who stores their car at home
  • Switch from one of American Family’s competitors
  • Vehicle with factory-installed airbags

I find it notable that American Family offers four discounts for young drivers specifically, including one for volunteer work that I haven’t seen elsewhere. Teens are more expensive to insure than drivers in any other age group, so these discounts could go a long way.

My Experience Getting a Quote from American Family

Quote from American Family

Because I’m from Pennsylvania, when I entered my zip code, I was told that American Family doesn’t offer coverage in my state. Instead, it gave me a few options, including The General, a subsidiary of American Family. However, had I been within American Family’s territory, I could have continued my quote either online, or called a phone number. There was also an option of meeting an insurance agent locally. To find a local agent, all I had to do was enter my zip code.

What types of auto insurance coverage does American Family offer?

American Family Coverages

In addition to the standard auto insurance coverages, including liability, collision, comprehensive, medical payments coverage, personal injury protection, and uninsured/underinsured motorist coverage, American Family offers a slew of add-ons such as:

  • Accidental death and dismemberment: For accidents involving deaths or severe injuries like losing a limb, this coverage will pay for more medical costs, regardless of who caused the accident.
  • Gap insurance: Gap insurance is required for cars purchased with loans, or cars leased instead of purchased. If you total your car, it ensures that you won’t have to keep making payments on it.
  • Rental reimbursement: While your car is in the shop for a covered claim, this coverage will pay for a rental car up to a daily maximum.
  • Roadside assistance: When you’re stuck on the side of the road, roadside assistance can provide towing, battery jump starting, tire servicing, delivering of fuel, locksmithing, and even roadside repairs.


American Family offers accident forgiveness for someone who has switched from another company and has no accidents for the past five years. If they have an accident with American Family, their rates won’t increase. It’s a good deal, considering some providers require you to have been a customer for several years before offering accident forgiveness.

Note that American Family is not available in every state. Here’s a list of states it is available in:

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

American Family: Customer Satisfaction Data

Generally, American Family is ranked highly when it comes to financial strength and customer satisfaction, with the exception of a negative outlook from Moody’s and customer reviews from the Better Business Bureau. That being said, according to the National Association of Insurance Commissions, American Family only received 93 percent of the complaints it should have for a company of its size, which is not the case with many of its competitors. Combine that with the excellent J.D. Power rating and I’d say people are pretty satisfied with AmFam’s customer service.

Category X company
AM Best A1
Better Business Bureau A rating, 1.05 out of 5-star customer rating2
J.D. Power satisfaction rating 837/1,000 in Central region3
Moody’s Negative outlook4
National Association of Insurance Commissioners Complaint Index Score 0.935
Standard and Poor’s A-6

Filing a Claim with American Family

American Family Claims in App

To file a claim with American Family, I could either do it on the website, on the app, over the phone, or in person with a local insurance agent. However, the company makes it clear that the fastest way is to file a claim online or in the app. For vehicle repairs, you can receive payments in as little as one to two days, but accidents with serious injuries will take longer.

In J.D. Power’s 2023 U.S. Auto Claims Satisfaction study, American Family got a score above the national average, 882, demonstrating its timeliness in responding to claims. However, on the CRASH Network’s 2024 report on claims satisfaction, it ranked 52 out of 88 with a C+ letter grade.7 This report differs from J.D. Power because instead of asking customers for their experiences with companies’ claim processing, it asks repair shops.

American Family's Website and Mobile App

MyAmFamDrive App

I found the American Family website to be really easy to use. I could find whatever information I was looking for, for example on discounts and coverages, very quickly. I also had few issues testing out the company’s apps, both the main American Family app as well as the DriveMyWay app, which, confusingly, is called MyAmFamDrive (it just rolls off the tongue, doesn’t it?).

That being said, I think the iPhone apps are better than the Android apps across the board. For example, with the MyAmFamDrive Android app, some users complained that it was overly-sensitive to detecting hard braking, which could raise rates even higher than before. This is a problem I see with many UBI apps. The technology is fairly new, so it often comes with some hiccups. However, I like that AmFam’s customer support responded to the bad reviews, offering customers their assistance.

App Rating (out of 5)
American Family iPhone — 4.8 stars

Android — 3.6 stars

MyAmFamDrive (DriveMyWay) iPhone — 4.4 stars

Android — 3.3 stars

Methodology – How We Review Insurance Companies

When I review car insurance companies, I’m keeping the following factors in mind:

  • Average prices: I use national data to compare average annual costs of car insurance for full and minimum coverage. I also take into account driver profiles like people who have been convicted of driving under the influence, people with at-fault accidents on their records, and people with low credit scores, which can increase rates in most states. I look for companies priced at below the national average, but keep in mind that since car insurance isn’t one-size-fits-all, even a company with high average prices could be affordable for you.
  • Discounts: Along with pricing comes discounts, which are available based on both the driver and the vehicle. For example, some companies offer discounts for parents of students with good grades, or seniors who have taken a defensive driving class. On the other end, companies offer discounts to vehicles with certain safety features or anti-theft technology, as it lowers the frequency and the size of claims.
  • Coverages: Aside from the basic coverages that every car insurance company offers (bodily injury and property damage liability, collision and comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage/personal injury protection), I also look for add-ons like roadside assistance, rental car reimbursement, and gap insurance, at a minimum. Some companies go above and beyond with coverages for classic cars, driving to Mexico, or replacing a car with a new car after it’s been totaled.
  • Customer satisfaction: While I take my own experience dealing with a company into account, I also look at third-party ratings from real customers on the Better Business Bureau, J.D. Power’s customer satisfaction surveys, and the National Association of Insurance Commissioners, which measures the amount of complaints it receives to the company’s size.
  • Financial strength: Car insurance companies need to be financially strong and creditworthy in order to pay out claims. For that reason, I analyze data from Moody’s, Standard and Poor’s, and AM Best, seeing which companies are viewed as financially stable.
  • Claims: Most companies let you submit claims online, over the phone, and in person. I also see how long companies take to respond to claims, and incorporate third-party data from the CRASH Network’s 2024 report as well as J.D. Power’s Claims Satisfaction study.
  • Mobile apps and websites: Last but not least, I test out a company’s website and apps, which may include a main app for paying bills, submitting claims, and viewing your insurance ID card, as well as a separate app for usage-based insurance. I make sure these apps are easy-to-use, and I read customer reviews on the Apple and Google Play stores, looking for apps with average ratings of at least three stars or above.

Frequently Asked Questions

Why is American Family so expensive?

American Family is actually not so expensive. The average annual cost of full coverage is only $1,785 at American Family, while the national average is $1,924, 8 percent higher. That being said, American Family is, on average, more expensive than the national average for minimum coverage. Some reasons that your coverage may be more expensive could be due to your past accidents and tickets, low credit score, the ages of the drivers on your policy, or other personal factors.

What company owns American Family insurance?

There is no other insurance company that owns American Family Insurance. Rather, it is a subsidiary of American Family Mutual Insurance Company, according to the U.S. Securities and Exchange Commission.

Is American Family insurance the same as The General?

No, American Family is not the same as The General. However, American Family Insurance has owned The General since 2012. The two remain separate brands.

What states have American Family insurance?

The states that have American Family insurance include:

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


  1. AM Best Affirms Credit Rating of American Family Mutual Insurance Co., S.I., Its Affiliates and American Family Life Ins. Co. AM Best. (2023, Oct 5).

  2. Business Profile: American Family Insurance. Better Business Bureau. (2024).

  3. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).

  4. American Family Insurance Group. MOODY’S. (2024).

  5. American Family Ins Co National Complaint Index Report. National Association of Insurance Commissioners. (2024).

  6. American Family Mutual Outlook Revised To Stable From Negative On Revised Criteria; ‘A-‘ Ratings Affirmed. S&P Global Ratings. (2023, Nov 15).

  7. Top Rated U.S. Car Insurance Companies for 2024. Crash Network. (2024).