Homesite Auto Insurance Review 2025

Homesite car insurance is known for its direct-to-consumer business model and is therefore a good option for customers who live within its service area and want to buy a policy online.

Homesite Is Best for Those Who:

• Prefer to get a quote and purchase a policy online
• Only need basic auto coverage
• Want to bundle property insurance and take advantage of Homesite’s robust home coverage options

Homesite Is Not Best for Those Who:

• Need more than basic auto coverage
• Live in a state where American Family doesn’t sell car insurance

Homesite doesn’t have available pricing data for its car insurance, but considering that its auto policies are issued through American Family, the latter’s pricing can give you a good idea of what you can expect to pay.

American Family has an average annual premium of $1,936 for full coverage and $604 for minimum coverage, both of which are slightly below the national average.

I’ve included a table below comparing American Family’s average rates to major competitors:

Homesite only advertises home insurance discounts on its website. However, one of them is a bundling discount, which could save you 10 percent if you bundle home and auto. To check what other discounts you might be eligible for, get a quote or speak with an American Family agent.

>>RELATED: Check out our full American Family review for more information on what you can expect from its car insurance policies, including potential discounts.

Homesite lets you get an auto insurance quote online, but it’s not directly through them. When you go to start a quote and click on Auto, it lets you know that it will be taking you to the American Family website.

I entered my ZIP code and was redirected as expected:

I then needed to reselect the type of insurance I wanted a quote for and re-enter my ZIP code. American Family isn’t available in my state, so I couldn’t go any further, but it linked me to various different companies that could provide me coverage.

If I lived in a state where coverage was available, I would have been able to continue the quote process and even purchase my policy online.

Homesite auto policies provide the standard coverages you would expect, including liability, collision, and comprehensive. You can also choose to add medical payments, personal injury protection, and/or uninsured motorist coverage.

Beyond these coverages, it also offers the following add-on options:

Since Homesite is an affiliate of American Family, I looked at customer satisfaction data for both companies to get a better picture of Homesite’s customer service record.

American Family ranked 62nd out of 97 on the most recent CRASH Network Report Card, though it scored the highest among the ten largest providers in the U.S. CONNECT, another American Family affiliate, ranked slightly below average on J.D. Power’s Auto Insurance Study in the California region.¹

In addition, according to the NAIC, Homesite has a complaint index of 3.25, meaning it receives more complaints than average. That said, when I applied a filter for private passenger auto complaints specifically, the number of complaints dropped to 0.

Homesite did rank above average in J.D. Power’s 2025 Digital Experience Study in the shopping category, with a score of 542 (for reference, the highest-ranked company scored 559). This indicates that customers are satisfied with the company’s purchasing process.

When it comes to financial strength, the company’s record is solid — American Family has a rating of A from AM Best.

Clicking on the claims section of Homesite’s website only brings up the option to file a claim for property, flood, or commercial insurance.

While it doesn’t say anything about auto claims, I expect that all auto insurance policy management and claims filing needs to be done through American Family, as that is the issuing company. With American Family, you can easily file a claim online, via the app, over the phone, or in person with a local agent.

Homesite’s website is straightforward if a little outdated. It has limited information on its offerings, and I found that the formatting was not always the easiest to navigate. That said, it provides a clear prompt to get started with a quote right on the homepage — though, as I mentioned earlier, the actual quote process for auto insurance will take place on American Family’s website.

Homesite does not have a mobile app, but again, since its auto policies are issued through American Family, I expect that policyholders can use the American Family app to manage their accounts.

At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:

• Price (40%): We analyze average premiums for full and minimum coverage for different types of drivers, including safe drivers with good credit and those with violations or low credit. We also consider the selection of discounts. Full coverage averages use the following limits:
• • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000 per accident
  • Uninsured/underinsured motorist: $100,000 per person/$300,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): Customers expect their insurance company to handle claims in a transparent and timely manner. We evaluate insurers’ claims practices through sources like the CRASH Network Insurer Report Card. We also consider financial strength from sources like AM Best.
• Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote to purchasing and managing a policy. We also assess a company’s availability of local agents, or lack thereof, as well as its online and mobile user experience. Our sources include J.D. Power studies, the NAIC complaint index, and BBB ratings.
• Coverage Options (10%): We take into account the coverage options offered by each company, including whether they have add-ons like accident forgiveness, gap coverage, and more.

Read more about our ratings and methodology.