American Family Auto Insurance Review: Affordable Rates and Plentiful Discounts
Review
Updated
If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.
American Family Auto provides affordable rates, rare discounts, and strong customer service to drivers of all ages. Teens, in particular, can find unique savings opportunities here and those interested in insuring multiple types of vehicles will appreciate the company's full range of product offerings. Read our full American Family Auto insurance review to learn more.
American Family Auto is an appealing choice for all drivers, but teens and those who need to insure multiple vehicles will find it an especially appealing choice. Its unique discounts and strong customer service make every aspect of the process -- from getting that first quote to filing a claim -- pretty painless. But its limited service area will put it out of reach of many drivers.
American Family Auto's average premium rates were below average for all the driver profiles we looked at. This doesn't factor in many of American Family Auto's discounts. Drivers who qualify for one or more of these could save even more on their rates.
| 35y, female, clean record | 35y, male, clean record | 35y, female, one accident | 18y, male, clean record |
|---|---|---|---|
| $144.50 | $148.83 | $164.08 | $276.58 |
American Family Auto's rates typically fall below the national average. The following table outlines how much it charges annually for several common driver profiles.
| American Family Auto Average Rate | National Average Rate | |
|---|---|---|
| Clean Driving Record | $1,760 | $2,389 |
| Accident on Record | $1,969 | $3,370 |
| Speeding Ticket on Record | $2,291 | $3,032 |
| DUI on Record | $2,439 | $4,380 |
| 18 Years OId - New Driver | $3,319 | $6,291 |
| 65 Years Old - Senior | $1,531 | $2,140 |
| Military Service | $1,786 | $2,375 |
| Minimum Coverage (Liability Only) | $821 | $787 |
American Family Auto offers an impressive array of discounts, including several that are pretty rare. Here's a full list of available auto insurance discounts:
American Family Auto underwrites all major types of vehicle insurance, including classic car and ridesharing policies. Few other insurers can match this, making American Family Auto a great choice for people looking to insure many types of vehicles.
Drivers can purchase all types of mandatory coverage, as well as many common optional protections. American Family Auto also offers a unique ForeverCar vehicle service plan, which is insurance that pays for vehicle repairs not covered by a standard car insurance policy.
American Family Auto insurance has above-average customer satisfaction ratings in several of the regions where it was featured in J.D. Power's most recent U.S. Auto Insurance Study. It also scored above the national average in J.D. Power's U.S. Auto Claims Satisfaction Study.
In addition, the company has an A rating with the Better Business Bureau (BBB) and a below-average complaint ratio with the National Association of Insurance Commissioners (NAIC). This indicates that American Family Auto has received fewer complaints than other auto insurers of a similar size.
American Family insures a lot more than vehicles. Its competitive array of products makes it a good fit for those looking to bundle multiple policies with a single company.
2025 Award Winner
2025 Award Winner
When looking for great customer service and nationwide availability: State Farm is an industry leader known for offering personalized support and flexible policies. But it doesn't offer quite as many discounts as American Family.
When looking for rock-bottom rates: Geico is another car insurance provider that offers low rates and plentiful discounts. While its rates tend to be below-average for a lot of drivers, it doesn't offer as many teen-oriented savings opportunities as American Family Auto.
American Family Auto is a great fit for:
But drivers looking for affordable rates outside of American Family Auto's service area should consider State Farm or Geico.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page.
