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American Family Auto Insurance Review: Affordable Rates and Plentiful Discounts

Review Updated
Kailey Hagen
By: Kailey Hagen

Our Insurance Expert

Ashley Maready
Check IconFact Checked Ashley Maready
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

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.

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American Family Auto
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Bottom Line

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.

Pros

  • Affordable rates
  • Strong customer service
  • Great choice for teen drivers
  • Policies available for all types of vehicles

Cons

  • Limited geographic availability

Full American Family Auto insurance review

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Monthly premium costs

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
Data source: The Ascent's analysis of standardized personas.

Cost comparison

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
Data source: The Ascent's analysis of standardized personas.

Discounts

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:

  • Auto pay
  • Auto safety equipment
  • Defensive driver
  • Early bird
  • Generational
  • Good driving
  • Good student
  • Low mileage
  • Loyalty
  • KnowYourDrive
  • Multi-policy
  • Multi-vehicle
  • Paid in full
  • Paperless
  • Pay-How-You-Drive Safe Driving Program
  • Steer Into Savings
  • Student away at school
  • Young volunteer

Coverage

Policy types

  • Car
  • Classic car
  • Rideshare driver
  • Commercial auto
  • Motorcycle
  • RV
  • Boat
  • ATV
  • Snowmobile

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.

Coverage types

  • Accidental death and dismemberment
  • Bodily injury liability
  • Collision
  • Comprehensive
  • Emergency road service
  • ForeverCar vehicle service plan
  • Gap coverage
  • Medical payments
  • Personal injury protection (PIP)
  • Property damage liability
  • Rental reimbursement
  • Uninsured motorist
  • Underinsured motorist

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.

Customer service and ratings

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.

Other insurance available

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.

Alternatives to consider

Award Icon 2024 Award Winner
Logo for State Farm
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our State Farm review

Award Icon 2024 Award Winner
Logo for Geico
Best for price conscious consumersGeico
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our Geico review

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 insurance summary

American Family Auto is a great fit for:

  • Drivers looking for an affordable rate, especially teens
  • Those who place a premium on great customer service
  • Those seeking specialized coverage for classic cars, ride-hailing, or different types of vehicles

But drivers looking for affordable rates outside of American Family Auto's service area should consider State Farm or Geico.

Our Insurance Experts

Kailey Hagen
By: Kailey Hagen

Writer

Kailey Hagen has been writing about small businesses and finance for almost 10 years, with her work appearing on USA Today, CNN Money, Fox Business, and MSN Money. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.

Ashley Maready
Check IconFact Checked Ashley Maready

Writer and Editor

Ashley Maready is a former history museum professional who made the leap to digital content writing and editing in 2021. She has a BA in History and Philosophy from Hood College and an MA in Applied History from Shippensburg University. Ashley loves creating content for the public and learning new things so she can teach others, whether it's information about salt mining, canal mules, or personal finance.