American Family Car Insurance Review 2025

American Family offers below average rates for drivers with clean records, as well as those with DUIs, poor credit, or a speeding ticket. It’s also worth checking out if your household has a teen drivers, as the company gives discounts for having multiple cars as well as multiple policies, like home and auto bundles. On the other hand, American Family’s rates are above-average for drivers with an at-fault accident.

All that said, your quoted rate may differ widely from the average, so it’s worth getting a quote to see exactly how much you’ll pay.

American Family is available to customers in 19 states:

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

American Family costs an average of $1,936 per year for full coverage car insurance, about 19 percent lower than the national average. When it comes to minimum coverage, American Family is slightly lower than average, costing $604 a year compared to the national average of $635.

If you have a less-than-perfect driving record, you may find lower rates with American Family. In particular, its rates for drivers with speeding tickets and bad credit are lower than the national average, by 11 percent and 16 percent respectively.

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.

Because I’m from Pennsylvania, when I entered my zip code, I was told that American Family doesn’t offer coverage in my state. 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.

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 number 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.

Generally, American Family ranks well when it comes to financial strength and customer satisfaction. One exception is its customer reviews from the Better Business Bureau, though it’s worth noting that most insurance companies have poor customer reviews on BBB.

According to the National Association of Insurance Commissions, American Family received fewer than the expected number of complaints for a company of its size, which is not the case with many of its competitors.

On J.D. Power’s Auto Insurance Study, American Family ranked above average for customer satisfaction everywhere except the North Central region. It also ranked below average in the usage-based insurance category⁵.

*score is for CONNECT, auto insurance that American Family offers in partnership with Costco

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 2024 U.S. Auto Claims Satisfaction study, American Family scored below the national average, 692. On the CRASH Network’s 2025 report on claims satisfaction, it ranked 62 out of 97 with a C+ letter grade⁶. Both reports reflect a less than satisfactory claims experience, which is important to consider when shopping for a provider.

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.

We base our reviews on four key factors:

• Price (40%): We evaluate average premiums for both minimum and full coverage across various driver profiles, including safe drivers with good credit and those with accidents, low credit, or DUIs. We also factor in the availability of discounts. For full coverage, in addition to state-mandated coverages, we use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): Efficient claims processing is a core service of an insurance provider. We consider transparent communication, accessible customer support, and fair, timely payouts as key indicators of good claims practices. Our assessment includes independent sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength ratings from AM Best and S&P. Where possible, we include real customer experiences.
• Customer Experience (25%): We assess customer experience from start to finish, from obtaining quotes and purchasing a policy to making changes or accessing documents. The presence of local agents and the quality of online services are also considered. Our analysis draws from J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We look at the coverage options offered by each company, giving preference to providers that offer add-ons like accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our methodology and ratings.