American Family Insurance Review

American Family car insurance discounts

When searching for a new auto insurance policy, always evaluate what an insurance company has to offer in terms of discounts and look into which ones you can qualify for. American Family offers a variety of discounts and money-saving programs that can help alleviate the cost of your monthly premium.

Discounts based on your insurance policy

• Multi-policy: Bundling multiple policies (e.g. auto and homeowners insurance) is rewarded with a slight discount off your premium.
• Multi-car: You can save some money by adding more than one car to your policy. Plus, it saves you the hassle of handling multiple premiums.
• Early bird: If you get a quote from American Family at least seven days before your policy with another insurance company goes into effect, you may be eligible for a discount. 
• Steer into Savings: First-time AmFam customers can receive a discount by switching to an American Family car insurance policy from a competing insurance company.
• Loyalty: Depending on how long you've been an American Family policyholder, a loyalty discount may be applied to your premium.
• Billing: Pay your premium in full and enroll in autopay and paperless billing to see some savings.
  
  

Discounts based on safety

• Low mileage: If you drive less than 7,500 miles per year, you may be eligible for this discount.
• Auto safety equipment: Depending on the state you reside in, you can expect a 10-30% discount if your car has safety equipment like factory-installed airbags.
• Defensive driver: If you're over 55 years old, complete an American Family-approved defensive driving course, and live in an eligible state, you can see 5-10% off your car insurance.
• Good driving: Have an excellent driving record? American Family recognizes this with a reduced rate premium.
• KnowYourDrive program: Available in some states, enjoy an introductory 5% discount if you enroll in American Family's telematics program. Once you download the app, it tracks and evaluates your driving behavior to help you become a safer, more defensive driver. Depending on your driving score, you can get up to 20% off your car insurance.
  
  

Discounts for young drivers

• Good student: American Family recognizes good grades in school with a student discount.
• Away at school: See some savings if you're a student under age 25 who lives at least 100 miles from your parked car at home.
• Volunteer work: Giving back to your community by completing at least 40 hours of volunteer work per year at a non-profit is rewarded with a discounted auto policy if you're under age 25.
• Generational: If either of your parents is a customer, American Family rewards this generational loyalty with a discount.
• Teen Safe Driver program: If you have a teenage driver on your policy, you can get a discount for enrolling in this telematics program. An in-car device that's triggered by erratic driving movements like swerving, sudden accelerations, and hard braking is installed in your teen's vehicle. Once triggered, it records inside and outside the car and sends this data to a center where professional driving coaches review the footage. Parents can access and review a weekly report card and driving performance assessment of their teenage driver(s).

American Family homeowners insurance includes all of the standard coverages of a home policy plus some optional add-ons to further enhance your coverage. AmFam's homeowners policies came highly ranked by consumers in The Zebra's Customer Satisfaction Survey, placing first for overall homeowners carriers from male respondents and third in online satisfaction. The company also placed third for claims satisfaction, trust and online satisfaction for their homeowners insurance product.

Monthly rates are about average for American Family's standard homeowners policies, making the company a solid choice for your next homeowners policy. Between the favorable reviews in The Zebra's survey and its affordable premiums, American Family homeowners insurance stands among the strongest homeowners insurance options.

Key Customer Satisfaction Survey findings — American Family insurance

Overall Takeaways

Auto insurance

The Zebra conducted a survey with the intention of understanding carriers from a customer's perspective. We asked how each major carrier held up in online experience, claims satisfaction, ease of use, customer service, trustworthiness, and willingness to recommend. American Family auto insurance received an overall star rating of 4.3, maintaining a ranking in the top 10 in each category across demographics. This carrier was favored by homeowners rather than renters for auto insurance, with homeowners giving America Family auto fifth place and renters placing them 14th. For respondents with a distracted driving ticket, this carrier was ranked in the top five in all queries. These results tell us that American Family might be a strong contender for drivers with points on their driving history, but renters may want to look elsewhere.

Home insurance

American Family homeowners insurance fared better than their auto policies, placing third overall. This carrier also came in third place for claims satisfaction, trust and online satisfaction for their homeowners insurance product. Male respondents gave American Family more points than did females, and older generations seemed to be more satisfied with this company than their younger counterparts. 

Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.