Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

American Family at a glance

ProsCons
  • American Family offers a wide range of discounts for auto policies.
  • The company offers several other lines of insurance, with the option to bundle and save.
  • Homeowners insurance ranked highly across all categories in The Zebra's Customer Satisfaction Survey.
  • American Family's mobile app is user-friendly and is capable of tracking claims status, scheduling payments, contacting roadside assistance and more.
  • American Family has committed to using more renewable energy and working toward zero waste as part of its Sustainability and Climate Action Strategic Plan.
  • American Family does not offer an extensive list of coverage add-ons or endorsements for auto policies.
  • While homeowners gave American Family auto insurance a positive score, renters with American Family policies ranked the carrier below average in our Customer Satisfaction Survey.
Top 3 homeowners carriers
Top 3 homeowners carriers

4.3/5 – American Family placed 3rd overall for homeowners insurance in The Zebra's Customer Satisfaction Survey.

Top 3 in online satisfaction for homeowners
Top 3 in online satisfaction for homeowners

4.5/5 – American Family placed third in homeowners insurance online satisfaction in The Zebra's Customer Satisfaction Survey.


100% filled Star icon 100% filled Star icon 100% filled Star icon 50.0% filled Star icon 0% filled Star icon

3.5 Rating from The Zebra

American Family car insurance review

American Family insurance, also known as AmFam, was founded in 1927. The company originally offered only auto insurance. American Family now offers a comprehensive portfolio of insurance products beyond property and casualty insurance, including life, health, and commercial insurance for businesses.

American Family ranks favorably versus competing insurance companies while reliably paying out claims. Though American Family may not offer as extensive of a list of optional coverage add-ons and endorsements, it compensates with myriad discounts. American Family auto insurance may be a great option if you're looking for a reliable auto policy that will cover the typical risks of driving via collision and comprehensive coverage. 

The Zebra Customer Satisfaction Survey — 4.3/5: American Family was given an overall star rating of 4.3 for auto insurance.

Claims satisfaction (J.D. Power) — Below average: J.D. Power rates American Family below average in overall claims satisfaction.

Customer satisfaction (J.D. Power) — Excellent: American Family received the top rating for overall customer satisfaction among midsized insurers in the 2021 J.D. Power study. 

Financial strength — Excellent: American Family's strong financial status, as graded by AM Best, underscores its stability and reliability.

NAIC Rating — Good: The National Association of Insurance Commissioners (NAIC) received fewer complaints than average regarding American Family's insurance policies in 2020.

Get a Quote

Where is American Family car insurance available? 

CompanyStates availablec

American Family insurance

 AZ, CO, GA, ID, IL, IN, IA, KS, MO, MS, NE, NV, ND, OH, OR, SD, UT, WA, WI

 

American Family car insurance coverage options

With MadisonWisconsin-based American Family, you can expect all the standard auto insurance coverage options you'd typically find in an auto insurance policy — comprehensive, collision, property and bodily injury liability — along with uninsured and underinsured motorist coverage, personal injury protection (PIP), and medical expenses coverage.

We explore below additional policy features and options available with an American Family car insurance policy. These options are common additions to many auto insurance policies.

Lease/loan gap coverage

If you're leasing your car — or took out a loan for your vehicle — and happen to get into a collision that totals your car, you can expect to be paid by your insurance company for the actual cash value of your vehicle which deducts for depreciation. American Family's gap insurance coverage accounts for the difference so you don't have to pay out-of-pocket to cover that gap in the rest of your loan or lease for a car you can no longer drive.

Emergency road service 24/7

Emergency road service does exactly what it claims — it delivers peace of mind in the form of roadside assistance in the event your vehicle has unexpected mechanical or operational issues when you're on the road. American Family provides 24/7 service and also covers your towing expenses if your car needs to be taken to a mechanic.

Rental car reimbursement coverage

American Family will cover the cost of a rental car if your damaged car is being repaired after a collision, as long as you abide by the company's per-day and per-incident limit for rental car coverage.


Find the right policy in only a few minutes.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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).
AmFam apps

American Family online features and apps

MyAmFam

American Family offers a mobile app called MyAmFam that allows you to schedule payments, set up autopay, view insurance cards, track claims status, and contact roadside assistance. The application is a great way to manage your auto policy from the palm of your hand.

American Family also offers two telematics programs, called MilesMyWay and KnowYourDrive. MilesMyWay is a pay-as-you-drive program designed for low mileage drivers. It is unique in the telematics world because drivers are not penalized for driving more, but rewarded for driving less. KnowYourDrive is another usage-based program that measures the safety of your driving rather than miles driven. Learn more about these programs.


How much does American Family car insurance cost?

American Family vs. Competitors.png
Insurance CompanyAverage Monthly Rate

American Family

$117
AAA$161
Allstate$170
GEICO$94
Progressive$104
Farmers$131
Nationwide$90
State Farm$108
American Family vs Competitors by Age Group.png
Insurance CompanyTeens20s30s40s50s60s
American Family $267$139$109$103$97$98
Allstate$491$209$169$167$157$158
GEICO$259$117$97$93$87$86
Progressive$425$137$120$99$90$93
State Farm$281$142$106$104$98$96

American Family vs Competitors by Violation.png

Insurance CompanySpeeding TicketAt-Fault AccidentDUI
American Family$137$147$137
Progressive$148$181$153
Allstate$222$237$356
GEICO$137$164$229
State Farm$130$135$157

Compare car insurance options and find the right policy for you.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

American Family bundling options

 

Vehicle
 PropertyPersonalBusiness
  • Business auto
  • Building & auxilary building
  • Rental property damage
  • Contractors insurance
  • Workers compensation
  • Business liability 
  • Commercial liability umbrella

American Family homeowners insurance review

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 50.0% filled Star icon

4.5 Rating from The Zebra

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.

The Zebra Customer Satisfaction Survey — 4.4/5: American Family excelled in online satisfaction, trust and claims satisfaction. Boomers recommend this carrier, but younger generations were less impressed.

J.D. Power Rating — Average: J.D. Power rates American Family home insurance as average in overall customer satisfaction.

Financial strength — Excellent: American Family's strong financial status, as graded by AM Best, underscores its stability and reliability.

NAIC rating – Good: The National Association of Insurance Commissioners received less than the average number of customer complaints regarding American Family home insurance in 2020.


Where is American Family Insurance available?

CompanyStates availablec

American Family insurance

 AZ, CO, GA, ID, IL, IN, IA, KS, MO, MS, NE, NV, ND, OH, OR, SD, UT, WA, WI

 

American Family home insurance coverage options

American Family’s homeowners insurance offers the standard suite of coverages for your home, detached structures, personal belongings, loss of use, and liability protection. This carrier also offers some additional coverage options you may add to your policy to further customize your insurance. 

 

Equipment breakdown

Equipment breakdown coverage protects appliances, home systems and smart devices if they are damaged due to mechanical, electrical or pressure system breakdown.

 

Matching siding protection

If you opt into this coverage, your homeowners policy will replace damaged sections of siding from a covered peril. If you have undamaged siding coverage, American Family will reimburse up to $20,000 of the cost for replacing the remaining undamaged siding so that everything matches.

 

Sump pump and water backup coverage

If your property is damaged due to water backup or sump pump failure, water backup insurance can put your mind at ease.

 

Credit theft protection and monitoring

American Family has partnered with CyberScout to offer protection to their policyholders in the event a new credit account is opened in your name, an account is updated or changed, or when a company pulls a hard inquiry into your credit. 

 

American Family homeowners discounts

  • Multi-policy: When you bundle home and auto insurance, American Family will offer up to 29% in savings on auto and 20% on homeowners.
  • Age of home: If your home is under 15 years old, you may qualify for this discount. 
  • Renovated home: If you have replaced and updated your plumbing, electrical and/or heating systems in the last 15 years, you may save on your policy.
  • Insurance payment discount: Taking advantage of paperless, auto-pay or full payment plans can earn you additional discounts.
  • Loyalty discount: Members who have enrolled with American Family for a year or more are offered a loyalty discount on their homeowners policy.
  • Generational discount: Members between the ages of 18 and 30 with parents who also have an active American Family policy can save on insurance with this discount. 

Compare insurance rates quickly and easily.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

How much does American Family homeowners insurance cost?

American Family vs Competitors.png
Insurance CompanyAverage Monthly Cost
American Family$144
Allstate$222
Farmers$155
Nationwide$119
State Farm$122
USAA$127

 


How to cancel an American Family policy

In order to cancel your American Family policy, you will need to get in touch with your insurance agent. If you don't have your agent's contact information handy, you can use AmFam's agent locator tool or online or via your MyAmFam mobile app. Your agent will process your termination and ensure that you and the insurer receive all the necessary documentation. Policyholders who wish to cancel can also call customer service at 1-800-MYAMFAM (1-800-692-6326) where a representative can connect you to your agent or submit a request for cancelation on your behalf. 

Can I cancel my American Family policy online?

While the agent locator tool is available online, you must call in to a representative to cancel your policy. 


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.

iconbadge

Survey highlights

  • Men ranked American Family homeowners insurance first in online satisfaction
  • American Family always received a rating above 4.0 across demographics for both auto and home policies
  • This carrier ranked in the top 5 in all queries for drivers with a distracted driving point.
  • Boomers ranked American Family auto first for overall auto insurance, ease and trust, and placed it in the top 3 for every other category.

Renata Balasco
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.