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Discover our in-depth 2024 review of American Family Auto Insurance. We break down costs, coverage options, customer satisfaction scores, and more to help you decide if it's right for your needs. Includes pros, cons, and top alternatives.
Quick Pick
While American Family offers some competitive rates, customer satisfaction lags behind. Our recommendation: Explore the Best Auto Insurance for top-rated providers with better service and value.
American Family Insurance, founded in 1927 and based in Madison, Wisconsin, provides auto insurance across 19 states and Washington, D.C. Known for covering cars, motorcycles, RVs, and boats, their auto policies aim to deliver standard protection with a few unique perks. But how does it stack up in 2024?
In our analysis of over 11,000 policyholder responses, American Family scores a modest 1.5 out of 5 stars—well below the segment average of 3.1. Factors like pricing for high-risk drivers shine, but service and options fall short. Let's dive into the details to see if it fits your driving profile. Check our Best Auto Insurance guide for superior picks.
Here's a side-by-side look at key metrics based on recent data:
| Feature | American Family | Industry Average |
|---|---|---|
| Overall Rating (out of 5) | 1.5 stars | 3.1 stars |
| Renewal Likelihood | 28% | 58% |
| Rates for Poor Credit | 15% below average | National average |
| Discount Variety | 8+ options | 6-10 options |
| State Availability | 19 states + D.C. | 45+ states |
| Accident Forgiveness | Available | Varies by insurer |
This table highlights strengths in affordability for certain profiles but reveals gaps in satisfaction and reach. Ready for more? See top alternatives in our Best Auto Insurance roundup.
American Family delivers core auto coverages you'd expect:
Add-ons include roadside assistance (towing up to 15 miles), rental car reimbursement ($30-50/day), gap insurance for financed vehicles, and OEM parts coverage for repairs. Unique offerings like rideshare protection and diminishing deductibles (reduces by $100/year claim-free) add value for gig workers or safe drivers.
However, options feel limited compared to fuller suites from others—no mechanical breakdown insurance or pet coverage. For broader protection, view our Best Auto Insurance recommendations.
Pricing varies by profile, but American Family excels for challenging cases:
Discounts boost savings:
Use their online quote tool for personalized rates, but note availability limits options nationwide. Compare with leaders in Best Auto Insurance.
Bottom line on rates: Great for budget-conscious high-risk folks, but service may cost more in hassle. Discover better-rated options here.
Service is the weak link. In surveys:
Positive notes: Local agents in covered states offer personalized help. Digital tools shine for payments and ID cards. Still, low scores suggest room for improvement. Switch to higher-rated service via our Best Auto Insurance guide.
Yes if: Poor credit, need discounts, or live in one of 19 states (e.g., WI, CO, AZ).
No if: Prioritize top-tier service, nationwide access, or extensive add-ons—opt for alternatives.
Pro Tip: Bundle with home/RV for max savings, and shop annually as rates fluctuate 10-15% yearly.
See on our Best Life Insurance page for bundling ideas.
American Family operates in 19 states including Wisconsin, Colorado, Arizona, Georgia, and Washington D.C., but not California, New York, or Florida.
Yes—averaging 15% below national benchmarks, making it a strong choice for credit-challenged profiles.
Absolutely, available after one claim-free year, preventing rate hikes on qualifying incidents.
Mixed: Digital filing is quick, but full resolution takes 18-25 days on average, with satisfaction at 1.5/5.
Yes, bundling auto with home, life, or RV saves up to 25%, accessible via agents or online.
For licensing prep in key states, check Golden State Licensing: Essential Preparation For The California Life And Health Insurance Exam or CALIFORNIA LIFE AND HEALTH INSURANCE LICENSE STUDY GUIDE.
