American Family Insurance Auto Insurance Review: Quotes and Service (2024)

American Family Insurance has been rated by companies like J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) with fair to excellent results in the areas of customer satisfaction and financial stability. So, for those who want to have a competitive car insurance provider, American Family Insurance may be a somewhat compelling option.

MoneyGeek gathered auto insurance quotes for sample drivers in every state and averaged them. In 17 states where American Family sells auto insurance, and MoneyGeek has available data, American Family is neither cheap nor expensive, at an average cost of $1,066 per year.

Across MoneyGeek’s four driver profiles, American Family is neither cheap nor expensive for drivers buying full coverage and minimum coverage policies but is inexpensive for teen (young) drivers and drivers with a speeding ticket.

Shopping around is important if you want to identify the most affordable auto insurance companies. It is also vital to compare insurers based on factors such as customer service and complaints ratings before making a decision.

For drivers who want a full coverage or minimum coverage policy, American Family’s rates are neither cheap nor expensive. However, compared to most insurers, American Family is relatively inexpensive for drivers with a speeding violation and young drivers.

Insurance companies generally do not disclose how they calculate rates, but typically, high-risk category drivers like those with a violation and inexperienced drivers pay more for car insurance. Despite this, American Family goes against the norm and tends to charge lower rates for these drivers.

Most insurers, including American Family, offer standard coverages such as liability insurance, comprehensive and collision insurance. You can also get some common add-on coverages from American Family, such as roadside assistance, rental car reimbursement and gap insurance. American Family also has rideshare insurance. However, add-on coverages like new car replacement, deductible modification and better car replacement are not available.

American Family does not offer many unique coverage options, but it is one of the few insurers that provide original equipment manufacturer (OEM) coverage. This coverage guarantees that if your car is damaged, aftermarket parts are not used to repair your vehicle.

American Family Insurance is robust. Their features include everything from their customer support features to their auto coverage options, discounts and other insurance options. Even for those with more complex insurance needs, there are plenty of options to go around.

American Family Insurance offers an array of insurance options and coverages beyond car insurance. The wide-ranging nature of the options can make it easier to bundle policies together, which can help you save money — though it’s still worth shopping around to see if you can get a lower total cost by diversifying your insurers.

AM Best ranks insurance companies based on their financial strength and provides a way to gauge their ability to pay in the event of a claim. According to their rankings, American Family Insurance earns an “A” rating, meaning that it has a solid financial standing and is stable enough to honor its obligations to customers. Keep in mind, however, that this is an estimate, rather than a warranty.