American Family Car and Home Insurance Review (2024)
$1,920/yr
$3,072/yr
Pros
Car insurance rates are cheaper than average
Excellent customer service ratings
Parents can pass discounts to kids
Extras include gap and inland flood coverage
Very cheap home and auto rates in Minnesota, Utah and Wisconsin
Cons
Home insurance rates are higher than average
Only available in 19 states
Review: Is American Family a good company?
American Family, or AmFam, is a very good company to contact for car insurance quotes. It has good customer service reviews and car insurance rates that are cheaper than average.
American Family’s home insurance rate is slightly higher than the national average. However, its home insurance can be a lot cheaper when you bundle it with AmFam car insurance.
American Family ratings and reviews
| Rating | American Family’s score | Industry average |
|---|---|---|
| Auto complaint rating | 0.35 | 1.0 |
| Home complaint rating | 0.49 | 1.0 |
| Auto satisfaction | 838 | 835 |
| Home satisfaction | 813 | 819 |
| Financial strength | A (AM Best) | Third-highest possible rating |
Sources: J.D. Power, NAIC, AM Best. Lower is better for complaint ratings. Higher is better for satisfaction ratings.
American Family customer reviews
American Family’s excellent 4.7 rating in Trustpilot reviews is remarkable. A handful of AmFam’s competitors have Trustpilot scores below 1.6, which is considered bad.
Insurance customers tend to only write insurance reviews after a dispute with their insurance company. This is one of the main reasons why insurance companies often have low ratings on Trustpilot and the Better Business Bureau’s website.
However, numerous customers praised American Family for its low prices and convenience in their Trustpilot reviews. A few reviewers praised the company’s agents for their expertise.
Insurance company ratings on Trustpilot
| Company | Trustpilot rating |
|---|---|
| Allstate | 1.2 |
| American Family | 4.7 |
| Farmers | 1.4 |
| Liberty Mutual | 1.1 |
| Nationwide | 1.6 |
How much is American Family car insurance?
American Family’s full-coverage car insurance Full coverage includes collision and comprehensive, which cover your car for damage and theft. You need both for a car loan or lease. quotes average $1,920 a year, or $160 a month. These rates are 3% less than the national average of $164 a month.
At $61 a month, American Family’s liability car insurance Auto liability covers injuries and damage you cause to others. It’s required by law in most states. rates are 6% less than the national average ($64 a month).
AmFam car insurance rate comparison
| Company | Full coverage | Liability only | |
|---|---|---|---|
 | State Farm | $1,487 | $597 |
 | Travelers | $1,919 | $835 |
| American Family | $1,920 | $728 |
 | Geico | $1,937 | $727 |
 | Progressive | $2,032 | $791 |
 | Nationwide | $2,226 | $963 |
 | Allstate | $2,609 | $1,158 |
You can get American Family car insurance quotes from its exclusive insurance agents in 19 states AZ, CO, GA, IA, ID, IL, IN, KS, MN, MO, ND, NE, NV, OH, OR, SD, UT, WA and WI. . Its sister company Connect is available in more areas, largely through Costco and Ameriprise Financial.
AmFam car insurance cost by driving record
At $3,114 a year, AmFam costs drivers with a DUI 14% less than the national average. Its rates for other drivers with a bad record are closer to national averages.
For example, AmFam’s rate after a speeding ticket is only 3% less than the national average. Its rate for drivers with an at-fault accident is 2% higher than the average.
AmFam annual rates by driving record
| Incident | American Family | U.S. average | AmFam vs. average |
|---|---|---|---|
| Ticket | $2,352 | $2,427 | -3% |
| Accident | $2,980 | $2,930 | +2% |
| DUI | $3,114 | $3,626 | -14% |
American Family car insurance cost for teens
American Family’s rates for teen drivers are cheaper than national averages.
For example, teens pay an average of $2,364 a year for liability insurance with American Family. This is 3% less than the national average. AmFam’s full-coverage rate for teens is 7% less than the national average.
Insurance rates for teen drivers
| Type of coverage | American Family | U.S. average | AmFam vs. average |
|---|---|---|---|
| Liability | $2,364 | $2,433 | -3% |
| Full coverage | $5,413 | $5,824 | -7% |
Teens pay more for insurance than other age groups because they are more likely to crash. American Family offers these discounts to young drivers:
- Good student: Good grades can help a teen save on car insurance.
- Away at school: Students under the age of 25 can save if they go off at college without a car. The school needs to be at least 100 miles away from home.
- Young volunteer: Drivers under 25 get a discount for completing at least 40 hours of volunteer work with a nonprofit.
- Generational savings: The children of an American Family customer can get a discount on an AmFam policy of their own.
American Family car insurance quotes by state
American Family’s car insurance quotes are especially cheap in Minnesota, Oregon and Utah. Its rates are at least 20% less than the state average in each of these states.
On the other hand, AmFam’s rate in Nevada is 50% higher than the Silver State’s average.
AmFam annual rates vs. state averages
| State | Full-coverage rate | State average | AmFam vs. state average |
|---|---|---|---|
| Colorado | $3,252 | $2,542 | +28% |
| Illinois | $1,705 | $2,109 | -19% |
| Indiana | $1,475 | $1,511 | -2% |
| Iowa | $1,430 | $1,663 | -14% |
| Kansas | $1,659 | $1,991 | -17% |
| Minnesota | $1,501 | $1,884 | -20% |
| Missouri | $1,576 | $1,908 | -17% |
| Nebraska | $1,705 | $1,909 | -11% |
| Nevada | $4,497 | $2,958 | +52% |
| North Dakota | $1,681 | $1,858 | -10% |
| Oregon | $1,629 | $2,115 | -23% |
| South Dakota | $1,889 | $2,016 | -6% |
| Utah | $1,767 | $2,261 | -22% |
| Washington | $1,776 | $1,534 | +16% |
| Wisconsin | $1,265 | $1,540 | -18% |
American Family car insurance discounts
American Family offers most normal car insurance discounts and a few unique ways to save.
Like most companies, AmFam gives you a generous discount if you bundle your car insurance with a home or renters policy.
Other ways to save with American Family include:
- DriveMyWay: You can get a 10% discount just for signing up for AmFam’s app-based safe driver program. The app monitors your driving. You can save 5% to 20% when you renew, depending on how safely you drive.
- Defensive driver: Completing an approved defensive driver class can get you a discount if you are 55 or older.
- MilesMyWay: AmFam’s pay-per-mile insurance program can help you save on insurance if you don’t drive very often. It’s best for people who drive less than 8,000 miles a year.
AmFam auto discounts vs. other companies
| Discount | American Family | State Farm | Progressive | Geico | Allstate |
|---|---|---|---|---|---|
| Bundling | Yes | Yes | Yes | Yes | Yes |
| Defensive driving | Yes | Yes | No | Yes | No |
| Pay-per-mile | Yes | No | No | No | Yes |
| Safety app | Yes | Yes | Yes | Yes | Yes |
AmFam car insurance coverage
American Family offers the normal car insurance coverages and a few extras.
The staples include liability, which most states require by law. They also include collision and comprehensive, which you need for a car loan.
The extras include gap insurance, which is useful if you owe more for your car than it’s worth.
How much is American Family home insurance?
At $3,072 a year, American Family’s average home insurance quote is 12% higher than the national average of $2,801 a year.
AmFam home insurance rate comparison
| Company | Annual rate |
|---|---|
| State Farm | $2,427 |
| Allstate | $2,560 |
| Progressive | $2,648 |
| Nationwide | $3,055 |
| American Family | $3,072 |
| Travelers | $3,149 |
| Farmers | $3,801 |
American Family home insurance rates by state
Even though its average home insurance rate is high, American Family’s quotes are lower than average in some states. For example, AmFam’s rate of $1,493 a year in Wisconsin is 31% less than the Badger State’s average.
AmFam’s rates are also cheaper than state averages in Minnesota, Ohio and a few others.
AmFam home insurance rates vs. state averages
| State | Annual rate | State average | AmFam vs. state average |
|---|---|---|---|
| Arizona | $3,657 | $2,623 | +39% |
| Colorado | $4,675 | $4,489 | +4% |
| Idaho | $2,499 | $2,178 | +15% |
| Illinois | $2,924 | $2,743 | +7% |
| Indiana | $3,580 | $2,643 | +35% |
| Iowa | $2,955 | $2,697 | +10% |
| Kansas | $7,210 | $5,412 | +33% |
| Minnesota | $2,774 | $3,642 | -24% |
| Missouri | $3,159 | $3,387 | -7% |
| Nebraska | $3,834 | $5,912 | -35% |
| Nevada | $1,748 | $1,626 | +8% |
| North Dakota | $2,689 | $2,911 | -8% |
| Ohio | $1,579 | $2,207 | -28% |
| Oregon | $2,405 | $1,885 | +28% |
| South Dakota | $3,729 | $3,605 | +3% |
| Utah | $1,317 | $1,507 | -13% |
| Wisconsin | $1,493 | $2,159 | -31% |
American Family home insurance discounts
American Family’s home insurance discounts include common and unique ways to save.
AmFam’s discount for bundling your home and auto insurance can save you up to 23% on both policies. The company also gives you discounts for paying for your policy upfront, setting up auto pay and going paperless.
You can qualify for another discount from AmFam if:
- Your home is less than 15 years old, or
- You have replaced your home’s plumbing, electrical or heating system within the past 15 years.
Smart home devices such as Wi-Fi water leak detectors can also help you save.
Home insurance discount comparison
| Discount | American Family | State Farm | Allstate | Progressive | Travelers |
|---|---|---|---|---|---|
| Bundling | Yes | Yes | Yes | Yes | Yes |
| Newer home | Yes | No | Yes | Yes | No |
| Renovations | Yes | No | No | No | No |
| Smart home devices | Yes | Yes | Yes | Yes | Yes |
The details and availability of each company’s home insurance discounts vary by state.
AmFam home insurance coverage
AmFam offers a few extra home insurance coverages you can’t get from everyone else, including:
- Hidden water damage: Covers damage from appliance leaks that you may not notice right away.
- Mechanical breakdown insurance: Covers your appliances and home systems for mechanical breakdowns, but not wear and tear.
- Service line coverage: Pays to repair or replace underground utility lines on your property, including water and sewer pipes.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX. Teen drivers are 18-year-old males with no tickets or accidents.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required
- Collision: $500 deductible
- Comprehensive: $500 deductible
The home insurance rates shown in this article are also based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. The following coverages and deductible were used unless otherwise noted:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
The availability and details of all home and auto insurance discounts mentioned in this article vary by state.
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
Overall satisfaction ratings are from the J.D. Power 2023 U.S. Auto Insurance Study.
Claims satisfaction ratings are from the J.D. Power 2023 Auto Claims Satisfaction Study.
Complaint ratings are based on NAIC data from 2023.