Founded in 1927 and headquartered in Madison, WI, American Family Insurance offers a wide range of products and services including auto, home, life, and health insurance as well as retirement solutions. The company's auto insurance highlights include reliable emergency roadside service, easy account access, and the KnowYourDrive safe driving tracker app and savings eligibility.

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The Good

Repair Shop Program
Coverage Features
Discounts

Repair Shop Program

American Family has a network of trusted repair shops connected to its Dreams Restored Program (DRP). When you get your vehicle repaired at a DRP repair shop, you get discounted rates, even if you're paying for your repairs out of pocket.

Coverage Features

American Family provides excellent car insurance education on its website including the implications of each aspect of auto insurance coverage. The insurer's coverage includes the following:

Property damage
Bodily injury
Collision
Comprehensive
Medical Expense
PIP
Lease/Loan
Rental reimbursement
Emergency road service
Underinsured
Accidental death and dismemberment
Uninsured

Discounts

American Family customers may be eligible for multiple discounts, including for the following:

Multi-vehicle
Loyalty
Early-bird
Bundled policy
Transfer from a competitor
Safety equipment
Defensive driver
Save driver
Low mileage
KnowYourDrive driving evaluation
Good student
Teen safe driver
Away at school
Young volunteer
Generational
Autopay
Customer full pay
Paperless bill

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The Bad

Limited State Availability

Limited State Availability

American Family Insurance is only available in 19/50 states:

Arizona
Colorado
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Minnesota
Missouri
Nebraska
Nevada
North Dakota
Ohio
Oregon
South Dakota
Utah
Washington
Wisconsin

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The Bottom Line

If you live in one of the 19 states serviced by American Family Auto Insurance, it is definitely worth looking into. This company is also a great choice for those who wish to bundle their insurance services in one place. Bundling is easy, saves money, and can supplement any other discounts for which you are eligible.

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User Reviews

Star Rating

4.2

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104 Reviews

Review Breakdown

5 grade

54%

4 grade

26%

3 grade

12%

2 grade

1 grade

Sentiment Criteria

Value

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Quality

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Service

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Juli Maloney Henderson, NV

We were clients of American Family until our son was involved in a small accident that resulted in a scratch on the cars of both vehicles involved. We obtained photographs and testimony showing the accident was clearly the other party's fault, but our claims agent refused to follow up with witness statements. The decision of fault was determined immediately and payout was provided to the other party, providing a rental car and repairs for a scratch that could have been buffed out. We spoke to two different supervisors and got completely different responses. One agreed that the evidence from the photos was enough to show fault belonged to the other party the second supervisor, who was the supervisor of our claim agent, never responded. We only found out that the claim had been decided when we received our renewal and increase. It seemed interesting to us that the insurance company that is supposed to be looking out for us, their client, didn't investigate the claim. Could it be due to the fact that our son was a 16-year-old male and those payments could be easy to increase? One will never know.

3 years ago

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Barracuda Sterling, IL

Cancelled me with 15 days notice because my child would turn 15 during the next 6 month renewal period and get his learners permit. Had that cancellation screwing up my insurance rates for 10 years after.

4 years ago

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Luis Cameron, MO

Too expensive and they just pay out to people involved in accidents if they also have the same insurance! Don't even investigate your innocence

6 years ago