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American Family Insurance

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104 User Reviews

6.7

Overall Score

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Author: Kaitlyn Short

LAST UPDATED: February 16th, 2022

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

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4.2

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104 Reviews

Review Breakdown

5 grade

54%

4 grade

26%

3 grade

12%

2 grade

6%

1 grade

3%

Sentiment Criteria

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Quality

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Service

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Gabe Burton Riverton, UT

I am so disappointed in American Family Insurance. I have been with them for over 7 years. I had two very small claims with them in the last few years, but never anything big. They had been great up until recently. A few months ago I was rear-ended in a no-fault state I was traveling in for work. They were determined to be responsible for my medical bills and were awful to deal with. I am still fighting them daily. Then I received a letter that they are terminating my auto insurance coverage in January. I couldn’t believe it. American Family is great until they have to pay for anything.

3 years ago

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Paul Stein Toronto, ON

I signed on with American Family Insurance immediately when they arrived in Ohio. My first claim was handled by a outside adjusting firm. A engine fire in a T&C Chrysler minivan. Told the adjusting agent ' give me my day old battery, cover my costs'. No! Okie Dokie sweetheart! So 4 months at the Chrysler dealer, 4months of a minivan rental, 7600 miles later, $8550 for a $2580 claim American Family Insurance started their own adjusting group. Cheaping out ALWAYS PAYS OFF!

3 years ago

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Tonia Ziter Midvale, UT

I had to deal with this company in an accident claim. Their client ran over me with her car while I was riding my bike. They refused to admit fault for their client and consistently wanted to argue that I was in the wrong for riding where I was. I had to do my own legal findings and kept submitting them to their claims department to even have them finally pay for anything. I still have a large scar on my leg because they only would pay medical and not pay for any reconstructive to make my leg look back to normal.

4 years ago

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Molly Jorgensen Lehi, UT

They were not helpful at all during the accident in which my husband's car was hit and the other driver's insurance company didn't pay out. We are still battling with it 7 months later.

5 years ago

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Angelina Hamilton Gulfport, MS

Did an online quote the other day and it is not going to save me any money so there is no since in switching. The chat feature with customer service was every helpful. They walked me through all the option they had with full coverage insurance verses liability. I heard good things about them. I just can’t afford it.

5 years ago

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Shelly D Baker Ozark, MO

American Family is an ok insurance company But they are over priced, I reccommend shopping around, for a better price.

3 years ago

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