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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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Trustworthiness

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BFK

Thought they were great until we were in an accident caused by someone who left the scene of the accident. Then we found out they would take advantage of us and try to get out of paying bills. We have stayed with them but I don't trust them any further an I could throw them. :)

4 years ago

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take7 Sandy, UT

They're good as long as you don't have to use them. I was a faithful customer for many years with good driving no claims. Then one day when I ran over a vehicle part that fell off from the far in front of me on the freeway and ruined my car underneath I had to file a at fault claim. The process was tedious and long. I felt like I was treated like a bad driver with a habit of filing claims. Paid for my own car fix and hurt my premium. Customer service was not nice about explaining my fault.

5 years ago

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Abby Stubbs Brigham City, UT

My family has had American Family for several years for our home and auto. Our local office is awesome but whenever I have to contact the corporate office it is a pain. I have had both good and bad experiences submitting claims but it is better than other insurance companies I have had.

4 years ago

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ben boushehri Palos Verdes Estates, CA

there prices are the lowest as far as i checked with farmers ,all state and others . Bout they dont pay your full damage if you have any claim . i had a roof damage and the paid only half of it . " that is what you get when you buy chip stuff "

4 years ago

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Amy Boren American Fork, UT

when we were shopping around we got a quote for auto ins. They were great at explaining everything. Great customer service and they were able to quote exactly what we needed. We ended up going with another company that gave us a better rate.

5 years ago

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Natasha Salt Lake City, UT

The people are really friendly, but it is the most expensive insurance company I have ever used. Their rates are twice what I am paying now for the same thing.

7 years ago

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Tom Gourley Pleasant Grove, UT

As I was shopping for car insurance I found the people at American Family very friendly and helpful but their prices were a bit higher than I found from other reputable carriers.

5 years ago

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HLG American Fork, UT

Had them for many years. They are as good as any of them. My auto rates went up even though my driving history was clean and the value of my vehicles was depreciating. This is not unique to AmFam though.

6 years ago

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Braylyn Linford Lehi, UT

We really liked American family insurance when we first signed up. Then without claims or without accidents or anything their premiums started to rise without any notice.

5 years ago

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Melodie Peterson Sandy, UT

My experience with American Family was just so so, the agent was nice but I didn't feel supported and the insurance was too expensive

4 years ago

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sharon denise lowe ,

well i was with american family the prices were really high to me i didnt really like there service

4 years ago

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Brynne Davies Kuna, ID

The insurance seemed to be good, but I’m not overly impressed with our specific agent

4 years ago

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