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American Family Insurance

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Overall Score

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. 


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


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 

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

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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104 Reviews

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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.

2 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.

3 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

5 years ago