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Our take
American Family consistently ranked toward the top of Insure.com’s survey of insurance consumers in a variety of categories, including customer satisfaction and auto and home bundling.
Overall, American Family came in No. 8 in Insure.com’s Best Car Insurance Companies ranking for 2023 with 2.7 (or, more precisely, 2.72) stars out of 5.
However, the company scored behind competitors for car insurance discounts.
Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
Pros and Cons
- High ranking for customer satisfaction
- Very affordable rates
- Didn’t ranks as well as some other insurers for ease of service
- Not available in all 50 states
How much American Family costs
American Family has competitive prices compared to other companies in our survey with a national average annual car insurance rate of $1,362, which comes out to around $114 a month.
| Insurance company | Monthly rate/premium |
|---|---|
| American Family | $114 |
| Farmers | $165 |
| Allstate | $174 |
How American Family scores for customer satisfaction
American Family has high rankings for customer satisfaction, according to our survey. More than 90% of customers gave the company a strong grade in this category. Another customer satisfaction metric to consider is J.D. Power. American Family received a J.D. Power score of 838 (out of 1,000) for customer service, which was the second-highest score among the companies we ranked. J.D. Power grades auto insurance companies on state/regional levels – it doesn’t offer national scores. We averaged the state/regional results to get a sense of how the companies did as a whole.
| Insurance company | Percent of customers satisfied with the company overall |
|---|---|
| American Family | 92% |
| Travelers | 96% |
| State Farm | 91% |
How American Family scores on ease of service
American Family didn’t rank as well in terms of ease of service, which includes access to policy documents and services. Even though 86% of customers were pleased, other companies had higher scores in this category in our survey.
| Insurance company | Percent of customers satisfied with the company’s ease of service |
|---|---|
| American Family | 86% |
| Liberty Mutual | 92% |
| Nationwide | 87% |
How American Family scores on policy offerings
The company, like most insurers, had a percentage in the eighties for this category. At 83%, American Family came in below several competitors.
| Insurance company | Percent of customers satisfied with the company’s policy offerings |
|---|---|
| American Family | 83% |
| Farmers | 85% |
| Travelers | 85% |
Would current customers recommend American Family to others?
Customers would overwhelmingly recommend American Family to their friends and relatives – it had one of the higher scores in our survey at 94%.
| Insurance company | Percent of customers who would recommend their auto insurance company to others |
|---|---|
| American Family | 94% |
| Erie | 96% |
| Nationwide | 94% |
How trustworthy is American Family?
Most insurers had scores in the 70-to-upper-80 percentile range. Three-quarters of American Family’s customers said they trust it. State Farm had the highest score in this category, with 84% of its customers saying they trust it.
| Insurance company | Percent of customers who say they trust their auto insurance company |
|---|---|
| American Family | 75% |
| State Farm | 84% |
| Nationwide | 65% |
Do American Family customers plan to renew?
Yes, with 86% of American Family customers indicating they’ll renew their auto policy. However, several other companies performed much better here.
| Insurance company | Percent of customers who plan to renew with their auto insurance company |
|---|---|
| American Family | 86% |
| Erie | 100% |
| Auto-Owners | 95% |
How American Family scores on claims handling
American Family is in the middle of the pack when it comes to handling claims, with 69% of its customers saying the company did a satisfactory job in this area. Looking at another third-party metric: Its J.D. Power claims satisfaction rating was 874 out of 1,000, which is above the industry average of 873.
| Insurance company | Survey score for claims handling |
|---|---|
| American Family | 69% |
| Allstate | 87% |
| State Farm | 66% |
How American Family scores for bundling home and auto policies
Bundling is one of the company’s strengths. American Family and Travelers had the highest scores at 81%. It also has a great discount of 18% for bundling home with auto, making it a good company if you want an insurance package.
| Insurance company | Discount for bundling home and auto | Survey score for bundling home and auto |
|---|---|---|
| American Family | 18% | 81% |
| Travelers | 10% | 81% |
| Allstate | 16% | 63% |
American Family car insurance coverages
- Car insurance, personal and commercial
- Classic car
- Motorcycle
- RV and camper
- Boat
- ATV snowmobile
American Family additional policies
- Business
- Farm and ranch
- Home
- Renters
- Condo
- Manufactured home
- Personal property
- Pet
- Life
- Health
- Umbrella
- Travel
American Family car insurance coverage options
- Comprehensive
- Collision
- Gap/lease and loan
- Underinsured/uninsured motorist
- Bodily injury
- Medical payments
- 24/7 emergency roadside assistance
- Accident forgiveness
- Rideshare
- Auto rental reimbursement coverage
- OEM coverage
- Travel coverage
- ForeverCar (vehicle service plan)
American Family car insurance discounts
- Auto safety equipment
- Away at school
- Loyalty
- Defensive driver
- Early-bird
- Generational
- Good driving
- Good student
- Safe driving program
- Low mileage
- Multi-product
- Multi-vehicle
- Steer into savings
- Teen safe driver
- Young volunteer
States where American Family offers coverage
Company background
American Family was founded in 1927 in Madison, Wisconsin. Today it is a Fortune 500 company with more than $9 billion in revenue and over 13,000 employees. Also known as AmFam, the company offers a wide range of insurance products but doesn’t operate in every state.
