American Family Car Insurance 2020

Last modified: September 30, 2020
  • Claims 9
  • Buying 8
  • Transparency 8
  • Coverage Variety 10
  • Value For Money 8
  • OVERALL RATING 8.6
  • Financial Strength A (AM Best rating)
  • BBB Rating A+
  • Coverages 4/5
  • Flexibility Policy customization possible
  • Discounts 5/5
  • Support Email, Phone
  • User Ratings Trustpilot 3.4 stars
  • Financial Strength $833.40
  • Availability 19 states

About the Company 

American Family (AmFam) was established in 1927 by entrepreneur Herman Wittwer. What started as a small company to give insurance to farmers working in rural Wisconsin rapidly developed and became a Fortune 500 company. 

By 2019, the company had more than 10,000 employees, was doing business in 19 states, and earned almost $9 billion in revenue. 

It is also a financially strong company. American Family car insurance rating by S&P is an A. This means that the company has the potential to settle claims. 

American Family provides a wide range of coverage options and wonderful discounts that attract a large number of customers.

The company has assets worth $24,233,000 and it has recently celebrated its 90th birthday. 

Do you want to know more about the insurance company? Read on our American Family car insurance Reviews below:   

Where Is It Available 

American Family car insurance is available in only 19 states. You can find all the details about the company’s agents here.    

Types of Insurance Covered and Missed Coverage

Our American Family car insurance review 2020 shows that the company has a robust range of insurance coverage. 

Here is the list of coverage options provided by American Family:

Liability Insurance: This type of insurance covers you financially if you ever damage someone else’s property or vehicle – or injure someone with your car.

Collision Coverage: This insurance gives financial coverage if your car is damaged in an accident. 

Personal Injury Protection: This is a great type of insurance that helps you cover medical and child-care costs, or lost income if you’re injured in an accident – regardless of whose fault it was. 

Medical Expense Coverage: This insurance covers health care costs for you and your passenger if you’re injured in an accident.     

Comprehensive Coverage: This coverage financially covers you if your car is damaged in any incident apart from a collision. These events may include vandalism, theft, damage from extreme weather, or fire.

Ridesharing Insurance: This type of insurance is available to people who drive their vehicles for services such as Lyft or Uber. This is added to your personal auto policy. It insures you fully for the entire time the app is on.       

Gap Insurance Coverage: This American Family insurance will pay out if your car is totaled and is leased or has a loan balance. You will only receive the depreciated value of the car if you don’t have this coverage.    

Here are the types of insurance that the company offers for vehicles:

RV Insurance: This provides insurance coverage for your home on wheels. 

ATV Insurance: If you have an all-terrain vehicle, you can get it insured with American Family

Motorcycle Insurance: American Family has insurance plans for your motorcycles as well. 

Boat Insurance: Do you own a boat? You will be happy to know that your watercraft can easily be insured with American Family.

Insurance Offers or Extras 

Here is the list of discounts that American Family car insurance has for its employees: 

  • Loyalty discount 
  • Good driver discount 
  • Discounts for going paperless, setting up automatic payments or paying your premium in full upfront 
  • Student away at school discount 
  • Low-mileage discount (less than 7,500 miles per year) 
  • A defensive driving course completion discount  
  • Young driver’s discount (if one of your parents is an American Family customer)
  • Good student discount 
  • Discount for teen drivers – car insurance rates for a teen driver can be lowered, if he enrolls in a safe driver program.
  • Discount for drivers under age 25 who complete 40 hours of volunteer work a year for a nonprofit organization
  • Discount if you switch to American Family from another insurance provider

Customer Satisfaction and Reviews

Even though the overall American Family car insurance rating is average or below average, it fairs well on financial stability. It has a rating of A+ from BBB.  

Even though the company received fewer complaints than expected, it has an average rating.          

Platform Rating
Trustpilot 3.4 stars
Consumer Affairs 2.1 stars
BBB A+

 

Customer Support 

The company has dedicated customer service. It provides 24/7 support to customers and roadside assistance. 

 You can dial the claims phone number to file and track your claims.     

The site also has a live chat option that allows customers to ask questions and get a prompt reply.    

Ease of Use and Policy Customization 

The company has a very straightforward process. Customers can visit their official site or use the mobile app to get an American Family auto insurance quote, pay the bills, or file a claim.  

The website has all the information you need to get the right insurance plan for your car.        

AmFam has two additional apps made especially to monitor a customer’s driving habits. The gathered information later helps the drivers avail discounts on insurance premiums. 

For detailed information about the American Family online account management contact the company agents.

Pricing Review

The following is the list of average rates by state: 

State Average Monthly Rate
AZ $163.90
CO $204.33
IA $103.63
ID $108.84
IL $185.29
IN $142.43
KS $145.50
MN $130.44
MO $159.25
ND $138.25
NE $145.18
NV $331.95
OH $92.90
OR $148.41
SD $118.95
UT $190.64
WA $172.74
WI $101.28

 

Drivers who have multiple cars will get a discount if they apply for multiple car insurance. 

Here are the average rates by vehicle: 

Number of Vehicles Average Monthly Rate
1 Vehicle $143.76
2 Vehicles $191.95
3 Vehicles $281.53

 

Comparison With Competitors 

Here is a brief car insurance comparison of American Family with its competitors. Have a look:

AmFam vs GEICO 

GEICO auto insurance scores much higher in customer satisfaction. Customers say that filing a claim and getting their complaints resolved is better with GEICO. 

GEICO also scored significantly in comparison to American Family by respondents who were asked which of the two insurance companies they will recommend to their friends and family. 

In terms of financial considerations, drivers will typically save around $223 with GEICO as compared to American Family. The former is also significantly less expensive than American Family. 

However, drivers who have profiles with a DUI have found American Family to be less expensive. As compared to GEICO, American Family was $1,230 cheaper.   

AmFam vs State Farm 

As compared to American Family, State Farm auto insurance is more affordable. 

However, for driver profiles with poor credit, American Family was relatively less expensive with $470 less annually. Driver profiles with good credit paid $160 more with American Family. 

In terms of customer satisfaction, American Family cannot go ahead with State Farm. Many respondents found the latter to be better when it comes to filing a claim, complaint resolution, status update, and overall customer experience.

 Customers with State Farm were more likely to recommend the company to their friends and family and to renew their existing policies. Customers with American Family, however, didn’t have the same comments. 

AmFam vs Allstate 

Allstate Auto Insurance performed better than American Family in many categories. 

However, when it came to price, American Family got the edge. Its rates are $490 less per year as compared to Allstate’s. People with poor credit history could even have a $750 higher annual bill with Allstate.   

Pros & Cons

The Pros

  • Best rates for profiles with one DUI
  • Competitive rates and perks
  • Financially stable company

The Cons

  • Available in only 19 states
  • Customer support is not good
  • Low customers ranking

Final Verdict

American Family is a renowned name across the US. It has some of the best and most-diverse coverage plans. 

In addition to this, it offers wonderful discounts and exceptional features, including road assistance. The company is 90 years old and is unparalleled in financial stability. 

If you are looking for a credible insurance provider, this company is the right option. 

But keep in mind that according to American Family auto insurance reviews,  it may not fare well with people who give high priority to customer support.