American Family Auto Insurance Review for 2025 (Rates, Discounts, & Options)

This American Family auto insurance review highlights two key benefits: competitive rates for senior drivers, often lower than the national average, and a wide range of discounts, including up to 25% off for safe driving through programs like KnowYourDrive.

While American Family offers excellent customer service and fewer complaints compared to competitors, its rates may not be the lowest for all drivers, particularly those with poor driving records. Additionally, the company operates in just 19 states, limiting its availability.

Rating Criteria
Overall Score	4.1
Business Reviews	4.0
Claim Processing	4.8
Company Reputation	4.5
Coverage Availability	3.9
Coverage Value	4.0
Customer Satisfaction	4.0
Digital Experience	4.5
Discounts Available	5.0
Insurance Cost	3.7
Plan Personalization	4.5
Policy Options	3.4
Savings Potential	4.1

While American Family is a great choice for drivers seeking solid customer support and multiple coverage options, it’s important to compare quotes before committing. Enter your ZIP in our free quote tool to get started.

American Family Auto Insurance Rates

Since price is a deciding factor in most shoppers’ decisions, we want to break down American Family Insurance rates in our review.

Your age, marital status, driving history, credit score, and even your ZIP code all play a role in determining those car insurance rates (Read More: How Insurance Companies Calculate Your Car Insurance Rate). For any senior drivers, American Family offers rates that are often lower than the national average.

For a 45-year-old male, you’re looking at around $117 per month for a full coverage policy, while 45-year-old female counterparts get an even better deal at $115 per month.
Jump up to 60 years old, and the rates continue to impress – $106 for the gentlemen and $104 for the ladies.

However, age and gender are just two of the many factors that will determine your auto insurance rates at AmFam. Your driving record also plays a role.

DUIs and accidents will raise rates substantially at American Family, which is the norm across the auto insurance industry.

American Family Auto Insurance Rates vs. the Competition

To get a complete picture of American Family’s rates, it’s essential to compare them to the competition. See how American Family competes against other companies based on age and gender below.

Insurance Company	Age: 55 Male	Age: 55 Female	Age: 60 Male	Age: 60 Female	Age: 65 Male	Age: 65 Female
	$152	$153	$154	$150	$157	$158
	$92	$92	$89	$86	$95	$95
	$131	$132	$128	$120	$136	$136
	$76	$76	$74	$73	$78	$78
	$165	$162	$159	$148	$170	$167
	$109	$107	$104	$99	$112	$111
	$100	$106	$95	$92	$103	$109
	$82	$82	$76	$76	$84	$84
	$107	$109	$103	$101	$109	$112
	$94	$93	$90	$89	$97	$96

American Family is definitely one of the more cost-effective companies, although if you compare companies like American Family Insurance vs. State Farm, State Farm is cheaper than American Family on average.

However, average auto insurance rates by age and gender are just one aspect of cost. It’s also important to consider how driving record impacts rates at American Family versus the competition.

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$130	$155	$175	$200
	$115	$138	$160	$185
	$122	$145	$165	$190
	$110	$135	$155	$180
	$135	$158	$180	$210
	$118	$142	$162	$188
	$125	$150	$170	$195
	$120	$140	$160	$185
	$128	$150	$170	$190
	$112	$138	$158	$182

Again, American Family is not the cheapest on the market for poor driving records, but it is not the most expensive either.

Bear in mind that price is also only one part of a company; reputation, customer service, and financial strength also play important roles.

Auto Insurance Coverage Options at American Family

You can also choose from a variety of American Family auto insurance options, including gap insurance and even rideshare insurance for all the Uber and Lyft drivers out there.

And that’s not all – you can also get a diminishing deductible, new car replacement coverage, accident forgiveness, and even SR-22s if you need them (Learn More: What types of car insurance coverage does American Family offer?).

American Family Auto Insurance Discounts

American Family auto insurance discount options include its multi-vehicle discount, multi-policy discount, loyalty discount, good student discount, away-at-school discount, and early bird discount.

You can save by also buying home insurance from American Family for a bundling discount. Just make sure to read American family insurance reviews on homeowners insurance before committing.

The company also rewards safety equipment in your vehicle and offers defensive driver discounts to reward you for being responsible behind the wheel. Keep that good driving record, and you’ll score a good driving discount, too.

KnowYourDrive and TeenSafeDriver with American Family are all about using technology to your advantage and rewarding safe driving habits. These discounts can shave off a chunk of your car insurance premium – we’re talking up to 25% in some cases (Learn More: Get Low-Cost Car Insurance with Driver Discounts). Still, it’s important to shop around and compare car insurance rates from multiple companies.

Customer Reviews of American Family

While the company’s rates may not be as low as the budget-friendly options like Geico and Auto-Owners, American Family Insurance customer reviews show it shines in customer service.

American Family has the lowest volume of customer complaints among the major insurance companies. That’s right – fewer headaches and more satisfaction. However, this doesn’t mean all customers are happy, as rates can get pricy at American Family, according to American Family Insurance reviews on Reddit.

Rate hikes are one of the common complaints about American Family in American family insurance Google reviews and Reddit reviews, as well as the website crashing on AmFam customers (Read More: Why Auto Insurance Rates Go Up).

American Family Business Ratings

Several businesses, such as the NAIC, A.M. Best, and more, have rated American Family Mutual Insurance Company.

Agency
	Score: 831 / 1,000 Avg. Satisfaction
	Score: A+ Excellent Business Practices
	Score: 78/100 Positive Customer Feedback
	Score: 0.77 Fewer Complaints Than Avg.
	Score: A Excellent Financial Strength

Numbers don’t lie, and according to the National Association of Insurance Commissioners (NAIC), American Family churns out fewer complaints compared to your average car insurance company.

The NAIC rating implies that it receives fewer complaints than one would anticipate, given its size. The company has also achieved an overall good customer satisfaction score from J.D. Power. This impressive rating spans across four regions, and it’s not just good; it’s above average in three out of those four regions.

American Family insurance reviews on Consumer Reports also resulted in a good rating, so American Family scored well overall for customer satisfaction. The business practices of American Family also rated well, according to American Family insurance reviews on BBB.

If American Family isn’t available in your state, make sure to compare online car insurance quotes to save money.

Pros and Cons of American Family

American Family Insurance started as Farmers Mutual Automobile Insurance Company in 1927. American Family strongly believes that protecting dreams is just as important as pursuing them.

The company has evolved into the nation’s 12th-largest property and casualty insurance group, with a presence in 19 states and a lineup of several companies. Some of the pros of choosing American Family car insurance include:

• Coverage Options: American Family offers a great selection of options, such as roadside assistance, to its AmFam customers (Read More: How do I know if I chose the right coverages?).
• Discount Opportunities: American Family discounts can save customers up to 25% on their policy.
• Business Ratings: American Family has high ratings for financial strength, customer satisfaction, and more.

While these are great perks, this doesn’t mean American Family is perfect. It has some cons as well, such as:

• Rate Increases: American Family may unexpectedly increase rates, and its rates may not be the cheapest to begin with for some drivers.
• Limited State Availability: American Family doesn’t sell auto insurance in all 50 U.S. states, so it may not be available to purchase in your state.

American Family is a good choice for most customers, but make sure to consider the cons of American Family and get a quote before signing up.

Choosing American Family as an Auto Insurance Provider

Our American Family auto insurance review found it has competitive full coverage auto insurance rates for senior drivers, with full coverage for a 60-year-old male starting at just $106 per month. American Family also stands out for its exceptional customer service and low volume of customer complaints.

However, some cons include the possibility of unexpected rate increases, especially for drivers with poor records and limited state availability.

To ensure the best deal, it’s wise to compare quotes from multiple car insurance companies online, as prices and coverage options can vary greatly.