American Family Insurance Review for 2026

Explore our American Family insurance review covering its auto, life, farm, business, travel, and recreational vehicle insurance.

American Family is most well-known for its affordable insurance rates. Minimum auto coverage starts at $57 a month for older drivers, while home insurance starts at $115 monthly for $250K.

Homeowners benefit from American Family’s extended dwelling coverage and new home savings. Compare Now: American Family vs. Travelers Insurance Review

American Family Insurance Rating

Business owners and travelers can also customize coverage to meet their vehicle, property, and liability needs. However, it offers fewer policy options than the competition, especially for life insurance.

If AmFam isn’t available where you live, enter your ZIP code into our free online quote comparison tool to find local providers.

American Family Car Insurance Review

Is American Family expensive insurance? AmFam auto insurance remains competitive with low minimum rates.

Drivers praise American Family DriveMyWay, a usage-based program that rewards safe driving habits, but average car insurance premiums can still be higher when you compare American Family vs. Nationwide, Geico, or State Farm.

Other American Family car insurance reviews mention communication issues and delays when filing claims, but these vary based on region.

American Family is only sold in 19 states, and while claims satisfaction is above-average in the central United States, drivers in northern states report poor service. Check AmFam rates and reviews by ZIP code to see if it’s the right choice in your area.

Read More: Is it bad to cancel car insurance?

Car Insurance Policy Options From American Family

American Family Mutual Insurance offers a wide range of popular coverage options that go beyond standard liability and collision protection.

Drivers can customize policies with add-ons like accident forgiveness and rental reimbursement, which keeps you on the road while your vehicle is in the repair shop after a claim.

American Family Auto Insurance Coverage Options

Policies providing longer financial protection include gap insurance for new cars and leased models.

MedPay or PIP are state-specific choices that cover medical costs for you and your passengers regardless of fault.

American Family also provides vehicle-specific auto policies for ATVs, motorcycles, snowmobiles, and more, and remains a leading company for drivers who own and use different types of vehicles.

Overall, AmFam stands out for its flexible mix of core protections and optional add-ons that let policyholders build coverage around their needs.

Learn More: Auto Insurance Guide

AmFam Car Insurance Premiums for Different Policies

Why is American Family Insurance so expensive? Always compare American Family insurance quotes for both minimum and full coverage against other top providers to see which is the cheapest in your area. Enter your ZIP code to start now.

For example, when you put American Family vs. USAA side-by-side, USAA leads with the lowest rates for minimum coverage at half the price of AmFam.

AmFam vs. Competitors: Auto Insurance Monthly Rates by Coverage

However, USAA is only available to military members and their families. American Family car insurance is still cheaper than Farmers and Nationwide.

American Family ranks among the cheapest full coverage auto insurance companies at $166 per month, which costs $80 less per month than Liberty Mutual vs. American Family and $60 less than Allstate vs. American Family.

Credit Rating & American Family Auto Insurance Prices

American Family, like many insurers, uses credit scores to predict the likelihood of claims. Drivers with stronger credit tend to receive lower rates because they are statistically associated with fewer claims.

Premiums do go up as credit drops, so if your credit is still improving, consider bundling and qualifying for safe driver and low-mileage discounts to offset higher rates.

AmFam vs. Competitors: Auto Insurance Monthly Rates by Credit Score

AmFam auto insurance remains affordable for drivers with lower scores, costing less than Allstate and Progressive at $188 monthly. Get More Quotes: Allstate vs. Geico Insurance Review

Over time, paying bills and premiums on time will improve your score and lead to better rates at renewal. Use our free comparison tool to shop for affordable coverage as you work on your credit.

How Age & Gender Impacts AmFam Car Insurance Costs

Monthly rates for American Family auto insurance are broken down by age, gender, and coverage level. Teenagers spend the most, particularly teen males who pay $726 per month for full coverage.

Usually, women get somewhat lower American Family insurance rates than men because they’re less likely to get into serious accidents.

American Family Auto Insurance Monthly Rates by Coverage Level

Car insurance for new drivers will always be more expensive, but AmFam offers good student and generational discounts to help lower teen insurance costs.

As one ages, rates slowly decline. By age 60, your AmFam quote should level off at approximately $150 a month. Enter your ZIP code to see how costs compare in your area.

How AmFam Premiums Change With Driving History

Auto insurance for good drivers qualifies for the cheapest rates available. For drivers with no offenses, American Family charges $62 monthly for minimum coverage.

Premiums start to climb with speeding violations to $73 a month, and at-fault accidents raise minimum rates to $94 monthly. AmFam remains affordable when comparing American Family vs. Farmers or Liberty Mutual.

AmFam vs. Competitors: Auto Insurance Monthly Rates by Driving

If you have a DUI, the amount increases to $104 a month. These premiums are higher when comparing American Family vs. Progressive or State Farm, but AmFam is still $25-$75 less per month than most companies.

Your personal American Family auto insurance quote could be higher depending on the number of offenses on your record, so shop around for cheap auto insurance for high-risk drivers to find more competitive rates.

Drivers with multiple offenses may want to shop with insurers who specialize in high-risk coverage to get the best cheap rates.

You could get better quotes by comparing American Family vs. Infinity, Kemper, The General, or other nonstandard insurers. See More: The General Auto Insurance Review

Comparing American Family Classic Auto Policies

One thing drivers like in American Family car insurance reviews is its classic and collector car policies. AmFam classic car insurance comes with unlimited mileage and zero-deductible windshield repairs.

American Family does have stricter driving restrictions than other classic auto insurance companies, so shop around to find the right policy.

American Family Motorcycle Insurance Review

Like its auto policies, AmFam motorcycle coverage offers minimum liability, collision, and comprehensive policies. Riders can choose to add gap coverage, UM/UIM, roadside assistance, and accidental death and dismemberment insurance.

Loyal riders with both auto and motorcycle insurance qualify for a deductible waiver if their vehicles collide with each other.

Learn More: Cheapest Vehicles to Insure

American Family RV Insurance Costs and Coverage

RV coverage with AmFam offers liability and full coverage, plus personal property, pet, and medical expense coverage.

Full coverage RV insurance with American Family also comes with custom parts and vacation expense coverage, which includes rental car insurance if you’re uable to use your vehicle.

American Family insures many different types of RVs as well, from mobile homes to fifth wheel and mounted truck campers.

Our online quote tool can connect you with the RV policy you need.

American Family Boat & Watercraft Insurance Comparison

Standard boat insurance from American Family includes vessel coverage, liability insurance, and medical expense coverage. Replacement cost and agreed-value policies are both available.

Policies also include up to $10,000 for oil or fuel spill cleanup, up to $500 in on-water service coverage, and up to $3,000 for personal items, which owners can increase for a higher premium.

AmFam extends boat insurance to houseboats, non-motorized water equipment, jet skis, and other personal watercraft.

Get Lower Rates with AmFam Vehicle Insurance Discounts

The top American Family Insurance discount programs are highlighted in this table. The best savings are found by bundling policies and insuring multiple vehicles.

Small steps, such as registering early or setting up autopay, can significantly reduce your monthly rate.

Top Auto Insurance Discounts Offered by American Family

Many American Family reviews note that most of its car insurance discounts are competitive, but its usage-based and defensive driving discounts aren’t as big as the competition.

There is a long American Family Insurance discounts list, so explore more of the top car insurance discounts you can’t miss that reward good grades, early sign-up, and clean driving records, helping you cut your monthly American Family insurance quote.

American Family Usage-Based Insurance Review

American Family offers two types of pay-as-you-go car insurance designed to reward low-risk and low-mileage drivers. Signing up can lower your average American Family auto quote.

AmFam DriveMyWay is a usage-based insurance (UBI) plan that tracks driving behavior and allows drivers to earn discounts for safe habits. You can save up to 20% on your rates, but other providers offer larger discounts.

Top Usage-Based Auto Insurance (UBI) Programs

DriveMyWay uses a mobile app to track drivers, which can be less accurate than a plug-in device and can raise your American Family car insurance quote.

Many AmFam auto insurance reviews state that the app can’t always distinguish who is actually driving and can track habits when you’re just the passenger.

If you don’t want an app tracking you, AmFam also offers a pay-per-mile insurance alternative called MilesMyWay. It tracks monthly mileage to set premiums based on how often policyholders actually drive.

It charges a base rate of around $32 monthly, plus five cents per mile. This type of policy works best for drivers on the road less than 8,000 miles a year, but AmFam won’t penalize drivers for going over.

American Family Home Insurance Review

When it comes to homeowners insurance coverage, American Family is cheaper than the most popular companies like Geico and State Farm. Policies start at $115 a month for $250K.

However, home insurance pricing is heavily influenced by localized risks. Areas prone to wildfires, severe storms, or tornadoes often see higher premiums, while regions with frequent flooding may require additional endorsements.

Homeowners in lower-risk areas or those who take mitigation steps, such as installing storm-resistant features or wildfire defenses, will often get a lower AmFam insurance quote and qualify for up to an 8% discount.

How Policy Level Impacts AmFam Home Insurance Costs

Our American Family review for home insurance finds more competitive rates than its auto coverage. USAA is the cheapest, but only available to military members. Get More Details: Best Home Insurance for Veterans

AmFam only costs around $10-$11 more per month than USAA for the same levels of coverage. It’s $12-$15 cheaper a month when comparing Farmers vs. American Family.

AmFam vs. Competitors: Home Insurance Monthly Rates by Coverage

American Family vs. Geico home insurance prices are about the same, aligning AmFam with the cheapest homeowners insurance companies in the U.S.

To get the best rates, compare your American Family quote against the top companies in your state. Enter your ZIP code for free quotes from local companies.

Comparing American Family Condo Insurance Premiums

AmFam condo insurance works much like its homeowners insurance. It includes coverage for the dwelling, personal property, living expenses, liability, and medical bills.

However, the dwelling coverage in an HO-6 condo insurance policy only covers your unit and not the entire building.

Homeowners Insurance Coverage Available with AmFam

Standard homeowners policies with AmFam typically feature dwelling coverage for the home itself and personal property protection for items like furniture and electronics. Important Details: 8 Types of Home Insurance

Popular add-ons let homeowners customize their protection with options like equipment breakdown coverage, hidden water damage protection, roof coverage, and pet insurance.

American Family Home Insurance Coverage Options

You can add pet coverage to an existing homeowners policy to cover vet bills if your pet is injured in a claim, such as a house fire or flood.

Pet policies aren’t available with every provider, and this home insurance add-on makes American Family stand out from the competition with coverage that protects all of your family members.

Getting Flood Insurance With American Family

American Family flash flood coverage pays for damage to your home and personal belongings and covers debris cleanup, storage, and living expenses if you’re unable to live in your home.

All insurers work with the National Flood Insurance Program (NFIP) to provide coverage, but some offer more flexibility with WYO or write-your-own policies.

AmFam vs. Top Competitors: Flood Insurance Monthly Rates & Policies

AmFam offers WYO coverage, allowing local agents to customize flood insurance based on where you live.

It’s one of the more expensive providers at $110 a month, but it’s more affordable than other WYO companies like State Farm and Nationwide.

Save Money with AmFam Home Insurance Discounts

The discounts that make American Family stand out are its loyalty savings, which increase with each renewal. New policyholders also earn a generational discount if their parent currently has home or auto coverage with AmFam.

Combining generational savings with these homeowners insurance discounts can cut your American Family quote by 15% or more.

• Home Security System: Smart homes with security systems you can monitor from your phone qualify for the biggest American Family discounts.
• New Home: The age of your home can earn you a discount, with newer homes saving up to 10% on coverage.
• Renovated Home: If you recently updated your home or upgraded any safety systems, ask an AmFam agent about this discount to save 8%.

The downside is that American Family’s homeowner discounts are smaller when compared to other companies.

For instance, the smart home security discount only saves an average of 5%. Read More: Best Home Insurance Discounts

American Family also has fewer home insurance discounts, making it even more important to compare AmFam homeowners insurance quotes against other companies that may offer more and bigger savings.

See which providers stand out in your state with our guide: How to Compare Home Insurance Quotes

American Family Renters Insurance Review

Unlike homeowners insurance, renters insurance doesn’t cover the dwelling or building structures. That’s your landlord’s responsibility. Instead, it covers personal items, liability, and loss of use.

Our AmFam renters insurance review finds that its renters policies stand out by combining these core protections with customizable add-ons such as credit monitoring and identity theft protection.

• Personal Liability Coverage: AmFam breaks up its personal liability insurance for renters into two parts: Coverage E applies to medical costs, and Coverage F applies to legal costs.
• Personal Property Coverage: This helps pay to repair or replace your personal items, including furniture, electronics, jewelry, clothing, and appliances.
• Loss of Use Coverage: Known as Coverage G, this covers hotels and other expenses if your rental is unlivable after a claim or during repairs.

Renters policies are priced based on the value of personal belongings and liability limits rather than the full replacement cost of a property.

American Family offers renters coverage up to $35K, but will extend personal property limits to $50K and personal liability to $1 million with endorsements.

Typically, premiums are relatively low, except that AmFam is one of the more expensive renters insurance companies, costing $10 more a month than Nationwide and State Farm. Find cheaper coverage near you with our free online quote tool.

You can get lower rates with a bundling discount by getting a renters coverage quote when you get an American Family Insurance auto quote.

AmFam vs. Competitors: Renters Insurance Monthly Rates by Coverage

Its higher price point does provide additional perks. For instance, AmFam’s diminishing deductible program reduces your out-of-pocket costs for staying claim-free.

See how American Family renters insurance reviews compare in our guide: Best Renters Insurance Companies

Review of CONNECT by American Family Insurance

CONNECT home and auto insurance is a program available exclusively to Costco members. Costco members receive built-in discounts with their membership number.

Executive Members may get extra perks like lifetime renewability, home lockout assistance, and windshield repair deductible waivers. Read our guide for details: Costco Insurance Review

While the American Family Insurance Company brand is associated with CONNECT, underwriting and coverage options can vary by state.

Costco members also can’t access all of AmFam’s policies with their membership and are limited to just home and auto coverage.

American Family Life Insurance Review

If you read any American Family life insurance review, you’ll find that it’s less competitive, only offering two types of term life and one type of whole life insurance.

The plus side is that AmFam includes many policy perks that most providers charge extra for. Compare its whole vs. term life insurance options to see what’s included:

• DreamSecure Whole Life: Lifelong coverage with fixed premiums that stay the same as health changes and you get older, and you can choose to pay the policy in full in 15 years.
• DreamSecure Choice Term: Available in 10-, 15-, 20-, or 30-year terms and up to $750,000 in coverage with convertible options.
• DreamSecure Simple Term: This plan is the same as AmFam Choice Term life insurance, but applicants aren’t required to take a medical exam.

Both of American Family’s term life insurance options automatically include convertible terms, meaning you can change coverage to a permanent policy once the term ends.

Compare it to the top providers in our guide: Best Life Insurance Companies

American Family Pet Insurance Review

Along with its home insurance add-on, you can also buy a separate pet health insurance policy from AmFam to pay for surgery or chronic conditions. See More: Best Pet Insurance Companies

Its pet insurance covers a long list of situations, from illnesses and surgery to breed-specific genetic conditions, cancer, and behavioral therapies.

Many providers won’t cover certain breeds or genetic disorders, so AmFam is a solid choice for breeders and those with luxury pets.

American Family does require a 14-day screening period before coverage starts. Compare more pet insurance companies in the meantime: Best Pet Insurance for Cats & Best Pet Insurance for Dogs

American Family Business Insurance Review

American Family covers business properties and inventories, liability, workers’ comp, and loss control services for a safer work environment.

AmFam Commercial Car Insurance Comparison

Commercial auto insurance costs more than a personal policy because business policies are underwritten by a liability limit rather than minimum and full coverage.

American Family isn’t the cheapest option. It costs almost $30 more per month than USAA, and $20 more than similar regional providers like AMAX.

Commercial Auto Insurance Monthly Rates by Liability Limits

AmFam does include towing and labor coverage in its higher premium prices, as well as loading and unloading coverage if you need to move inventory to another vehicle after a collision.

Average business and commercial insurance costs will vary based on where you live, so use our quote comparison tool to find the cheapest provider in your area.

American Family Farm Insurance Review

American Family farm and ranch insurance protects personal property, machinery, and crops. It includes both dwelling coverage for your home and outdwelling coverage for the barn, sheds, chicken coops, and any other listed property.

It offers multiple types of farm insurance add-ons, including income protection and loss control coverage for severe weather. Farmers can also add hazard insurance for livestock.

American Family Travel Insurance Review

AmFam travel policies are very basic, providing globally accepted health coverage and trip cancellation insurance. It does offer convenient coverage for travel to Mexico, including auto and boat insurance that is added to your existing vehicle policies.

However, coverage is only available short-term, lasting just as long as your trip, and premiums can fluctuate based on current travel market costs.

Read More: Best Travel Insurance Companies

Other Types of Insurance AmFam Offers

American Family Insurance is well-known for providing home and auto insurance, but it has many different protection plans.

Here are other types of American Family insurance policies you can get. Policy options and discount availability will vary by state.

• ATV Insurance: Offers standard liability, collision, comprehensive, and UM/UIM policies, and you can add custom parts and safety equipment coverage.
• Landlord Insurance: AmFam home insurance for landlords provides easy access to local agents for support and customized coverage options.
• Snowmobile Insurance: Customize your policy with coverage for safety gear, medical expenses, trailers, and personal property.
• Umbrella Insurance: Offers both personal and business umbrella coverage that extends liability protection beyond standard policies.

American Family’s wide range of options allows people and families to safeguard every part of their lives or work all in one place.

You can also stack these policies with your American Family Insurance car quote for a bundling discount of up to 25%.

American Family Insurance Reviews & Ratings

With high BBB ratings, American Family customer reviews are more positive than usual, and its financial backing is stable.

What is the American Family A.M. Best rating? AmFam earned an excellent score of “A”. It isn’t the highest, but it still reflects a stable financial foundation for paying out claims.

American Family Insurance Ratings & Consumer Reviews

What about American Family Insurance reviews and complaints? The good news is that reviews from Consumer Reports and the NAIC indicate fewer complaints and high consumer satisfaction.

This Reddit post shares a positive experience with American Family Insurance. The user discussed an easy RV claim process, getting full repair costs covered, and no rate increase after the event.

However, J.D. Power proposes that there is potential for improvement in the overall experience of consumers. Find better coverage and rates in our guide: How to Compare Auto Insurance Companies

With experience in insurance work, they also said that the coverage quality matches well with their payment, making it a dependable option.

Shopping With American Family Insurance

Our American Family Insurance review is 4.0/5 because of its competitive prices for both home and auto coverage.

While it doesn’t have the cheapest car insurance, it does offer solid discount schemes, such as DriveMyWay.

Though it is not the perfect match for high-risk drivers and its coverage is limited to only 19 states, its financial stability and customer satisfaction ratings make it a trustworthy selection for households that need multiple types of insurance.

Unlock bundling savings with local providers today with our free comparison tool.