American Family Insurance Review: Rates & Coverage Options for 2026
American Family insurance rates start at $57 monthly for minimum auto coverage and $115 a month for homeowners. This American Family Insurance review explores DriveMyWay, a usage-based program that rewards good driving. You can get even more savings when you bundle AmFam auto, home, or life coverage.
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Table of Contents
Table of Contents
Published Insurance Expert
Melanie Musson, a published insurance expert, is the fourth generation in her family to work in the insurance industry. Over the past two decades, she has gained in-depth knowledge of state-specific insurance laws and how insurance fits into every person’s life, from budgets to coverage levels. She specializes in autonomous technology, real estate, home security, consumer analyses, investing, di...
Melanie Musson
Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
Laura Kuhl
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Ty Stewart
Updated June 2026
Explore our American Family insurance review covering its auto, life, farm, business, travel, and recreational vehicle insurance.
- The AmFam insurance rating is 4.0 / 5 for its competitive rates
- American Family Insurance is only available in 19 states
- American Family has fewer insurance complaints than other companies
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| Rating Criteria |  |
|---|---|
| Overall Score | 4.0 |
| Business Reviews | 4.0 |
| Claims Processing | 4.8 |
| Company Reputation | 4.5 |
| Coverage Availability | 3.9 |
| Coverage Value | 4.0 |
| Customer Satisfaction | 2.0 |
| Digital Experience | 4.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 3.8 |
| Plan Personalization | 4.5 |
| Policy Options | 3.4 |
| Savings Potential | 4.2 |
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 Policies 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| Protection | What it Covers |
|---|---|
| Accidental Death | Death or serious injury from crash |
| Accident Forgiveness | Keeps rates from rising after first accident |
| Collision | Damage to your car from a crash |
| Comprehensive | Theft, weather, and non-crash damage |
| Gap Insurance | Difference between loan and car value |
| Liability | Injuries and damages to others |
| Medical Payments (MedPay) | Medical bills for you and passengers |
| New Car Replacement | Replaces car if totaled early on |
| Personal Injury Protection (PIP) | Medical costs and lost income |
| Rental Reimbursement | Rental car during repairs |
| Roadside Assistance | Towing, jump-starts, flat tire |
| Uninsured/Underinsured Motorist | Costs if other driver lacks coverage |
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 covers new car replacement if you total a brand new model, but the coverage is automatically removed after the first year renewal.
Jeff Root Licensed Insurance Agent
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| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $62 | $166 |
 | $87 | $228 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $141 |
 | $32 | $84 |
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 Car 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| Company | Excellent (800+) | Good (670-799) | Fair (580-669) | Poor (<580) |
|---|---|---|---|---|
| $66 | $88 | $126 | $188 |
| $72 | $96 | $138 | $205 |
| $78 | $104 | $150 | $225 |
| $58 | $76 | $108 | $158 |
| $82 | $110 | $162 | $238 |
| $70 | $94 | $134 | $198 |
| $68 | $92 | $130 | $192 |
| $64 | $84 | $118 | $170 |
| $74 | $100 | $142 | $210 |
| $52 | $70 | $96 | $140 |
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.
What Men & Women Pay for AmFam Coverage at Different Ages
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 $620 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.
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 65, your AmFam quote should level off at approximately $60 a month. Enter your ZIP code to compare costs in your area.
AmFam Premiums for Safe vs. High-Risk Drivers
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| Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $62 | $73 | $94 | $104 |
| $87 | $103 | $124 | $152 |
| $76 | $95 | $109 | $178 |
| $43 | $56 | $71 | $129 |
| $96 | $116 | $129 | $178 |
| $63 | $75 | $88 | $112 |
| $56 | $74 | $98 | $75 |
| $47 | $53 | $57 | $65 |
| $53 | $72 | $76 | $123 |
| $32 | $36 | $42 | $58 |
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.
AmFam vs. Competitors: Classic Car Insurance Monthly Rates by Coverage| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $28 | $76 |
 | $24 | $68 |
| $31 | $82 |
| $36 | $95 |
| $22 | $61 |
| $39 | $102 |
| $29 | $78 |
| $23 | $64 |
| $25 | $69 |
| $30 | $81 |
Your rates will vary depending on the condition, make, and model of your classic auto. Compare quotes online to see average costs in your area and get a fair rate.
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.
Loyal riders with both auto and motorcycle insurance instantly qualify for a deductible waiver if their vehicles collide with each other, and riders can also choose to add:
- Accidental Death & Dismemberment: This provides extra funds for funeral or recovery care if you are killed or dismembered in a motorcycle collision.
- Gap Coverage: This pays the difference on your loan if you wreck and total a brand new motorcycle before it’s paid off.
- Roadside Assistance: Pays to tow your bike if you break down, and also covers tire replacement and locksmith services.
- UM/UIM Insurance: Uninsured/underinsured motorist protection covers damages caused by a driver without adequate or any insurance.
Adding additional coverage can raise your motorcycle insurance rates. American Family isn’t the cheapest provider, but its rates are competitive.
Full coverage with AmFam is the same price as Geico and Travelers and cheaper than Farmers and Allstate.
AmFam vs. Competitors: Motorcycle Insurance Monthly Rates| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $85 | $170 |
| $95 | $185 |
| $98 | $190 |
 | $80 | $170 |
| $90 | $175 |
 | $88 | $172 |
| $76 | $160 |
| $82 | $165 |
| $86 | $170 |
| $78 | $162 |
The cheapest motorcycle insurance companies are USAA and Progressive. Enter your ZIP code to see the cheapest providers in your area.
Their rates may be lower, but American Family has better claims service than Progressive and is more widely available to riders who aren’t in the military.
Learn More: Cheapest Vehicles to Insure
American Family RV Insurance Review
AmFam offers liability and full coverage for RV owners. Full coverage RV insurance with American Family comes with personal property, pet, and medical expense coverage.
RV drivers can also customize coverage with additional policies depending on how they use their camper:
- Custom Parts Coverage: Full coverage policies include up to $1K for custom equipment and add-on parts, like awnings and bike racks, and you can increase limits to $50K.
- Roadside Assistance: Covers towing, tire and battery replacements, locksmith services, and more when you’re stranded after a breakdown.
- Uninsured/Underinsured Motorist: Pays for damages caused by a hit-and-run driver, uninsured driver, or a driver without adequate coverage.
- Vacation Expense Coverage: Covers hotels and lodging if your RV is damaged while you’re on vacation. It includes rental car insurance if you’re unable to use your vehicle.
American Family automatically includes many of its add-ons with its full coverage plans, and policyholders can increase limits for a higher premium rate.
Owners who avoid filing RV insurance claims are eligible for diminishing deductibles up to $500.
A standard auto policy typically does not cover living spaces, personal belongings, or campsite-related risks. RV coverage fills those gaps with protections tailored to how the vehicle is actually used.
Dani Best Licensed Insurance Agent
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.
Minimum coverage with AmFam is one of the most affordable at $25 a month, and its full coverage rates are as competitive as Progressive and Travelers.
AmFam vs. Competitors: RV Insurance Monthly Rates| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $25 | $105 |
| $28 | $115 |
| $30 | $120 |
| $20 | $95 |
| $27 | $110 |
| $26 | $108 |
| $22 | $100 |
| $21 | $98 |
| $24 | $102 |
| $19 | $90 |
USAA is the cheapest RV insurance company, but it’s only available to military members. American Family remains competitive for most drivers without military affiliation, and its rates could be lower in your state when you compare online.
Always compare multiple auto insurance companies for RVs, campers, and trailers to see how and if AmFam is the right provider for you.
American Family Boat & Watercraft Insurance Review
Standard boat insurance from American Family includes vessel coverage, liability insurance, and medical expense coverage. Replacement cost and agreed-value policies are both available.
AmFam extends its boat insurance to houseboats, non-motorized water equipment, jet skis, and other personal watercraft:
- Fuel Spill Cleanup: Full coverage policies include up to $10K for oil or fuel spill cleanup.
- On-Water Service: Boat owners with full coverage get up to $500 in on-water service for breakdowns.
- Personal Items Coverage: AmFam includes up to $3K for personal items damaged on board
Boat owners can increase these limits for a higher premium, but with base rates starting at $100 a month, full coverage add-ons and increased policy limits are affordable with American Family.
Most boat insurance companies charge over $105 monthly for full coverage policies. Geico and USAA are the cheapest at around $90 per month.
AmFam vs. Competitors: Boat Insurance Monthly Rates| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $55 | $100 |
| $60 | $110 |
| $65 | $115 |
| $40 | $90 |
| $58 | $105 |
| $57 | $102 |
| $52 | $98 |
| $48 | $95 |
| $54 | $100 |
| $45 | $92 |
What AmFam includes in its full coverage at this price is what makes it stand out from the competition, with built-in coverages and highly rated customer service that make customizing coverage easy.
Comparing free boat insurance quotes online is the best way to see how American Family stacks up in your state.
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| Company | Program | Savings | System |
|---|---|---|---|
| Drivewise | 40% | Mobile App |
| DriveMyWay | 35% | Mobile App |
 | TrueRide | 30% | Mobile App |
 | YourTurn | 30% | Mobile App |
 | RightTrack | 30% | Plug-in Device |
| SmartRide | 40% | App or Device |
| Snapshot | 30% | Mobile App |
| Drive Safe & Save | 30% | App or Device |
 | TrueLane | 40% | Mobile App |
| IntelliDrive | 30% | Mobile App |
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.
Lower Rates With Discounts on AmFam Vehicle Insurance
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| Discount | |
|---|---|
| Auto Pay & Paperless | 4% |
| Bundling | 25% |
| Defensive Driving | 10% |
| Early Bird | 10% |
| Good Student | 20% |
| Low Mileage | 20% |
| Loyalty | 18% |
| Multi-Vehicle | 20% |
| Safe Driver | 18% |
| Steer Into Savings | 7% |
| Usage Based | 20% |
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.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
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.
However, it has fewer home insurance discounts, making it even more important to compare AmFam homeowners insurance quotes against other companies. See which providers stand out with our guide: How to Compare Home Insurance Quotes
Homeowners Insurance 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| Protection | What it Covers |
|---|---|
| Dwelling | Damage to your home’s structure |
| Equipment Breakdown | Home systems and appliances |
| Flood Insurance | Flood and flash flood damage |
| Identity Theft Protection | Costs from identity fraud |
| Other Structures | Sheds, fences, detached buildings |
| Loss of Use | Temporary living expenses |
| Personal Liability | Injuries or damage to others |
| Personal Property | Belongings from theft or damage |
| Pet Insurance | Vet bills from covered incidents |
| Roof Damage | Roof repair or replacement |
| Scheduled Personal Property | High-value items like jewelry or art |
| Water Backup | Sewer or sump pump damage |
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.
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| Company | $200K | $300K | $400K | $500K |
|---|---|---|---|---|
| $108 | $136 | $168 | $202 |
| $118 | $148 | $182 | $220 |
 | $120 | $150 | $185 | $225 |
| $110 | $138 | $170 | $205 |
| $123 | $154 | $190 | $232 |
| $112 | $142 | $175 | $212 |
| $114 | $144 | $178 | $216 |
| $109 | $140 | $172 | $208 |
| $111 | $141 | $174 | $210 |
 | $98 | $124 | $154 | $188 |
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.
American Family Condo Insurance Review
AmFam condo insurance works much like its homeowners insurance. It includes coverage for the dwelling, personal property, living expenses, liability, and medical bills.
American Family also offers a short list of add-ons for condo owners to protect against less common claims, like:
- Hidden Water Damage: Covers damage caused by accidental leaks in plumbing or from appliances.
- Home Business Coverage: Applies if you work from home or run a small business out of your condo.
- Personal Liability Protection: Pays legal fees and medical bills if someone is injured at your condo.
- Water Backup Coverage: Covers water damage caused by sump pump failures and sewer backup.
However, the dwelling coverage in an HO-6 condo insurance policy only covers your unit and not the entire building.
This is why premiums are much lower than American Family’s average home insurance rates.
AmFam vs. Competitors: Condo Insurance Monthly Rates by Coverage| Company | $200K | $300K | $400K | $500K |
|---|---|---|---|---|
| $50 | $65 | $80 | $95 |
| $55 | $70 | $85 | $100 |
| $58 | $75 | $90 | $105 |
| $42 | $55 | $70 | $85 |
| $54 | $68 | $83 | $98 |
| $52 | $66 | $80 | $95 |
| $50 | $64 | $78 | $92 |
| $45 | $58 | $72 | $85 |
| $48 | $62 | $76 | $90 |
| $44 | $57 | $70 | $82 |
Condo insurance starts at $50 a month, which is a few dollars more than USAA and Travelers, but costs less than Farmers and Allstate.
If you want to find the most affordable condo insurance in your neighborhood, start comparing quotes online.
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| Company | $20K | $30K | $40K | $50K |
|---|---|---|---|---|
| $35 | $38 | $40 | $42 |
| $22 | $24 | $25 | $26 |
| $18 | $19 | $20 | $21 |
| $38 | $41 | $43 | $45 |
| $29 | $31 | $33 | $35 |
| $27 | $29 | $31 | $32 |
| $32 | $35 | $37 | $39 |
| $25 | $27 | $29 | $30 |
| $24 | $25 | $27 | $28 |
| $19 | $20 | $21 | $22 |
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
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 & Access Options| Company | Premium | Program | Sales Channel |
|---|---|---|---|
| $110 | NFIP WYO | Captive agents |
| $105 | NFIP WYO | Captive agents |
| $98 | NFIP partners | Independent |
| $115 | NFIP agents | Independent |
| $120 | NFIP WYO | Captive agents |
| $102 | NFIP partner | Partner carriers |
| $108 | NFIP WYO | Captive agents |
| $112 | NFIP WYO | Captive agents |
| $125 | NFIP WYO | Captive agents |
| $99 | NFIP or private | Direct or agents |
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 on AmFam Home & Renters Coverage
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.
Top Home Insurance Discounts Offered by American Family| Discount | |
|---|---|
| Claim-Free | 12% |
| Costco Member | 10% |
| Early Purchase | 8% |
| Family Plan | 10% |
| Home Renovation | 11% |
| Loyalty Discount | 9% |
| Multi-Policy Bundle | 15% |
| Newer Home | 14% |
| Protective Device | 7% |
| Smart Home | 6% |
Combining generational savings with these homeowners insurance discounts can cut your American Family quote by 15% or more. 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 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 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.
- 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.
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.
You can also add life insurance riders to your policies that add protections for your children, accidental death, or provide accelerated death benefits after a terminal diagnosis.
American Family Life Insurance Coverage Options| Protection | What it Covers |
|---|---|
| 15-Pay Whole Life Policy | Fixed premiums paid over 15 years |
| Accelerated Death Benefit | Access part of benefits before death |
| Accidental Death Benefit | Added payout for accidental death |
| Child Life Insurance Rider | Extra life protection for children |
| Children’s Whole Life | Lifetime coverage for dependents |
| DreamSecure Senior Whole | Permanent protection for seniors |
| DreamSecure Simplified Term | Simplified plan with less screening |
| Final Expense Insurance | Coverage designed for funeral costs |
| Flexible Life Insurance | Flexible premiums & death benefits |
| Guaranteed Purchase Rider | Option to increase coverage later |
| Pay to 65 Whole Life | Lifetime coverage paid by age 65 |
| Return of Premium Rider | Refund premiums if policy expires |
| Term Life Insurance | Temporary coverage for set years |
| Universal Life Insurance | Permanent coverage with flexibility |
| Waiver of Premium Rider | Waives premiums during disability |
| Whole Life Insurance | Lifetime coverage with fixed rates |
Despite its shorter list of options, AmFam life insurance is one of the best for its flexible payment plans.
Policyholders can choose to pay all premiums in 15 years or by the age of 65, so they aren’t stuck paying hefty premiums after retirement.
Comparing Life Insurance Premiums from American Family
American Family is not the most affordable life insurance provider. While its term life and final expense premiums are competitive, its whole life coverage is on the more expensive side.
Whole life with AmFam starts at $480 a month, with universal policies averaging around $320 monthly. Compare it to the top providers in our guide: Best Life Insurance Companies
AmFam vs. Competitors: Life Insurance Monthly Rates by Policy Type| Company | Term | Whole | Universal | Final Expense |
|---|---|---|---|---|
| $52 | $480 | $320 | $85 |
| $58 | $520 | $340 | $95 |
| $60 | $540 | $350 | $100 |
| $48 | $450 | $300 | $80 |
| $56 | $510 | $335 | $92 |
| $54 | $495 | $325 | $88 |
| $50 | $470 | $310 | $85 |
| $49 | $460 | $305 | $82 |
| $53 | $485 | $320 | $87 |
| $47 | $440 | $295 | $78 |
Shoppers are likely to find better prices and more policy options with life insurance companies like State Farm or Geico.
Use our free quote comparison tool to shop for rates from life insurance companies near you.
Money-Saving Features Available With AmFam Life Insurance
American Family rewards healthy policyholders with discounts up to 23%. You can earn an additional 15% off if your medical exam results put you in a preferred rating class for coverage.
This adds up to nearly 40% off AmFam premiums automatically just for being healthy, which can help make coverage more affordable if you’re looking for a reason to buy life insurance.
Top Life Insurance Discounts Offered by American Family| Discount | |
|---|---|
| Auto-Pay | 4% |
| Existing Customer | 8% |
| Family Bundle | 10% |
| Healthy Lifestyle | 23% |
| Loyalty Discount | 8% |
| Multi-Policy | 17% |
| Multi-Product | 15% |
| No-Exam Discount | 15% |
| Paperless Discount | 2% |
| Preferred Rating | 15% |
| Simplified Underwriting | 13% |
Other American Family life insurance discounts are smaller, with only 4% for auto-pay and 2% for paying online.
However, current policyholders can stack loyalty, existing customer, and family bundle discounts, adding up to 26% additional discount.
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.
Its pet insurance covers a long list of situations, from illnesses and surgery to breed-specific genetic conditions, cancer, and behavioral therapies.
AmFam vs. Competitors: Pet Insurance Coverage Details| Company | Deductible | Reimbursement | Annual Limit |
|---|---|---|---|
| $100–$500 | 70%–90% | $5K–$20K |
| $100–$500 | 70%–90% | $5K–Unlimited |
| $100–$500 | 70%–90% | $5K–Unlimited |
| $200–$500 | 70%–90% | $5K–Unlimited |
| $100–$500 | 70%–90% | $5K–Unlimited |
| $100–$250 | 50%–70% | $2.5K–$10K |
| $100–$500 | 70%–90% | $5K–Unlimited |
| $100–$500 | 70%–90% | $5K–Unlimited |
| $100–$500 | 70%–90% | $5K–Unlimited |
| $100–$1K | 70%–90% | $2K–Unlimited |
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
Breaking Down Pet Insurance Costs From American Family
On average, pet owners pay between $30 and $100 for coverage from AmFam, depending on the type of policy.
Basic accident-only plans are the most affordable at $32 monthly, but they won’t cover illnesses or routine care.
American Family Pet Insurance Monthly Rates by Coverage Level| Plan | Coverage | Premium |
|---|---|---|
| Basic | Accident-only coverage | $32 |
| Standard | Accident & illness ($5K limit) | $55 |
| Enhanced | Accident & illness ($10K–$15K) | $72 |
| Premium | High coverage (Unlimited limit) | $98 |
| Wellness Add-On | Routine care (optional) | $18 |
You’ll want a standard or enhanced plan if you have a pet with a chronic condition or want coverage for vet visits. See More: Best Pet Insurance Companies
Policyholders can choose from different coverage limits. Up to $5K comes at $55 a month, but you can add unlimited coverage for $98 month.
Those with multiple pets benefit most from AmFam’s unlimited premium pet plans, but you may want the additional peace of mind if you have an elderly pet or a furry friend with a genetic condition.
Start shopping around for multiple quotes to see if these rates are higher or lower than those of companies in your area.
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American Family Business Insurance Review
American Family covers business properties and inventories, liability, workers’ comp, and loss control services for a safer work environment.
It also offers custom business policies for landlords, contractors, and retail stores, which many self-employed and startup business owners praise in AmFam business insurance reviews.
American Family Commercial Insurance Coverage Options| Protection | What it Covers |
|---|---|
| Accounts Receivable | Replaces income from unpaid bills |
| Business Interruption | Covers losses during shutdowns |
| Business Owner’s Policy | Combines property and liability |
| Commercial Auto | Covers company vehicles & crashes |
| Commercial Crime | Protects against theft and fraud |
| Commercial Property | Covers buildings and equipment |
| Contractor Equipment | Protects tools and machinery |
| Cyber Liability | Covers breaches and cyberattacks |
| Data Recovery | Restores lost business records |
| Employment Liability | Covers workplace-related claims |
| Equipment Breakdown | Pays for broken equipment repairs |
| General Liability | Covers injuries and damages |
| Inland Marine | Covers tools moved between sites |
| Product Liability | Covers claims from faulty goods |
| Professional Liability | Covers mistakes in client work |
| Rental Property | Covers damage to rental units |
| Spoilage Coverage | Covers losses from spoiled goods |
| Umbrella Liability | Adds coverage above policy limits |
| Workers’ Compensation | Covers injuries and lost wages |
Policyholders can further customize coverage with add-ons for umbrella coverage, business autos, cyber liability, and commercial flood insurance.
Many business owners choose AmFam for its local agents, who can help set up your policies and advise on the best types of coverage.
Check Out Our Article: Homesite Insurance Review
AmFam Commercial Auto 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.
AmFam vs. Competitors: Commercial Insurance Monthly Rates by Liability Limits| Company | $300K | $500K | $750K | $1M |
|---|---|---|---|---|
| $182 | $230 | $292 | $355 |
 | $165 | $210 | $265 | $325 |
| $195 | $245 | $310 | $380 |
| $190 | $240 | $305 | $372 |
| $170 | $215 | $270 | $330 |
| $205 | $260 | $330 | $405 |
| $180 | $228 | $290 | $350 |
| $175 | $220 | $280 | $340 |
| $188 | $238 | $300 | $365 |
| $158 | $200 | $252 | $305 |
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.
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%.
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
Member-based insurance like CONNECT can unlock exclusive benefits that standard policies don’t offer, but weigh savings against the membership fees. The best approach is to compare total annual costs, not just the headline premium.
Aaron Englard Insurance Premium Auditor
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 Farm Insurance Review
American Family farm and ranch insurance protects personal property, machinery, and crops. Farmers can also add hazard insurance for livestock.
Farm policies from AmFam include both dwelling coverage for your home and outdwelling coverage for the barn, sheds, chicken coops, and any other listed property.
AmFam vs. Competitors: Farmowners Insurance Coverage Options| Company | Policy Type | Options | Best for |
|---|---|---|---|
| Farm & Ranch | Property, liability, livestock | Full protection |
| Farm & Ranch | Property, liability, equipment | Custom farms |
| Farm & Ranch | Property, liability, machinery | Flexible plans |
| Partner-based | Liability, basic property | Basic coverage |
| Farm & Ranch | Property, liability, equipment | Add-ons |
| Farm & Ranch | Property, liability, income | Comprehensive |
| Partner-based | Liability, basic add-ons | Budget plans |
| Farm & Ranch | Property, liability, equipment | Local agents |
| Farm & Ranch | Property, liability, equipment | Broad coverage |
| Limited (partners) | Property, liability only | Military |
AmFam offers multiple types of farm insurance add-ons, including income protection and loss control coverage for severe weather.
American Family is missing key coverages for farm equipment. If that’s something you need, shop online with our free comparison tool to find the right farm insurance.
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.
American Family Travel Insurance Coverage Options| Protection | What it Covers |
|---|---|
| Accidental Death | Pays added benefits after accidents |
| Baggage Delay | Reimburses delayed travel essentials |
| Baggage Loss | Replaces stolen or missing luggage |
| Emergency Medical | Covers illness and injuries abroad |
| Global Assistance | Offers 24/7 emergency travel help |
| Medical Evacuation | Covers transport to nearby hospitals |
| Missed Connection | Covers costs from missed transfers |
| Rental Car Damage | Covers damage to rental vehicles |
| Travel Delay | Covers meals and hotel expenses |
| Trip Cancellation | Reimburses prepaid canceled trips |
| Trip Interruption | Pays costs from shortened travel |
However, coverage is only available short-term, lasting just as long as your trip, and premiums can fluctuate based on current travel market costs.
Unless you are already an existing AmFam customer, buying travel insurance as needed from a rental company or travel agent may be more affordable.
Read More: Best Travel Insurance Companies
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| Agency | |
|---|---|
 | Score: A Excellent Financial Strength |
 | Score: A+ Excellent Business Practices |
 | Score: 78 / 100 Positive Customer Feedback |
 | Score: 692 / 1,000 Avg. Satisfaction |
 | Score: 0.77 Fewer Complaints Than Avg. |
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.
Its J.D. Power ratings do suggest potential for improvement in consumers’ overall experience, but these reviews are regional and based on experiences wth local agents.
For instance, AmFam ranks above average for service and claims in the Central U.S., while policyholders out West in Idaho and Arizona have more complaints.
Since American Family relies on its local agents, it’s even more important to read local reviews from customers in your state. Find better coverage and rates in our guide: How to Compare Auto Insurance Companies
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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.
It’s not the perfect match for high-risk drivers, and its coverage is limited to only 19 states and Washington, D.C.
However, its financial stability and customer satisfaction ratings make it a trustworthy selection for households that need multiple types of insurance.
American Family home insurance is very competitive, with rates as low as $115 per month.
Kristine Lee Licensed Insurance Agent
AmFam also offers a wide variety of insurance options, including commercial and farm coverage, making it possible for customers with multiple lines of coverage to qualify for bundling discounts of 25% or more.
Unlock bundling savings with local providers today with our free quote comparison tool.
Frequently Asked Questions
Is American Family Insurance a good company?
Yes, American Family Mutual Insurance Company is a solid option, especially if you’re a safe driver or bundle policies. Many customers appreciate the low monthly rates, which average around $166 a month for full coverage.
How are American Family home insurance reviews?
Homeowners policies receive favorable ratings for bundling discounts and extended dwelling coverage, though claims response times can vary by region.
For example, when comparing American Family vs. Amica home insurance, Amica policyholders have better claims service. Find Out More: Amica Insurance Review
Does American Family Insurance pay claims well?
While some delays may occur, most users report positive outcomes and reliable support. When it comes to comparing regional providers like American Family vs. Erie, Erie Insurance reviews usually rank higher.
Are American Family Insurance Google reviews generally positive?
You’ll see mixed to positive Google reviews, often praising helpful agents and DriveMyWay discounts. Still, some reviewers mention rate increases after policy renewals.
How reliable are American Family Insurance reviews on BBB?
According to the Better Business Bureau (BBB), you can expect reliable service and strong financial backing. However, unresolved claims or billing issues may be reflected in lower star ratings. Related: Worst States for Filing Auto Insurance Claims
Is American Family Insurance expensive compared to other providers?
No, American Family’s monthly rates are often affordable, around $166 per month for full coverage auto, and starting at $115 monthly for home insurance. Enter your ZIP code to see how quotes compare in your area.
Who has better roadside assistance, AAA or American Family Insurance?
Both providers offer the same roadside help. AmFam has lower rates, while AAA roadside assistance requires an annual membership fee. Comparing AAA vs. American Family roadside plans comes down to whether you want the additional membership perks that come with AAA, including rental cars and travel discounts.
What types of insurance does American Family offer?
You can purchase multiple types of coverage from American Family, including auto, home, renters, life, and business insurance, all tailored to your specific needs. Learn More: 8 Types of Home Insurance
How does American Family vs. State Farm compare for coverage and cost?
AmFam typically offers lower monthly rates for safe drivers, while State Farm provides broader availability and slightly better digital tools. Read our guide for a deeper State Farm vs. American Family comparison: State Farm Insurance Review
Is American Family life insurance highly rated?
According to American Family life insurance reviews, it isn’t rated as the most trusted overall. Is American Family the number one life insurance company in the U.S.? No, but it maintains strong trust scores for reliability, particularly among families. You can compare the top companies near you with our free online quote tool.
Is American Family a high-risk auto insurance company?
How does American Family vs. Liberty Mutual Insurance compare?
Does American Family Insurance offer health insurance?
What company owns American Family Insurance?
Is American Family Insurance a good company to work for?
What is American Family Life Insurance ranked?
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