CarInsurance.com Insights
- American Family’s average full coverage rate is $159 per month, tied with Erie Insurance for the cheapest in our study. Only USAA, a military-exclusive carrier, was lower.
- Its offerings are particularly strong for families with teen drivers, ranking No. 2 for teen satisfaction in our study behind Erie.
- American Family is also strong for digital policy management; it offers the highly rated MyAmFam app and scored near the top of J.D. Power’s 2025 digital experience study.
American Family Insurance offers drivers more than just a catchy jingle and a highly rated mobile app. The Madison, Wis.-based insurer also offers a slew of coverage options and insurance discounts, and tied for the lowest full-coverage rates in our study: $159 per month, on average. The downside is that American Family only operates in 19 states, so if you live outside of that coverage area, you may need to find a different provider.
To help you learn whether American Family Insurance is the right insurance company for your needs, CarInsurance.com surveyed current policyholders and collected data about the company’s offerings, customer satisfaction ratings, availability and user experience.
With a CarInsurance.com rating of 4.44 out of 5 (No. 5 of the insurers we studied), American Family is a great fit for families with young drivers, those looking for affordable rates, and drivers who prioritize a satisfactory claims experience. It’s only available in 19 states, however, so it’s not the right fit for everyone.
At a glance
American Family car insurance offers the lowest rates among insurers in our study and is a strong option for families, but the trade-off is that it’s available in only 19 states.
Pros
- Easy-to-use mobile app for different scenarios.
- The DriveMyWay program can offer significant savings
- Lower-than-average customer complaints
- Wide range of available discounts
- Plenty of optional add-ons to customize your coverage
Cons
- Coverage only available in 19 states
- Low average discount value
- Accident forgiveness coverage costs extra
Who is American Family best for?
American Family is best for mobile app users, families with teen drivers and drivers who live where American Family is available.
The insurer ranked No. 5 in our Best Car Insurance Companies of 2026 study, with a score of 4.44 out of 5.
Mobile app users
American Family is a good fit for drivers who like to manage their policy and claims digitally. In J.D. Power’s 2025 U.S. Insurance Digital Experience Study, the company ranked No. 3 behind Nationwide and Amica, with a score of 715 out of a possible 1,000 points. The average was 699.
Families with teen drivers
According to our study, drivers rated American Family very highly for customer satisfaction for teen drivers, with a score of 4.36. American Family ranked second in this category, behind Erie Insurance.
Drivers in the company’s coverage areas
American Family offers coverage in the following states:
- Arizona
- Colorado
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Minnesota
- Missouri
- Nebraska
- Nevada
- North Dakota
- Ohio
- Oregon
- South Dakota
- Utah
- Washington
- Wisconsin
How much does American Family car insurance cost?
American Family’s average full coverage premiums are $159 per month, one of the cheapest in our 2026 Best Car Insurance Companies study.
| Company | Full coverage monthly cost |
|---|---|
| American Family | $159 |
| Erie | $159 |
| Auto-Owners | $171 |
| Travelers | $175 |
| GEICO | $179 |
| Auto Club Group (AAA Midwest/South) | $185 |
| Nationwide | $205 |
| Progressive | $223 |
| Amica | $231 |
| State Farm | $239 |
| Auto Club Enterprises (AAA SoCal) | $243 |
| CSAA Insurance Group (AAA NorCal/NV/UT) | $251 |
| Farmers | $257 |
| Allstate | $267 |
| Mercury | $270 |
| USAA* | $131 |
*USAA is only available to military community members and their families. National full-coverage average: $2,578/year ($215/month), Quadrant Information Services, 2026.
I visited the American Family website to request a quote. I have multiple drivers in my family, and our insurance premiums are becoming increasingly expensive.
On the next screen, American Family requests additional information, including name, date of birth, marital status and the desired effective date of coverage.
American Family will also ask whether your vehicle is customized or a replica and whether it has unrepaired damage. I answered no to all three.
On the next screen, American Family’s online quote tool listed multiple vehicles associated with the address provided. I was able to choose which vehicle I wanted to insure: A 2025 Subaru Outback.
I had the option to receive a multi-vehicle discount if I insured more than one vehicle.
I was pleased with the ease of getting a detailed quote from American Family. The tool was so effective that it retrieved the names of the current residents at the provided address.
It’s worth noting that American Family’s average rate of $159/month is well below the national full-coverage average of $215/month ($2,578/year) per Quadrant 2026 rate data. In fact, it’s about 26% cheaper, or roughly $670 less per year.
Sophie’s Tip
Compare American Family’s $159 against your current full-coverage rate before you switch — a low rate only matters if it beats what you pay now.
Speak with a friendly agent and get your quote in minutes!
American Family discounts and savings
Bundling your home and auto policies could save you up to 40%, while the DriveMyWay usage-based program can save up 10% to 35%. When I went through the quote process, American Family offered me a multi-vehicle discount when adding a second car.
During the quote process, see whether you qualify for any of these American Family car insurance discounts:
- Multi-policy
- Multi-vehicle
- Good driver
- MilesMyWay (low mileage discount of up to 25%)
- Good student
- Young volunteer (for those under 25 who volunteer)
- Away at school
- Usage-based
- Safety equipment
- Defensive driver
- Loyalty
- Generational (if your parents are customers)
- Pay in full
- Autopay
- Paperless statements
Coverage options
You can find both the standard set of car insurance coverages and add-ons with American Family.
American Family offers standard car insurance coverages, including:
- Liability: This helps cover costs if you are involved in an accident that injures someone or damages their property.
- Collision: This coverage helps pay for damage to your vehicle resulting from an accident.
- Comprehensive: You’re protected from other types of damage, such as from storms, fire, theft, animal strikes or vandalism.
- Medical payments: This coverage pays for your medical costs and those of your passengers if you’re injured in an accident as an add-on to your policy.
You can also extend your protection in multiple ways with add-ons from American Family, which you can purchase for an additional cost:
- Accident forgiveness
- Roadside assistance
- Rental reimbursement
- Gap coverage
- Uninsured/underinsured motorist coverage
American Family claims experience
The fastest way to file a claim is using the MyAmFam app, but you can also file online, over the phone or via an agent.
One of the most critical parts of choosing a car insurance provider is how the company handles claims. After all, if you’ve just been in an accident, the last thing you want is another headache.
To file a claim with American Family car insurance:
- Report a claim with the MyAmFam app
- File a claim online
- File over the phone by calling 1-800-MYAMFAM
- Call your American Family Insurance agent
According to American Family, the fastest way to move your claim along is to file using the MyAmFam app. You can also use the app to track the progress of your claim, upload photos of the damage, find a repair shop and rent a car for temporary use.
The MyAmFam app received a 4.7-star rating out of 5 stars on the App Store for iOS, based on over 91,000 reviews as of June 28, 2026.
On the Google Play Store, the app has a rating of 3.1 stars out of 5, based on over 10,000 reviews as of June 17, 2026.
Positive reviews praised the app for its ease of use, particularly in paying bills and managing coverage. Negative reviews mentioned technical issues, including difficulty logging in.
American Family customer satisfaction
American Family car insurance has a much lower-than-average number of customer complaints, above-average claims satisfaction and superior financial strength.
According to the NAIC Complaint Index published by the National Association of Insurance Commissioners, American Family’s car insurance complaint index is 0.669, compared to a baseline of 1.0.
In the 2025 J.D. Power Auto Claims Satisfaction Study, American Family scored 702, two points higher than the industry average of 700. It scored highly in our consumer study as well, receiving 84% for customer satisfaction, 91% for trustworthiness and 92% for renewal rates.
AM Best assigns American Family a Financial Strength Rating (FSR) of A (Excellent), effective Sept. 24, 2025. That means you can expect the company to be able to pay out its claims.
My verdict
With its cheap average rates, strong options for families and teens and above-average trust and claims ratings, American Family is worth checking out — as long as you live in one of the 19 states where it’s available. If it were available in my area, it would be a great fit for my family of teen and young adult drivers.
I recommend requesting a quote from American Family if you also have young drivers to insure and are looking for a company with above-average satisfaction ratings and below-average pricing. I like the variety of add-on options available, too. If you live outside of American Family’s narrow coverage area, however, you’ll have to keep looking.
Frequently Asked Questions: American Family
Is American Family Insurance cheaper than other car insurance companies?
The average annual premium for American Family car insurance falls in the middle of the premiums for the insurers we studied, according to our rate analysis. Car insurance rates vary based on your driver profile, coverage choices, location and other factors, so it’s best to compare quotes from multiple companies.
What discounts does American Family Insurance offer?
American Family offers standard discounts, such as multi-policy and multi-vehicle discounts. You could also get a loyalty discount based on how long you’ve been a customer, plus discounts for signing up for a new policy early or switching from another carrier. If you sign up for the company’s DriveMyWay program, you could save 10% to 35% based on your driving habits.
Does American Family Insurance offer accident forgiveness?
Yes, American Family offers accident forgiveness as an optional add-on to your policy. This coverage shields your premiums from rising after your first at-fault accident.
Does American Family Insurance have gap insurance?
Yes, you can add American Family’s gap insurance coverage when you purchase your policy. This optional add-on covers the difference between what your car is worth and the amount you’d be reimbursed if the vehicle were totaled.
How do I file a claim with American Family Insurance?
You can file a claim with American Family through the mobile app, online, by phone or with an agent. The company offers 24/7 claim support.
Does American Family Insurance offer telematics or usage-based insurance?
Yes. American Family’s DriveMyWay program tracks driving habits and rewards safe driving with discounts.
What states does American Family cover?
American Family covers 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.
Is American Family cheaper than GEICO or State Farm?
Yes, American Family’s average full coverage premium is $159 per month, $20 lower than GEICO’s at $179 and $80 lower than State Farm’s at $239.
Sources
- AM Best. “ AM Best Affirms Credit Ratings for American Family Mutual Insurance Company, S.I., Core Affiliates and American Family Life Insurance Company.” Accessed July 2026.
- J.D. Power. “Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds.” Accessed July 2026.
- J.D. Power. “Auto Insurer Websites and Apps Become Battleground for New Customers as Policy Shopping Activity Skyrockets, J.D. Power Finds.” Accessed July 2026.
- App Store. “American Family Insurance App.” Accessed July 2026.
- Google Play. “American Family Insurance App.” Accessed July 2026.
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