Written by:
Maggie O'Neill
Contributing Researcher
Maggie has twenty years of experience working in media. She is a writer and editor on car insurance and related issues. Before joining, she reported on health, education and lifestyle for magazines, websites and newspapers in Nevada.
Reviewed by:
Laura Longero
reviewer icon
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Is American Family or Auto-Owners better?

American Family is a terrific choice for car insurance because of its commitment to customer satisfaction and its various bundling and discount options. In addition to these offerings, American Family is highly recommended and has the advantage of affordable premiums.

Auto-Owners has a superior A++ ranking through AM Best, beating out the A grade received by American Family. It is also highly recommended by customers and has low monthly premiums. Auto-Owners earned the third spot in’s survey, which ranked the top 10 auto insurance providers.

Keep reading to see how American Family compares to Auto-Owners in the top auto insurance companies survey.

Tip iconPros of Americal Family and Auto-Owners car insurance

American Family Pros

  • High customer satisfaction
  • Affordable premiums
  • Solidly-ranked policy offerings

Auto-Owners Pros

  • Good premiums
  • Highly-rated for renewals

How American Family and Auto-Owners score on customer satisfaction

American Family customers indicated they had a high level of satisfaction with the auto insurer’s customer service. More than 90% of respondents said they were satisfied with American Family, a rating higher than many competitors, including Auto-Owners. 

Comparatively speaking, the survey found that 82% of Auto-Owners customers expressed satisfaction with Auto-Owners insurance. This shows that Auto-Owners is not performing as well as competitors, such as American Family, for customer satisfaction.

Insurance CompanyPercent of customers that are satisfied
American Family92%

Do American Family and Auto-Owners customers plan to renew?

The data from the survey show that Auto-Owners customers have a greater intention to renew their policies than customers with American Family do, indicating that Auto-Owners is the preferred provider for renewals.

Insurance CompanyPercent of customers who plan to renew with the company
American Family86%

How American Family and Auto-Owners score on policy offerings

American Family scored higher than Auto-Owners for policy offerings, showing that policy options are a strength for American Family compared with Auto-Owners.

Insurance CompanyPercent of customers satisfied with the company’s policy offerings
American Family83%

Is American Family or Auto-Owners cheaper?

American Family is a better choice for car insurance rates when compared to Auto-Owners. Although they both offer better pricing than more expensive competitors, American Family has cheaper rates. Continue reading for a more in-depth look at rates for American Family and Auto-Owners for various driver profiles.

Which is cheaper at various ages?

American Family is more expensive in every age group, including adults aged 40, teens, young adults aged 20-24 and senior drivers. However, the rates for seniors are comparable for both insurers, with a $2 difference per year.

Annual average car insurance rates by age for American Family vs. Auto-Owners
Age GroupAmerican FamilyAuto-Owners
National Avg (40)$1,362 $1,406 
Teen (16-19)$4,013 $4,113 
Young Adult (20-24)$2,126 $2,416 
Avg for seniors (65)$1,307 $1,309 

Which is cheaper with a ticket?

Auto-Owners insurance is cheaper than American Family insurance both before and after a ticket. With American Family, a ticket results in a 24% increase in rates, whereas with Auto-Owners that increase is just over 14%.

Annual average car insurance rates after a ticket for American Family vs. Auto-Owners
CompanyAnnual premiumAverage after ticket$ increase%  increase
American Family$1,724 $2,143 $419 24.28%
Auto-Owners$1,652 $1,884 $232 14.04%

American Family vs. Auto-Owners car insurance discounts

Both American Family and Auto-Owners offer good discounts on premiums with 9% and nearly 8% of discounts, respectively.

Annual discounts for American Family vs. Auto-Owners
Insurance CompanyPercent Difference
American Family9.00%

American Family vs. Auto-Owners available discounts

Discount American Family Auto-Owners
Air BagsYesYes
Anti-Theft DeviceYesYes
Daily CommuteYesYes
Days Advanced PurchaseYesYes
Days Per Week DrivenYes
Electronic Funds TransferYes
Electronic Signature
Lower Annual MileageYesYes
Loyalty – Years Renewal With CompanyYes
Marital StatusYesYes
Paperless/Electronic DocumentsYesYes
Payment TypeYesYes
Primary UseYesYes
Purchase Status
Safety DevicesYesYes
Vehicle Ownership

American Family vs. Auto-Owners: AM Best credit rating 

AM Best rates insurance companies on their financial strength and gave American Family an A rating. At the same time, Auto-Owners received an A++, or superior, rating.

American Family vs. Auto-Owners: J.D. Power auto claims satisfaction score

On to the 2022 J.D. Power auto claims satisfaction study, American Family received a score of 874, outperforming Auto-Owners at 865. The industry average in the J.D. Power study was 873.

FAQ: American Family vs. Auto-Owners

Can I buy American Family car insurance online?

You can get a free quote online through American Family and use the website to find an agent through a ZIP code search or by calling 1-800-692-6326.

Can I buy Auto-Owners car insurance online?

With Auto-Owners, you can search online to find an agent and contact that agent to receive a quote. Once insured, you can pay bills and view documents online.

Who should get American Family car insurance?

American Family is best for individuals looking for low premiums and high customer satisfaction with their auto insurance provider. Also, if you are wanting to bundle policies, like home and auto insurance, American Family has good ratings in’s Best Car Insurance Companies survey for bundling.

Who should get Auto-Owners car insurance?

Auto-Owners is a good company for customers who want the assurance of a superior rating through an outside organization, like AM Best. Auto-Owners also may be a good choice for people looking for a variety of insurance options and discounts, including discounts for good drivers and good students.

What other types of insurance does American Family offer?

American Family also offers:

  • Business
  • Farm and ranch
  • Home
  • Renters
  • Condo
  • Manufactured home
  • Personal property
  • Pet
  • Life
  • Health
  • Umbrella
  • Travel

What other types of insurance does Auto-Owners offer?

Auto-Owners also offers:

  • Homeowners
  • Condo 
  • Renters/rental dwelling
  • Mobile home
  • Umbrella
  • Property and valuables
  • Farm insurance
  • Pet insurance
  • Flood insurance
  • Life insurance
  • Business insurance

Resources & Methodology


J.D. Power. “Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds.” Accessed January 2024.

Methodology, which is’s sister site, surveyed more than 1,500 insurance consumers (1,080 people with auto insurance). Online market research company Slice MR conducted the survey. 

Respondents were asked to name their auto insurer and grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Respondents ranked their insurer’s top three attributes out of more than a dozen presented – including claims satisfaction, digital experience, discounts, military discounts, best for young drivers and teens, best for college students, best for senior drivers, best for drivers with a ticket, best for high-risk drivers and best for auto/home bundling.

For a number one choice, five points were given; for a second choice, three points; and for a third choice, a single point. The total points for each choice – first, second and third – were then divided by the number of each company’s customers who responded to that survey question to create a percentage. Those percentages are presented in the results as survey scores.

Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.

Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with it. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. 

They then collected National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives, and A.M. Best data, which measures financial strength. 

They also collected insurance rate data from Quadrant Information Services.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector.

For auto insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • Annual premium: 20% of total score
  • AM Best: 25% of total score
  • NAIC: 15% of total score
  • Each insurer was awarded from 1 to 5 stars. No insurer in our star ranking received less than 1 star and 5 stars was the most any insurer could receive.
Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for, and Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like and and managing content, now at

Nupur Gambhir

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

Please Enter Valid Question. Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
Please Enter Valid Email.
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.
author image
Contributing Researcher

Maggie has twenty years of experience working in media. She is a writer and editor on car insurance and related issues. Before joining, she reported on health, education and lifestyle for magazines, websites and newspapers in Nevada.