American Family Insurance: Overview

For over 90 years, American Family Insurance has been providing coverage to their customers across the country.

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About American Family

In 1927, Herman Wittwer launched Farmers Mutual Automobile Insurance Company in Madison, Wisconsin. In 1930, the company establishes National Mutual Casualty Company with a focus on non-farmers. In 1933, National Mutual and Farmer’s Mutual merge, entering into Minnesota. Farmers Mutual establishes the State Farm Mutual Insurance Company of Madison, Wisconsin. In 1948 State Farm Mutual of Madison is renamed Farmers Mutual Insurance Company of Wisconsin. In 1957, Farmers Mutual introduces sickness and accident insurance, receiving 40 applications on day one. In 1958, the company begins selling homeowners insurance and opens American Family Life Insurance Company, which expands to 10 states in one year. In 1963, the name of the company was changed to American Family Mutual Insurance Company and in 1975 the company introduced Commercial Lines and became the fifth largest mutual auto insurer. By 1977, the company’s 50th year in business, American Family had 2.3 million policies and 2,360 agents. By 1981, the company’s assets surpassed $1 billion. In 1985, the company established American Family Brokerage, Inc for hard-to-place risks. In 1987 a CAT program is developed to help customers affected by storms and other wide-scale disasters. In 1994, American Family rolls out a catastrophe trailer. In 2005, American Family and the Green Bay Packers raise more than $1 million for breast cancer prevention, treatment and research. In 2007, American Family Children’s Hospital in Madison, Wisconsin celebrated its grand opening. In 2011, the company challenges people to reflect on the most valuable thing they own--their dreams--in the “Dreams Protected” campaign. In 2012, American Family acquires the Permanent General Companies and other subsidiaries of the PGC Holdings Corp. In 2017, American Family Wisconsin’s largest rooftop solar installation with almost 4,500 panels on the roof of the National Headquarters building in Madison.

American Family Facts & Ratings

Year Founded1927
Market Share1.91%
Financial StrengthExcellent
JD Power RankingAbout Average
A.M. BestA
BBB RatingA+
NAIC Complaint Index0.64
S&P RatingA

American Family Mobile App Rating

iOS     4.830K user reviews
Android     4.43.5K user reviews

The American Family mobile app is available for iOS and android. Called MyAmFam, the app allows users to manage their insurance policy: Make payments, view coverage and policy details, access digital ID cards, in-app payment reminders, find a repair shop, submit a claim, get roadside assistance and more.

Pros & Cons of American Family

  • American Family Insurance has a 24/7 claim support.
  • With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount up to 20%.
  • Teen Safe Driver also uses technology to monitor distracted driving and may earn a teen up to 10% in car insurance discounts.
  • The American Family MyAmFam app is very helpful for managing your account.
  • American Family Insurance offers rideshare insurance for Uber and Lyft drivers.
  • American Family Insurance only serves 19 states.

Common Questions about American Family

Does American Family Insurance have roadside assistance?

Yes, American Family Insurance provides reliable roadside service for flat fires, refueling and anything you may need to get back on the road again. Emergency roadside assistance is an optional coverage.

What coverage does American Family insurance have for renters?

Yes American Family insurance has renters insurance. If you buy both auto and renters insurance you may be eligible for a discount.

What is the American Family insurance championship?

The American Family Insurance Championship is an annual summer golf tournament hosted at University Ridge Golf Course, which is home to the University of Wisconsin men’s and women’s golf teams.

Is American Family credit monitoring a good choice?

Credit monitoring is like a warning system that prevents more damage. It’s a service that regularly checks your credit reports and alerts you of changes by phone, text or email. American Family’s credit monitoring is a good choice if you’re interested in alerts about credit limit increases, if an authorized user is added to an account, if a credit card or loan application is submitted in your name or if a new credit card or loan is opened using your identity.

Are American Family and Main Street America the same company?

In 2018, American Family Insurance merged with Main Street America, which operates as a stand-alone brand. Both American Family Insurance and Main Street America are financially strong mutual holding companies, each with a regional operation.

What are some of the coverage options for American Family home insurance?

A standard homeowners policy covers smoke and fire, tornadoes, damage from ice, snow or sleet, leaking roofs, lightning, theft, hail and windstorms, falling objects like rocks or trees, wildfire, frozen interior plumbing, riots or vandalism and power surges. You can buy additional insurance for equipment breakdown, matching siding protection and sump pump and water backup coverage.

What does American Family insurance liability coverage cover?

Liability coverage will protect you if you are at fault in an accident. It will cover property damage and bodily injury to the other driver, their passengers and pedestrians. You set your limits on coverage so make sure you’re adequately insured. Some states require more than liability coverage alone. PIP insurance, for example, is required in no-fault states. Check with your local DMV to see what your state requirements are for auto insurance.

Does American Family insurance cover Safelite claims?

American Family Insurance offers a glass repair program with Safelite. The two companies work together to get your windshield repaired or replaced.

Is American Family insurance bad?

American Family Insurance is very strong financially. It has high a score on Better Business Bureau, which reflects their commitment to resolving customer complaints. However, it’s always a good idea to get auto insurance quotes from a variety of companies so you don’t overpay for reliable insurance products.

How can I lower my American Family insurance?

There are many ways that you can lower your auto insurance rates. First, you can get free auto insurance quotes so you’re paying the least amount. Next, you’ll want to avoid accidents and tickets, which increase your auto insurance rate.

Should I have a high or low deductible with American Family insurance?

You should decide on a deductible based on what you can afford. If you choose a $1,000 deductible, you’ll have to spend $1,000 before insurance begins to cover repairs to your car. If you choose $500, that’s all you have to pay out of pocket. The higher your deductible, however, the lower your monthly premiums.

What is the American Family Dreams Restored Program (DRP)?

The American Family Insurance Dreams Foundation Grant Program offers grants to eligible non-profit organizations (501c3). Some of the programs the company funds are related to life-long educational programming or employment access and opportunity as well as food security, housing, transportation and childcare. American Family Insurance Dreams Foundation funds biannually. Organizations can begin the process of earning a grant by submitting a Letter of Intent (LOI).

What are American Family insurance good student discount requirements?

American Family Insurance does not offer a good student discount. It does however have a teen safe driver program, which can bring up to a 10% discount on auto insurance. There’s also an away-at-school discount for students who are under the age of 25 and attend college more than 100 miles away.

American Family Insurance Products

Car InsuranceClassic Car Insurance
Motorcycle insuranceHome Insurance
Renters InsuranceCondo Insurance
Manufactured Home InsuranceFarm and Ranch Insurance
Motorcycle InsuranceBusiness Insurance
Life InsuranceRV Insurance
Boat InsuranceSnowmobile Insurance
Life InsuranceUmbrella Insurance
Identity Theft InsuranceHealth Insurance
Travel InsuranceLandlord Insurance

American Family Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Expense

This type of protection will cover you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.

New Car Replacement

American Family offers new car replacement, which means that if your car is two model years old or less, the company replaces the car completely, not just the depreciated value.

Emergency Roadside Assistance

This is an optional coverage that reimburses the insured for the towing and labor involved.

Rental Reimbursement

This coverage will reimburse the insured for rental expenses while the vehicle is being repaired due to a covered loss.

Gap Coverage

Gap insurance takes care of your expenses if your loss is greater than what’s covered by your policy. For instance, if you still owe $33,000 on a car but it’s valued at 30,000, you will still have to pay off $3,000 if it’s a total loss. Gap insurance would cover that remaining balance.

Underinsured/Uninsured Motorist Protection

This protection pays for medical expenses if you’re injured in a vehicular accident caused by someone who doesn’t carry liability insurance or doesn’t have high-enough limits to cover the accident.

Personal Injury Protection (PIP)

This protection covers you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.

Discounts

Teen Safe Driver DiscountAway at School Discount
Good Student DiscountYoung Volunteer Discount
KnowYourDriveMulti-product Discount
Smart Home DiscountClaims-free Pricing
Loyalty DiscountGenerational Discount

American Family Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with American Family. On average, American Family charges approximately $142.39 per month. The cheapest state average is Ohio at $86.12 per month followed by Wisconsin at $96.10 per month. The most expensive state average is Nevada at $274.15 per month.

State Avg monthly rate
AZ $158.26
CO $180.86
IA $98.60
ID $113.20
IL $164.87
IN $125.83
KS $122.12
MN $98.90
MO $133.23
State Avg monthly rate
ND $111.56
NE $123.10
NV $274.15
OH $86.12
OR $140.13
SD $108.37
UT $146.38
WA $171.20
WI $96.10

American Family Auto Insurance Rates by Vehicle

Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that American Family charges for drivers who have more than 1 vehicle.

Number of Vehicles Avg Monthly Rate
1 Vehicle $133.69
2 Vehicles $185.16
8 Vehicles $191.33
3 Vehicles $255.68
4 Vehicles $316.22
5 Vehicles $354.42
6 Vehicles $458.65
7 Vehicles $494.67

American Family Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average American Family charges $131.18 per month for drivers who own their home and $146.79 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $131.18
Rent $146.79

American Family Contact Info

Address6000 American Parkway, Madison, WI 53783
Phone1-800-692-6326
Websitehttps://www.amfam.com/insurance
Facebookhttps://www.facebook.com/amfam/
Twitterhttps://twitter.com/amfam
Youtubehttps://www.youtube.com/user/amfam
Linkedinhttps://www.linkedin.com/company/american-family-insurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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