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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
Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.
In 1927, Herman Wittwer launched Farmers Mutual Automobile Insurance Company in Madison, Wisconsin. In 1930, the company established National Mutual Casualty Company with a focus on non-farmers. In 1933, National Mutual and Farmerâs Mutual merged, entering into Minnesota. Farmers Mutual established 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 introduced sickness and accident insurance, receiving 40 applications on day one. In 1958, the company began selling homeowners insurance and opened American Family Life Insurance Company, which expanded 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 companyâs 50th year in business, American Family had 2.3 million policies and 2,360 agents. By 1981, the companyâs 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 rolled out a catastrophe trailer. In 2005, American Family and the Green Bay Packers raised more than $1 million for breast cancer prevention, treatment and research. In 2007, American Family Childrenâs Hospital in Madison, Wisconsin celebrated its grand opening. In 2011, the company challenged people to reflect on the most valuable thing they own--their dreams--in the âDreams Protectedâ campaign. In 2012, American Family acquired the Permanent General Companies and other subsidiaries of the PGC Holdings Corp. In 2017, American Family aquired Wisconsinâs largest rooftop solar installation with almost 4,500 panels on the roof of the National Headquarters building in Madison.
American Family Facts & Ratings
| Year Founded | 1927 |
| Market Share | 1.91% |
| Financial Strength | Excellent |
| JD Power Ranking | About Average |
| BBB Rating | A+ |
| NAIC Complaint Index | 0.64 |
| S&P Rating | A |
American Family Mobile App Rating
| iOS | 4.8 stars (out of 5) | 67.8K user reviews |
| Android | 4.2 stars (out of 5) | 8.8K 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 24/7 claim support.
- With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount of 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 menâs and womenâs golf teams.
Is American Family credit monitoring a good choice?
Credit monitoring is like a warning system that prevents more damage. Itâs a service that regularly checks your credit reports and alerts you of changes by phone, text or email. American Familyâs credit monitoring is a good choice if youâre 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 youâre 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, itâs always a good idea to get auto insurance quotes from a variety of companies so you donât 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 youâre paying the least amount. Next, youâll 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, youâll have to spend $1,000 before insurance begins to cover repairs to your car. If you choose $500, thatâs 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. Thereâs 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 Insurance | Classic Car Insurance |
| Motorcycle insurance | Home Insurance |
| Renters Insurance | Condo Insurance |
| Manufactured Home Insurance | Farm and Ranch Insurance |
| Motorcycle Insurance | Business Insurance |
| Life Insurance | RV Insurance |
| Boat Insurance | Snowmobile Insurance |
| Life Insurance | Umbrella Insurance |
| Identity Theft Insurance | Health Insurance |
| Travel Insurance | Landlord Insurance |
| ATV Insurance | Business Auto Insurance |
| Worker's Compensation | Contractors Insurance |
| Cyber Liability Insurance | Flood Insurance |
| Employee Dishonesty Protection |
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 youâve been injured in an accident, regardless of whoâs 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 whatâs covered by your policy. For instance, if you still owe $33,000 on a car but itâs valued at 30,000, you will still have to pay off $3,000 if itâs a total loss. Gap insurance would cover that remaining balance.
Underinsured/Uninsured Motorist Protection
This protection pays for medical expenses if youâre injured in a vehicular accident caused by someone who doesnât carry liability insurance or doesnât have high-enough limits to cover the accident.
Personal Injury Protection (PIP)
This protection covers you if youâve been injured in an accident, regardless of whoâs at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.
Discounts
| Teen Safe Driver Discount | Away at School Discount |
| Good Student Discount | Young Volunteer Discount |
| KnowYourDrive | Multi-product Discount |
| Smart Home Discount | Claims-free Pricing |
| Loyalty Discount | Generational Discount |
American Family Auto Insurance Rates by State
American Family Auto Insurance Rates by Vehicle
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American Family Auto Insurance Rates by Homeownership
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American Family Contact Info
| Address | 6000 American Parkway, Madison, WI 53783 |
| Phone | 1-800-692-6326 |
| Website | https://www.amfam.com/insurance |
| https://www.facebook.com/amfam/ | |
| https://twitter.com/amfam | |
| Youtube | https://www.youtube.com/user/amfam |
| https://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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Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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