American Family Car Insurance | Best Car Insurance Company in USA

About the American family

American Family is the No. 2 insurer in our 2023 rankings, behind only No. 1 USAA. Based in Madison, Wisconsin, the American family began in 1927 as a regional car insurance company. Today, American Family 19 sells a full line of insurance products primarily in the Midwest and Western states.

American Family Insurance is a well-known insurance company in the United States that offers various insurance products, including car insurance. However, keep in mind that details about insurance companies and their offerings can change, so it’s advisable to visit the official American Family Insurance website or contact their customer service for the most up-to-date and accurate information.

Here are some general features and aspects you might find with American Family Car Insurance:

  1. Coverage Options:
  • American Family typically offers a range of coverage options for auto insurance, including liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and more.
  1. Discounts:
  • Like many insurance providers, American Family may offer various discounts to policyholders. These could include discounts for safe driving, multiple policies (bundling), good student discounts, and more.
  1. Claim Services:
  • Evaluate the company’s claim services. A reliable insurance company should have a straightforward and efficient claims process to assist you in the event of an accident or damage.
  1. Customer Satisfaction:
  • Check customer reviews and satisfaction ratings to get an idea of the experiences other policyholders have had with American Family Insurance. This can provide insights into the company’s customer service and overall performance.
  1. Additional Coverages:
  • American Family may offer additional coverages or add-ons that you can consider based on your specific needs. These could include rental car coverage, roadside assistance, and more.
  1. Financial Stability:
  • Consider the financial stability of the insurance company. A financially stable insurer is more likely to meet its financial obligations, especially in the event of significant claims.
  1. Availability and Accessibility:
  • Check if American Family operates in your specific state and if its services are accessible to you. Some insurance companies may have regional limitations.

Remember, when shopping for car insurance, it’s essential to compare quotes, coverage options, and reviews from multiple insurance providers to find the policy that best fits your needs and budget. Additionally, policy details and offerings may vary, so it’s advisable to contact American Family Insurance directly for the most accurate and personalized information.

Is American Family Car Insurance Good?

No. 2 American Family receives high marks from customers in our survey and is at or near the top in many subcategories of our rankings, including customer service, customer loyalty, and likelihood of renewal or recommendation. The company is number 1 in our rankings for claims handling. Rates with American Family are lower than the national average for men and women of all ages, and the company is more affordable for drivers with bad driving violations or poor credit.

American Family Customer Service

About 90% of American family policyholders say they are either satisfied or completely satisfied with the customer service they receive. The company has some of the strongest survey responses in this category among insurers in our rankings, and is second only to USAA in this subcategory. American Family also performs well in our survey for ease of contacting customer service, and has the lowest percentage of consumers who express dissatisfaction with the customer service they receive.

American Family Claims Handling

American Family ranked higher for claims handling than any other insurer in our analysis, and a higher percentage of consumers were satisfied with the ease of filing a claim, status updates during the claims process, and how the claim was resolved. Expresses About 87 percent of survey respondents said they were satisfied with how their claim was handled overall, while only 3 percent said they were dissatisfied.

American Family Customer Loyalty.

With a customer loyalty score of 4.4 out of a possible 5.0, American Family ranks first in this subcategory for 2023 ahead of USAA. Nearly 90% of survey respondents said they were either likely or very likely to renew their policy with American Family, while just over 3% of American Family consumers said they were unlikely to renew. or very little.

How Much Is American Family Car Insurance?

Our study found a national average rate of $1,383 per year for drivers with American families. While that’s lower than the overall national average rate of $1,547, USAA, Geico, State Farm, and Travelers all came out cheaper on average. Depending on your age, driving record, and other factors, American Family may be cheaper than one or more of these companies. Our study found that Allstate was the most expensive on average, with an annual sample rate of $2,135.

How Much Does American Family Car Insurance Cost?

US family car insurance costs an average of $1,547 per year for full coverage insurance. That’s less than $600 a year from the average national annual rate of $2,148. American Family’s average annual rate is cheaper than other major insurers except State Farm and USAA, which only sell policies to active-duty and veteran military members and their families.

Pros & Cons


  • Fewer customer complaints than expected for a company its size for auto and life.
  • Many coverage types offered.
  • Wide range of discounts.
  • Cons
  • Not available in all states.

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