{"id":323922,"date":"2025-11-07T23:28:24","date_gmt":"2025-11-08T04:28:24","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=138644"},"modified":"2025-11-07T23:28:24","modified_gmt":"2025-11-08T04:28:24","slug":"american-family-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/american-family-review\/","title":{"rendered":"American Family Auto Insurance"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"American Family Auto Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>American Family is a top\u201110 writer of private\u2011passenger auto insurance by U.S. market share (roughly mid\u20112% on NAIC 2023 direct premiums written; around 9th\u201310th nationally). See <a href=\"https:\/\/www.forbes.com\" class=\"achor-toggles\">Forbes Advisor\u2019s largest auto insurers<\/a> and the <a href=\"https:\/\/content.naic.org\">NAIC Market Share Reports<\/a> for the latest rankings and data methodology.<\/li><li>Founded in 1927 in Wisconsin, American Family has expanded beyond auto into home, renters, life, and other personal lines. At the group level (all P\/C lines), American Family Insurance Group is approximately the 12th\u2011largest by 2024 direct premiums written with about a 2% share, per NAIC\u2011based compilations published in 2025 (<a href=\"https:\/\/content.naic.org\">NAIC Market Share Reports<\/a>).<\/li><\/ul>\n\n\n\n<p>American Family Car Insurance (AmFam), headquartered in Madison, Wisconsin, remains one of the <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-cheap\/\" class=\"achor-toggles\">best auto insurance companies in the U.S<\/a> for shoppers who want agent support plus modern digital tools. In the most recent <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Powe<\/a>r U.S. Auto Insurance Study, American Family\u2019s customer satisfaction generally trends around the industry middle, with performance varying by region. The <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.bbb.org\/us\/wi\/madison\/profile\/insurance-companies\/american-family-insurance-0694-5002017\/customer-reviews\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Better Business Bureau (BBB)<\/a> profile is updated continuously and shows current letter grades, review star ratings, and complaint volumes for the company\u2019s headquarters listing.<\/p>\n\n\n\n<p>Line\u2011specific market share benchmarks confirm American Family\u2019s position in auto: NAIC 2023 private\u2011passenger auto data place its national share roughly in the 2.3%\u20132.5% band (top\u201110 by DPW). Public rankings from industry sources align with this view (<a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.forbes.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> 2.7%<\/a>; context provided by <a href=\"https:\/\/content.naic.org\">NAIC Market Share Reports<\/a>). Satisfaction has been pressured industry\u2011wide by premium increases and claims cycle times in recent years, a trend documented by J.D. Power\u2019s latest studies; results for American Family vary by region in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">2025 U.S. Auto Insurance Study<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Overview\"><\/span>\n    \n\n\n<section id=\"block_60870e49d3a0a\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">American Family Car Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since \n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1927<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">See 2025*<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost-of\" title=\"Cost of Premiums\"><\/span>\n    \n\n\n<p>Auto insurance prices have been influenced by several macro factors: higher parts and labor costs and more complex ADAS calibrations are lifting repair severity (<a href=\"https:\/\/www.cccis.com\/crash-course-2024\/\">CCC Crash Course 2024<\/a>), severe convective storms and flooding continue to elevate comprehensive losses in many regions (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA Billion\u2011Dollar Disasters<\/a>), and shopping\/churn remain elevated as consumers respond to rate changes (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-shopping-study\">J.D. Power Insurance Shopping Study<\/a>; <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis Auto Insurance Trends<\/a>). American Family offers common ways to manage costs, including multi\u2011policy discounts, telematics (KnowYourDrive), and digital self\u2011service. It sells auto coverage in a limited footprint (about 19 states) and provides online quoting; drivers can start a <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\" rel=\"nofollow\" class=\"achor-toggles\">quote online <\/a>and manage policies and claims in the app or portal.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"pros\" title=\"Pros vs. Cons\"><\/span>\n    \n\n\n<section id=\"block_60870ec6d3a0f\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Robust mobile app<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Policyholders can use iOS or Android to pay bills, access ID cards, file and track claims, and enroll in usage\u2011based driving programs; many carriers now support photo estimates and rapid payments, reflecting industrywide digitization (see <a href=\"https:\/\/www.cccis.com\/crash-course-2024\/\">CCC Crash Course 2024<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Provides multiple types of insurance<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">American Family offers auto, home, renters, umbrella and more, enabling multi\u2011policy discounts and single\u2011agent servicing across personal lines.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Umbrella insurance coverage<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">You can add a personal umbrella to extend liability protection beyond underlying auto\/home limits; this is commonly paired with multi\u2011policy bundles for broader asset protection.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Offers 24\/7 customer service<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">24\/7 claims reporting and always\u2011on digital tools support faster first notice of loss and status tracking, aligning with 2024\u20132025 best practices for auto insurers (see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power 2024 Auto Insurance Study<\/a>).<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">No nationwide coverage<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">American Family\u2019s auto insurance footprint is limited (about 19 states), so availability depends on your location.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Mid\u2011pack satisfaction results<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">In the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">2025 J.D. Power U.S. Auto Insurance Study<\/a>, American Family\u2019s customer satisfaction generally tracks around the industry average, with performance varying by region.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Highlights\"><\/span>\n    \n\n                \n<section id=\"block_60870f2dd3a17\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">American Family Auto Insurance Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Discounts &#038; Add-ons <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Claims <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>American Family offers the core protections most drivers need, including:<\/p>\n<ul>\n<li>Comprehensive<\/li>\n<li>Collision<\/li>\n<li>Bodily injury<\/li>\n<li>Medical payments<\/li>\n<li>Personal injury protection (where available)<\/li>\n<li>Property damage liability<\/li>\n<\/ul>\n<p>Many insurers now complement these with digital claims tools (photo estimates, status tracking) and repair network options that streamline billing and calibrations for ADAS\u2011equipped vehicles. Industry data show repair complexity and calibration needs have risen with modern safety tech (<a href=\"https:\/\/www.cccis.com\/crash-course-2024\/\">CCC Crash Course 2024<\/a>).<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Customer sentiment has been shaped by premium trends and claims timelines. In <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a>, American Family\u2019s satisfaction results vary by region and are generally mid\u2011pack. For claims, J.D. Power\u2019s latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-claims-satisfaction-study\">U.S. Auto Claims Satisfaction Study<\/a> highlights the importance of clear communication and digital status visibility. BBB provides a separate trust indicator (letter grade) and customer review star ratings; see how BBB ratings work <a href=\"https:\/\/www.bbb.org\/all\/bbb-ratings\">here<\/a> and search the live American Family profile <a href=\"https:\/\/www.bbb.org\/\">on BBB.org<\/a> for current letter grade, reviews, and complaint counts.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts &#038; Add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Common add\u2011ons include:<\/p>\n<ul>\n<li>24\/7 roadside assistance<\/li>\n<li>Underinsured\/uninsured motorist<\/li>\n<li>Loan\/lease gap<\/li>\n<li>Rental reimbursement<\/li>\n<li>Accidental death and dismemberment<\/li>\n<\/ul>\n<p>Frequent savings include multi\u2011car, multi\u2011policy, good student, defensive driver, low\u2011mileage, auto safety equipment, teen driver, away\u2011at\u2011school, generational, autopay\/full\u2011pay, and paperless billing (availability varies by state). American Family also offers a usage\u2011based program (KnowYourDrive) with a participation discount and up to 20% potential savings for safe driving (<a href=\"https:\/\/www.amfam.com\">KnowYourDrive<\/a>). For context, major carriers often advertise around 10\u201325% for auto+property bundles; Progressive reports customers who save by bundling save an average of 12% (<a href=\"https:\/\/www.progressive.com\">Progressive bundles<\/a>).<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Claims\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>You can file and track a claim 24\/7 online or via the MyAmFam app. Insurers increasingly use AI\u2011assisted photo estimating, digital document upload, and electronic payments to speed cycle times; these capabilities are now common across the market (<a href=\"https:\/\/www.cccis.com\/crash-course-2024\/\">CCC Crash Course 2024<\/a>). Satisfaction during claims is closely tied to proactive updates and ease of digital interactions (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-claims-satisfaction-study\">J.D. Power U.S. Auto Claims Satisfaction Study<\/a>).<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"bundling\" title=\"Bundling Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">American Family&#8217;s Car Insurance Bundling Discounts for Cheaper Insurance<\/h2>\n\n\n\n<p>Bundling auto with home or renters can lower total premiums, even for <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-for-high-risk-drivers\/\">high-risk drivers<\/a>, though actual savings vary by state and underwriting. American Family offers multi\u2011policy and multi\u2011vehicle options; see its bundle page (<a href=\"https:\/\/www.amfam.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">29% on your auto insurance and 20%<\/a>) for current, state\u2011specific details. As a national benchmark, Progressive reports that customers who save by bundling save an average of 12% across qualifying auto+property combinations (<a href=\"https:\/\/www.progressive.com\">Progressive bundles<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\t\t\n<section id=\"block_60871165d3a1c\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">American Family Car Insurance vs. The Competition <\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D Power\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tNo. of Discounts\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_60871165d3a1c-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by region*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60871165d3a1c-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Top regional performance*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60871165d3a1c-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Farmers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Mid\u2011pack overall*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60871165d3a1c-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not rank\u2011eligible*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information accurate as of November 2025<\/em><\/p>\n\n\n\n<p><em>*J.D. Power results vary by region and are reported on a 1,000\u2011point scale. Latest study: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2021 Auto Insurance Satisfaction Study<\/a> (link points to the most recent 2025 study overview).<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">American Family vs. Auto-Owners&nbsp;<\/h3>\n\n\n\n<p>American Family sells through agents and online in a limited footprint, while Auto\u2011Owners distributes exclusively via independent agents (<a href=\"https:\/\/www.auto-owners.com\/\">source<\/a>). In J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">2025 U.S. Auto Insurance Study<\/a>, Auto\u2011Owners performs among the top carriers in several regions; American Family trends around the middle overall depending on region. Both offer usage\u2011based telematics: Auto\u2011Owners TrueRide (<a href=\"https:\/\/www.auto-owners.com\">program details<\/a>) and American Family KnowYourDrive (<a href=\"https:\/\/www.amfam.com\">up to 20% potential<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">American Family vs. Farmers<\/h3>\n\n\n\n<p>Both brands emphasize agent support and broad coverage options. For telematics, Farmers Signal advertises up to 30% potential savings (<a href=\"https:\/\/www.farmers.com\">Signal<\/a>), while American Family\u2019s KnowYourDrive advertises up to 20% (<a href=\"https:\/\/www.amfam.com\">KnowYourDrive<\/a>). In J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">2025 study<\/a>, both generally post mid\u2011pack results that vary by region.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">American Family vs. USAA<\/h3>\n\n\n\n<p>USAA eligibility is limited to active duty, veterans, and eligible family members. It consistently earns among the highest satisfaction scores but is not rank\u2011eligible in J.D. Power\u2019s regional rankings due to membership restrictions (<a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power<\/a>). USAA\u2019s SafePilot telematics advertises up to 30% potential savings and a sign\u2011up discount (<a href=\"https:\/\/www.usaa.com\">SafePilot<\/a>); American Family\u2019s KnowYourDrive caps at up to 20% potential (<a href=\"https:\/\/www.amfam.com\">program<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"FAQs\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">American Family FAQ&nbsp;&nbsp;<\/h2>\n\n\n<div id=\"block_60871231d3a36\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is American Family insurance a good company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">American Family offers a wide discount menu, telematics via KnowYourDrive, 24\/7 claims reporting, and a modern mobile app. In independent benchmarks, it typically performs around the industry average for auto insurance satisfaction, with results that vary by region (<\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\"><span style=\"font-weight: 400;\">J.D. Power 2025<\/span><\/a><span style=\"font-weight: 400;\">). For non-survey trust indicators and complaint history, check the company\u2019s live BBB profile; BBB letter grades and review star ratings measure different things (<\/span><a href=\"https:\/\/www.bbb.org\/all\/bbb-ratings\"><span style=\"font-weight: 400;\">BBB ratings overview<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6087123bd3a37\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does my American Family car insurance cover rental cars?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes, American Family offers optional rental reimbursement. If your car is undriveable due to a covered loss, the add\u2011on can reimburse rental costs up to your selected limits while your vehicle is repaired. See details on AmFam\u2019s site:<\/span><a href=\"https:\/\/www.amfam.com\/insurance\/car\/auto-rental-reimbursement\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Rental Reimburse Coverag<\/span><\/a><span style=\"font-weight: 400;\">e.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60871250d3a38\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is American Family\u2019s grace period?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Grace period terms can vary by state, product, and policy status. Review your declarations and billing notices or contact your agent to confirm your specific timeline. For general guidance to first\u2011time buyers, see AmFam\u2019s resource:<\/span><a href=\"https:\/\/www.amfam.com\/resources\/articles\/understanding-insurance\/car-insurance-for-first-time-buyers\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"> 10 to 14 days.<\/span><\/a><span style=\"font-weight: 400;\">\u00a0Actual grace periods, if any, are determined by the policy and state rules.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated American Family based on discounts, coverage, online resources, financial strength, and customer satisfaction to create our best car insurance reviews. To compare car insurance companies with other providers across the board, we analyzed:<\/p>\n\n\n\n<ul><li>Discounts: We verified telematics participation and advertised savings ranges and used national benchmarks for bundling (e.g., Progressive\u2019s average ~12% across auto+property) via <a href=\"https:\/\/www.progressive.com\">Progressive<\/a>.<\/li><li>Financial Stability: Reviews.com referenced AM Best financial strength ratings and methodology to understand rating symbols and outlooks; see AM Best\u2019s official guide to ratings <a href=\"https:\/\/www.ambest.com\/ratings\/guide.asp\">here<\/a>.<\/li><li>Customer Satisfaction: We relied on the latest J.D. Power U.S. Auto Insurance and Auto Claims Satisfaction studies to compare current satisfaction trends; see the most recent <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">2025 U.S. Auto Insurance Study<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-claims-satisfaction-study\">2025 U.S. Auto Claims Satisfaction Study<\/a>.<\/li><li>Coverage: We assessed core coverages and common add\u2011ons beyond mandatory minimums, and considered industry repair\/claims complexity trends for ADAS\/EVs (<a href=\"https:\/\/www.cccis.com\/crash-course-2024\/\">CCC Crash Course 2024<\/a>).<\/li><li>Online Resources: We reviewed the availability of mobile claim estimates, digital ID cards, policy documents, telematics enrollment, and payment tools; we also considered broader shopping\/retention dynamics documented by <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-shopping-study\">J.D. Power<\/a>.<\/li><\/ul>\n\n\n\n<p>Reviews.com compares providers on affordability, customer support, coverage options, satisfaction indicators, and digital resources. We also reference market share context from NAIC\u2011based reports (<a href=\"https:\/\/content.naic.org\">NAIC Market Share Reports<\/a>) and industry trends that impact pricing and claims.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report American Family is a top\u201110 writer of private\u2011passenger auto insurance by U.S. market share (roughly mid\u20112% on NAIC 2023 direct premiums written; around 9th\u201310th nationally). See Forbes Advisor\u2019s largest auto insurers and the NAIC Market Share Reports for the latest rankings and data methodology. Founded in 1927 in Wisconsin, American Family has expanded [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":138663,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[25823],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>American Family Auto Insurance | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our American Family car insurance review covers the company&#039;s average performance in customer service, car insurance coverage, and available discounts.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/american-family-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" 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