Are you overpaying for car insurance? With rates climbing nationwide, many drivers are paying hundreds more than necessary, yet American Family consistently ranks among the most affordable options for specific driver profiles. Here’s everything you need to know about whether American Family auto insurance is right for you in 2025.
The Insurance Cost Problem: Why American Drivers Are Paying More
Auto insurance premiums have surged across the United States, with the average full coverage policy now costing $2,308 annually. Rising repair costs, expensive vehicle technology, and increased claim volumes from distracted driving have pushed rates higher than ever.
American Family auto insurance positions itself as a middle-tier option, ranking 21st nationally but excelling in specific areas like customer experience (8th place) and coverage variety (11th place). The real question isn’t whether it’s the absolute cheapest; it’s whether it delivers the right combination of price, service, and coverage for your specific situation.
Key takeaway: American Family isn’t available everywhere (only 19 states), but where it operates, it offers competitive rates for drivers with DUIs, speeding tickets, and newer vehicles, while charging significantly more for drivers with poor credit.
What Affects American Family Auto Insurance Rates?
Understanding the factors that determine your premium helps you make smarter coverage decisions and identify potential savings opportunities.
Primary Rating Factors
Your Driving Record American Family rewards clean driving histories with below-average rates. A 40-year-old driver with no violations pays approximately $1,936 annually for full coverage, 19% less than the national average. However, rates jump significantly after incidents:
- At-fault accident: $3,098/year (10% above national average)
- DUI: $3,091/year (6% below national average)
- Speeding ticket: $2,243/year (11% below national average)
Credit Score Impact Your credit significantly affects pricing. Drivers with poor credit face rates of $2,820-$3,588 annually, potentially 47% higher than those with good credit. This makes American Family a poor choice for credit-challenged drivers compared to competitors.
Vehicle Type and Age
- Newer cars (2025 models): $139/month average
- Older cars (2007 models): $101/month average
- The company offers New Car Replacement coverage for brand-new vehicles, automatically removed after one year
Geographic Location American Family operates in these 19 states only: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin
Rates vary significantly by location due to local repair costs, theft rates, and weather patterns.
Age Demographics
- Young drivers (25 and under): $257/month for full coverage
- Adult drivers (26-64): $119/month for full coverage
- Senior drivers (65+): $148/month for full coverage
How to Compare American Family Auto Insurance Rates (And Why It Matters)
Shopping for car insurance isn’t just about finding the lowest price; it’s about balancing cost, coverage, and customer service. Here’s how American Family stacks up against major competitors.
Rate Comparison: American Family vs. Major Competitors
| Company | Full Coverage Annual Rate | Minimum Coverage Annual Rate | National Ranking |
| USAA* | $1,499 | $381 | Best for military families |
| Travelers | $1,714 | $541 | 5-star NerdWallet rating |
| GEICO | $1,983 | $489 | Strongest overall value |
| Progressive | $2,162 | $649 | Good for high-risk drivers |
| State Farm | $2,142 | $485 | 5-star NerdWallet rating |
| American Family | $2,559 | $803 | 5-star NerdWallet rating |
| Nationwide | $2,700 | $958 | Above-average rates |
| Allstate | $2,927 | $750 | Premium pricing |
| Farmers | $3,874 | $1,222 | Highest rates |
USAA available only to military members, veterans, and their families
Source: NerdWallet October 2025 analysis based on 35-year-old driver with clean record and good credit
When American Family Offers Competitive Rates
American Family shines for specific driver profiles:
✓ Drivers with DUIs: Ranks 16th nationally for affordability (11% below national average)
✓ Newer vehicle owners: 6% below average for 2025 model years
✓ Drivers with speeding tickets: 11% below national average
✓ At-fault accident on record: Competitive but not exceptional
✗ Where American Family Falls Short:
- Drivers with poor credit (47% above national average)
- Minimum coverage seekers (28% above national average)
- Young drivers (ranks 21st for affordability)
The Smart Way to Compare
Don’t just look at average rates. Get personalized quotes from at least 3-5 companies based on your exact profile:
- Enter accurate information about your vehicle and driving history
- Request identical coverage limits from each insurer
- Compare not just price, but also coverage options and customer service ratings
- Review discount opportunities (American Family offers 12+ discount types)
Pro tip: American Family customers report excellent experiences with local agents but mixed results with corporate customer service. If personalized service matters to you, this could be a deciding factor.
10 Proven Tips to Lower Your American Family Auto Insurance Costs
American Family offers up to 40% in potential savings through various discount programs and smart policy management strategies.
Discount Opportunities
1. Multi-Policy Bundling (Up to 40% savings) Bundle your auto insurance with home, renters, or life insurance policies. This represents American Family’s largest single discount opportunity.
2. Usage-Based Insurance Programs (Up to 30% total savings)
KnowYourDrive: Monitors speeding, hard braking, and distracted driving. Your rates won’t increase for unsafe driving, but you could save up to 20% for safe habits.
DriveMyWay: Similar to KnowYourDrive but with one critical difference, your rates can increase if you demonstrate risky driving behaviors. However, safe drivers save up to 20%.
MilesMyWay: Pay-per-mile insurance for drivers covering less than 8,000 miles annually. Doesn’t monitor driving behaviors, only mileage.
Important: All programs offer a 10% enrollment discount just for participating.
3. Multi-Vehicle Discount (Variable savings) Insure multiple vehicles on the same policy. The more vehicles, the greater the discount percentage.
4. Good Student Discount (Variable savings) Full-time students ages 16-25 maintaining a B average (3.0 GPA) or ranking in the top 20% of their class qualify.
5. Good Driving Record Discount (Variable savings) Remain accident-, violation-, and claim-free for five consecutive years.
6. Defensive Driving Course (Variable savings) Drivers 55 and older who complete an approved defensive driving course receive ongoing discounts.
7. Low Mileage Discount (Variable savings) Drive fewer than 7,500 miles per year? American Family rewards reduced road time.
8. Safety Equipment Discount (Variable savings) Vehicles equipped with factory-installed airbags, anti-theft systems, and advanced safety features cost less to insure.
9. Young Driver Specialty Discounts
- Distant Student Discount: Car parked at home while attending school 100+ miles away (driver must be under 25)
- Volunteer Work Discount: Complete 40 hours of annual volunteer work for a nonprofit (under 25 only)
- Generational Discount: Young drivers whose parents are American Family customers
10. Payment and Policy Management Discounts
- Early quote discount (get quote 7+ days before policy start)
- Paperless billing discount
- Automatic payment discount
- Pay-in-full discount
Additional Cost-Reduction Strategies
Raise Your Deductibles: Increasing your deductible from $500 to $1,000 can reduce premiums by 15-30%. Ensure you have emergency savings to cover the higher out-of-pocket cost if needed.
Review Coverage Annually: As your vehicle ages, comprehensive and collision coverage may no longer make financial sense. Consider dropping these coverages once your car’s value drops below $3,000-$4,000.
Improve Your Credit Score: Since credit significantly impacts rates, improving your score by even one tier could save hundreds annually. This is a long-term strategy but pays dividends across all insurance types.
Ask About Accident Forgiveness: American Family offers accident forgiveness through two paths:
- Purchase it as an add-on if you meet eligibility requirements
- Earn it automatically by maintaining an excellent driving record as a policyholder
Once activated, your rates won’t increase after your first at-fault accident.
American Family Auto Insurance Coverage Options: What’s Included
Understanding available coverage helps you build a policy that protects your assets without paying for unnecessary extras.
Standard Coverage Types
Liability Coverage (Required in most states): Pays for injuries and property damage you cause to others. American Family offers flexible limits beyond state minimums.
Collision Coverage: Covers damage to your vehicle from accidents with other vehicles or objects, regardless of fault.
Comprehensive Coverage: Protects against non-collision incidents: theft, vandalism, weather damage, animal strikes, and falling objects.
Uninsured/Underinsured Motorist Coverage: Protects you when hit by a driver without insurance or insufficient coverage to pay for damages.
Medical Payments Coverage/Personal Injury Protection: Covers medical expenses for you and your passengers regardless of fault.
American Family Specialty Coverage Add-Ons
Gap Insurance (Auto Lease/Loan Protection): Critical for financed or leased vehicles. If your car is totaled, gap insurance pays the difference between your vehicle’s actual cash value and your remaining loan/lease balance. Without this, you could owe thousands on a car you can no longer drive.
Example: You owe $25,000 on your car loan, but the vehicle’s value is only $20,000 when totaled. Gap insurance covers the $5,000 difference.
Rideshare Insurance: Essential for Uber and Lyft drivers. Your personal auto policy typically excludes coverage while your rideshare app is on. American Family’s rideshare coverage fills this gap, though availability varies by state.
Original Equipment Manufacturer (OEM) Coverage: Ensures repairs use parts made by your vehicle’s manufacturer rather than aftermarket alternatives. This maintains your car’s value and warranty compliance.
New Car Replacement: Available only for brand-new vehicles during the first year. If your new car is totaled, you receive enough to purchase a new vehicle of the same make and model, not just the depreciated value.
Accidental Death and Dismemberment Coverage: Pays benefits if a car accident causes death or severe injuries like limb loss, regardless of fault.
Rental Reimbursement: Covers rental car costs while your vehicle is in the shop for a covered claim, up to your policy’s daily and total limits.
24/7 Emergency Roadside Assistance: Covers towing, battery jumps, tire changes, fuel delivery, locksmith services, and minor roadside repairs. Available with a single call to 1-800-MYAMFAM.
Pet Coverage: A unique offering that covers veterinary expenses if your dog or cat is injured during an accident or while your vehicle is stolen.
Accident Forgiveness Two qualification paths:
- Switch from another insurer with five years of accident-free driving
- Maintain an excellent driving record as an American Family policyholder
Mistakes to Avoid When Choosing American Family Auto Insurance
Even with competitive rates and solid coverage, certain pitfalls can lead to overpaying or underinsuring yourself.
Common Policy Mistakes
Mistake 1: Accepting the First Quote Without Shopping: American Family may offer competitive rates for your profile, but you won’t know without comparing. Get quotes from at least 3-5 carriers; rates can vary by hundreds or thousands of dollars for identical coverage.
Mistake 2: Focusing Only on Price: American Family ranks below average in J.D. Power’s 2024 Auto Claims Satisfaction Study (692 vs. the national average) and 62nd out of 97 insurers in CRASH Network’s 2025 report (C+ grade). Consider claims handling reputation, not just premium costs.
Mistake 3: Buying Minimum Coverage Without Understanding Gaps: At $803 annually for minimum coverage (28% above the national average), American Family isn’t competitively priced here. More importantly, minimum coverage often leaves you financially exposed. A serious accident could result in tens of thousands in out-of-pocket costs.
Mistake 4: Ignoring Usage-Based Programs: American Family offers three telematics options but comes with important distinctions:
- KnowYourDrive: Rates won’t increase for poor driving (safest option)
- DriveMyWay: Rates can increase for risky behaviors (higher risk)
- MilesMyWay: Only tracks miles, not behaviors (best for low-mileage drivers)
Many drivers overlook these programs despite potential savings of 20-30%.
Mistake 5: Not Reviewing Your Policy Annually: Life changes affect insurance needs and rates. Marriage, vehicle changes, home purchases, and improved credit scores all warrant policy reviews. American Family customers report premium increases averaging 40-49% over time without claims; annual review helps catch unjustified hikes.
Mistake 6: Overlooking State-Specific Limitations: American Family operates in only 19 states. If you move outside their service territory, you’ll need new coverage. Additionally, rideshare insurance isn’t available in all 19 states where they operate.
Mistake 7: Assuming Good Credit Doesn’t Matter: American Family penalizes poor credit more than many competitors; rates can be 47% higher. If you have credit challenges, prioritize improving your score or shop competitors with less aggressive credit-based pricing.
Mistake 8: Not Asking About Claim Settlement Practices: Customer reviews reveal inconsistent claims experiences. Some report excellent service and fair settlements, while others cite:
- Delayed responses (3+ weeks for damage assessments)
- Lowball settlement offers
- Poor communication during investigations
- Policy cancellations after filing legitimate claims
Ask potential agents about their personal claims handling philosophy and track record before buying.
Mistake 9: Overlooking Local Agent Benefits: American Family receives praise for responsive local agents but criticism for corporate customer service. Developing a relationship with a local agent often leads to better claims advocacy and personalized service; don’t default to online-only management.
Mistake 10: Not Understanding Accident Forgiveness Terms: American Family offers accident forgiveness, but eligibility varies. Some customers automatically qualify after maintaining clean records; others must purchase it separately. Clarify qualification criteria before assuming you’re covered.
American Family Auto Insurance Customer Experience: What Real Policyholders Say
Customer satisfaction data reveals a company excelling in certain areas while struggling in others, important context when choosing your insurer.
Industry Ratings and Rankings
Financial Strength (Excellent)
- AM Best: A (Excellent) – Strong ability to meet financial obligations
- S&P Global: A (Excellent) – Strong financial security characteristics
- Moody’s: A2 (Upper-Medium Grade) – Good financial security despite 2024 downgrade
Customer Satisfaction (Mixed Results)
J.D. Power Studies:
- Auto Insurance Shopping: 556/1,000 (3rd place) – Above average shopping experience
- Digital Service Experience: 715/1,000 (Tied 3rd) – Above average digital tools
- Auto Claims Satisfaction: Below national average – Inconsistent claims handling
- Overall Customer Satisfaction: Above average in multiple regions, particularly Central (674/1,000)
Complaint Data:
- NAIC Complaint Index: 0.47-0.87 (Well below 1.00 average) – Significantly fewer complaints than expected for company size
- Better Business Bureau: A+ rating but only 1.13/5 stars in customer reviews
CRASH Network 2025 Report: 62nd out of 97 insurers (C+ grade) – Below-average claims satisfaction
Real Customer Experiences: The Good
Pricing and Initial Value: “I’ve been shopping for car insurance for weeks, and American Family came in way below everyone else for my DUI from three years ago. Saved almost $1,200 a year compared to Progressive.” – Reddit user, Illinois
Agent Service: “Insurance agents are always very helpful in answering questions and filing claims. Quick response and payments when needed.” – Customer forum review
Simple Claims (When They Go Right): “I had an awesome experience with American Family. My wife and I were rear-ended by an uninsured driver near Chicago… American Family’s claims department was actually able to chase down the other party and get us compensated.” – Customer review, 2024
Digital Tools: “The AmFam app gives you easy access to all policy documents, and you can use it to obtain a quote and manage payments. You can also file and manage claims through the app.” – App store review
Real Customer Experiences: The Concerning
Dramatic Rate Increases: “I have been an American Family customer for a long time. My car insurance premium is up 146%!!! We did not have any traffic tickets or any car accidents in the past 20 years. The mileage is about 3500/year. This increase is awful and ridiculous.” – Customer complaint, 2024
“I have had all my insurance (primary home, lake cabin, cars, boats, boat dock, boat house, golf cart) all insured with American Family for the past nine years. I have had NO claims in those nine years. This past April I received the quote for my primary home for 2024-2025. The rate went UP an astounding 49%. 49% with NO claims. I am very upset.” – Customer review, 2024
Complex Claims Issues: “We were rear-ended by an insured with American Family. It has been 3 weeks and we received an estimate from them for 12k. Our Tesla has structural damage and the estimate is $17,500. This is ridiculous, especially since they sent us to a shop that can’t work on Teslas.” – Reddit user, 2024
Policy Cancellations: “In one year, 2024, we had a stolen Kia car, a damaged roof and ice dam damage from the roof. We expected our insurance cost would go up, but instead, we were dropped by AmFam. We were always an on-time paying customer. It really shows AmFam is not in the business of insuring people’s belongings but is a machine to take your money.” – Customer complaint, 2024
Customer Service Inconsistency: “I am extremely dissatisfied with the service I have received from American Family. When I contacted customer service, I was repeatedly informed that the payment was ‘returned by my bank,’ despite my repeated explanations that the account had been closed months prior. The lack of comprehension and inability to address the issue was incredibly frustrating.” – BBB review, 2024
Mobile App Experience
MyAmFam App (Main App):
- iPhone: 4.7/5 stars – Generally positive reviews
- Android: 3.4/5 stars – Complaints about login failures, crashes, inability to access policies
MyAmFamDrive App (Telematics):
- iPhone: 4.4/5 stars – Mostly smooth experience
- Android: 3.9/5 stars – Issues with overly-sensitive hard braking detection
Key Takeaway: If you have an Android device, expect potential technical frustrations. American Family’s iOS apps perform significantly better.
How to File a Claim with American Family Auto Insurance
Understanding the claims process before you need it helps set realistic expectations and ensures faster resolutions.
Four Ways to File a Claim
1. Online Through Website
- Fastest method according to American Family
- Available 24/7
- Upload photos and documentation directly
- Track claim status in real time.
2. MyAmFam Mobile App
- File claims from accident scene
- Take and upload photos immediately
- GPS location automatically recorded
- Receive claim updates via push notifications
3. Phone: 1-800-MYAMFAM (1-800-692-6326)
- Available 24/7/365
- Speak with claims representative immediately
- Best for complex accidents or injuries
- A representative guides you through documentation needs
4. Local Insurance Agent
- In-person claim filing
- Personal advocacy throughout process
- Best for customers preferring face-to-face interaction
- The agent can explain coverage and next steps
Claims Timeline Expectations
Minor Vehicle Repairs:
- Initial contact to inspection: 1-3 days
- Inspection to payment: 1-2 days
- Total timeline: 2-5 days for straightforward claims
Major Accidents or Total Losses:
- Initial assessment: 3-7 days
- Investigation and documentation: 1-3 weeks
- Settlement negotiation: Variable (can extend 4-8 weeks)
- Total timeline: 2-8+ weeks depending on complexity
Injury Claims:
- Medical documentation review: 2-4 weeks
- Liability investigation: 2-6 weeks
- Settlement negotiation: Variable (often 2-6 months)
- Total timeline: Several months for serious injury claims
Tips for Smoother Claims
Document Everything Immediately
- Photos of all vehicles and property damage
- Witness contact information
- Police report number
- Road/weather conditions
- Time and location details
Report Claims Promptly
Most policies require “prompt” or “timely” reporting. Don’t wait; file within 24-48 hours when possible.
Keep Detailed Records
- Save all communication with adjusters
- Document phone call dates, times, and discussion points
- Keep copies of all submitted documentation
- Track mileage and expenses related to the claim
Understand Your Coverage
Review your policy before filing. Know your deductibles, coverage limits, and what’s excluded. This prevents surprise denials and sets realistic expectations.
Consider Your Agent as an Advocate
Local American Family agents often advocate for policyholders during complex claims. If you encounter resistance from corporate claims adjusters, loop in your agent.
Get Multiple Repair Estimates
Don’t accept the first repair estimate if it seems low. You have the right to obtain independent estimates, especially for significant damage.
American Family Auto Insurance: Bottom Line
American Family auto insurance earns a 5-star NerdWallet rating and delivers solid value for specific driver profiles, but it’s far from a universal best choice.
Who Should Seriously Consider American Family?
✓ Drivers with DUIs – Competitive rates 11% below national average
✓ Drivers with speeding tickets – Rates 11% below national average
✓ Newer vehicle owners – Below-average rates plus OEM coverage
✓ Customers valuing local agent relationships – Strong agent service reputation
✓ Households with multiple vehicles – Good bundling discounts up to 40%
✓ Families with teen drivers – Four teen-specific discounts including volunteer work credit
✓ Safe, low-mileage drivers – Three telematics programs offering 20-30% potential savings
Who Should Look Elsewhere?
✗ Drivers with poor credit – Rates can be 47% higher than good credit counterparts
✗ Drivers with at-fault accidents – Rates 10% above national average
✗ Budget-conscious minimum coverage buyers – 28% above national average for state minimums
✗ Residents outside 19 service states – Simply not available
✗ Android users relying heavily on mobile apps – Technical issues common on Android platform
✗ Drivers requiring top-tier claims satisfaction – Below-average J.D. Power claims ratings
Making Your Decision
Don’t choose American Family (or any insurer) based solely on averages. Insurance pricing is highly individualized; your specific rate could be dramatically different from published averages.
Follow this decision framework:
- Get personalized quotes from 3-5 insurers (including American Family if you’re in their service area)
- Compare identical coverage levels across all quotes
- Research claims satisfaction for your top 2-3 choices
- Interview local agents if personalized service matters
- Review discount opportunities you actually qualify for
- Read recent customer reviews focused on claims experiences
- Verify coverage availability for any specialty needs (rideshare, OEM parts, etc.)
The verdict: American Family succeeds as a solid, middle-tier insurer with standout strengths in customer experience and coverage variety but fails to be the absolute cheapest for most drivers. It’s worth quoting, especially if you have a DUI, speeding ticket, or newer vehicle, but should always be compared against GEICO, State Farm, and Progressive for your specific profile.
Rates change daily; see what you qualify for today. Get your personalized quote to discover if American Family delivers the right combination of price, coverage, and service for your unique situation.
Comprehensive FAQ: Your American Family Auto Insurance Questions Answered
Is American Family auto insurance a good company?
Yes, American Family is a legitimate, financially strong insurer rated A (Excellent) by AM Best and earning 5 stars from NerdWallet. The company ranks 8th nationally for customer experience and receives far fewer complaints than expected for its size (NAIC index: 0.47-0.87 vs. 1.00 average). However, claims satisfaction is below average, ranking 62nd out of 97 insurers in CRASH Network’s 2025 report. It’s “good” but not exceptional, particularly strong for drivers with DUIs, speeding tickets, or newer vehicles, but weak for those with poor credit or at-fault accidents.
What states does American Family operate in?
American Family sells auto insurance in only 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin. If you live outside these states or plan to move soon, you’ll need coverage from another provider.
How much does American Family auto insurance cost?
Average costs vary significantly by profile:
- Minimum coverage: $604-$803 annually (depending on source, 28% above national average)
- Full coverage (clean record): $1,936-$2,559 annually (up to 19% below national average)
- Full coverage (DUI): $3,091 annually (11% below national average)
- Full coverage (at-fault accident): $3,098 annually (10% above national average)
- Full coverage (poor credit): $2,820-$3,588 annually (up to 47% above good credit rates)
Your actual rate depends on age, location, vehicle, driving history, and credit score.
Is American Family cheaper than GEICO, State Farm, or Progressive?
For full coverage with a clean record:
- GEICO: $1,983/year (American Family is 3-29% more expensive)
- State Farm: $2,142/year (American Family is 10-20% more expensive)
- Progressive: $2,162/year (American Family is 10-18% more expensive)
However, for drivers with DUIs or speeding tickets, American Family often beats all three. Always get personalized quotes; individual rates vary dramatically from averages.
What types of coverage does American Family offer?
American Family provides all standard coverage types plus several specialty options:
- Standard: Liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, PIP
- Specialty add-ons: Gap insurance, rideshare coverage, OEM parts coverage, new car replacement, accident forgiveness, rental reimbursement, roadside assistance, pet injury coverage, accidental death and dismemberment
The breadth of options earns them an 11th-place national ranking for coverage variety.
Does American Family offer rideshare insurance?
Yes, but not in all 19 states where they operate. Rideshare coverage fills the gap while your Uber/Lyft app is on but you haven’t accepted a ride yet, a period when personal policies typically exclude coverage and rideshare companies provide limited protection. Contact a local agent to confirm availability in your state.
Final Recommendation: Is American Family Auto Insurance Right for You?
American Family auto insurance represents a solid, middle-tier choice that excels for specific driver profiles while falling short for others. It’s not the cheapest option for most drivers, but it delivers a strong customer experience, comprehensive coverage options, and particularly competitive rates for high-risk drivers.
Quick Decision Framework
✓ Get a quote from American Family if you:
- Have a DUI on your record
- Have received a speeding ticket
- Own a newer vehicle (2022+)
- Drive fewer than 8,000 miles annually
- Have multiple vehicles to insure
- Value local agent relationships
- Live in one of their 19 service states
- Want specialty coverage (gap, OEM, rideshare)
✗ Look elsewhere if you:
- Have poor credit (47% rate penalties)
- Recently had an at-fault accident
- Only need state minimum coverage
- Live outside their 19-state territory
- Rely heavily on Android mobile apps
- Prioritize top-tier claims satisfaction
The Smart Shopping Strategy
- Get personalized quotes from 3-5 insurers, including American Family (if available in your state), plus GEICO, State Farm, Progressive, and one regional carrier
- Request identical coverage levels across all quotes for accurate comparisons
- Ask about available discounts you actually qualify for; averages don’t reflect your unique situation
- Research claims satisfaction through J.D. Power, NAIC complaint data, and recent customer reviews
- Interview local agents if you value personalized service; American Family excels here
- Review policy terms carefully before signing, particularly accident forgiveness, rental limits, and deductible amounts
- Set annual calendar reminders to review your policy and shop competitors every 2-3 years
Remember: Insurance rates are highly individualized. Your quote could be dramatically different from published averages. The only way to know if American Family offers you the best value is to get your personalized quote and compare it against competitors.
Your next step: Enter your ZIP code below to see if American Family operates in your state and get a free, no-obligation quote. Compare it against at least two other carriers before making your final decision.
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