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American Family Auto Insurance Review

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American Family Insurance is a Wisconsin-based provider of many types of insurance, including auto.

Established in 1927, they've maintained their commitment to fully customizable plans that are relevant to an applicant’s needs and geographic location.

Affordability is a priority of theirs as well, with a litany of discounts on offer.

How is American Family rated?

Breakdown

4.5/5
Coverage
4.5/5
Financial Strength
0.0/5
Supplemental Coverage
5.0/5
Pricing & Discounts
4.0/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 4.4 / 5 (Excellent)

American Family’s most positive element is its highly-rated service interactions.

Otherwise, the company offers fairly average discount and coverage options.

Likewise, its 3rd party ratings are solidly unremarkable, both in terms of overall financial strength and customer experience.

By and large, potential customers are advised to compare American Family’s quotes with other companies before making a decision.

American Family Coverage

Basic Coverage

  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments

Additional Coverage

  • Rental Reimbursement

Coverage - 4.5 / 5

American Family offers a somewhat standard suite of car insurance coverage options, with features such as property damage, collision, and personal injury.

The company is a little light in the area of additional benefits, only including rental car reimbursement.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.64
NAIC Total Complaints 2020
38

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
0
Date Collected
2017-11-10
*The NAIC Car Insurance complaint ratio (in this case 0.64) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 4 / 5

American Family’s customer experience is solidly reinforced by its remarkably low complaint ratio and A rating from the Better Business Bureau.

Unfortunately, while American family scores highly in regards its service interactions, the rest of the categories are not so remarkable.

Financial Strength

Key Details

Premiums Written 2020
$3,877,099,111
Marketshare
1.87%
AM Best Financial Rating
A
Standard & Poor's Financial Rating
A

Financial Strength - 4.5 / 5

American Family has a relatively strong financial reputation, with dual A grades from Standard and Poor's and AM Best.

What's more, the company has been in operation since 1927 and has a solid market share compared to many of the other carriers we evaluate.

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Vehicle Safety
  • Student
  • Bundled Policy

Pricing & Discounts - 5 / 5

American Family’s discounts fall into three categories-driver, vehicle, and policy.

Driver-based discounts are determined on whether the driver is a student and/or possesses a safe driving record.

Their sole vehicle discount is determined by the safety of the insured car in question.

Lastly, people can qualify for American Family’s policy discounts by covering multiple vehicles and/or bundling policies with the company.

Contact & Additional Information

Homepage URL
Company Phone
(800) 692-6326
Headquarters Address
6000 American Parkway, Madison, WI, 53783
Year Founded
1927

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Customer Comments & Reviews

Loading Reviews ...
phpinkston
2/19/2020
I've been a customer since 1987. I was always pleased until these last few years. I was involved in 2 accidents in the last year, rear ended once t-boned once. Both cases was the other drivers' fault. 1st claim American Family did almost nothing to help get my expenses from the other insurance company. It took 3 months just to get contact info. The claim took a year to settle. The 2nd claim had AmFam taking 26 days to decide to total my vehicle. I was reimbursed within a few months but now I can't get insurance anywhere else. Why you ask? AmFam didn't get reimbursed for everything they claimed so the claim went to arbitration. I can't get coverage until the claim is closed. On... Read More


C
CV
2/4/2020
I'm not even going to get into what this insurance company is. Their employees such as adjusters and claim consultants mush have barely graduated from high school because the claims consultant i spoke with told me that speed of a vehicle can't be determined using the skids marks left behind at an accident. SERIOUSLY???!!!!!!!!! Who hired that guy? Please listen to my advice and stay away from this insurance company. They ARE NOT on your side. Also very cheap when trying to repair your car. Not sure how they are still in business.


Gary W
9/10/2019
In the past 10 years I had three claims to repair 2 comprehensive damage and one not at fault collision damage to my auto. In all three repair processes it was an uphill battle to get repairs processed. American Family's administrative management is embarrassing. I felt sorry for the repair shop let my aggravation. Their claims adjuster's that came to look at the car missed probably 50% of the damage. When I made this known they told me not to worry about because supplementals submitted by the body shop will take care of it. I warned them of management pitfalls however they stated their process is automated and everything will be quickly taken care of. To not draw this out this once great... Read More


B
Bart F
11/19/2018
Every year I get notices whereby they decrease the insurance coverage while demanding the same premium. This year they started charging for towing whereas I never paid for that before. But the worst aspect is where they compel me to insure the house for more than the cost to rebuild it. Even if the assessed valuation has nothing to do with rebuilding costs, they still raise the premium. This is what happens when degregulation takes over.


J
J B
1/28/2018
Out of the 23 - 24 years of having their insurance, had to use them very little. Then get is an accident with someone who has same insurance, other party sited. They total my car, and low ball me a price. I counter the offer, they do not want to budge, AT ALL! Not even $1.00 over. This is still on going, when it is over I will write another review, but for now since it is almost a month into it... I am giving them one star. I am VERY disappointed. Wish I would have known this 24 years ago. At this point, I am researching for a new insurance company. They are not worth the money I have spent.



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