American Family
- Fewer customer complaints than expected for a company its size for auto and life insurance.
- Many coverage types offered.
- Wide range of discounts.
- Not available in all states.
NerdWallet's take on American Family auto insurance
American Family earned 4.9 stars out of 5 for overall performance, according to our analysis.
Best for: Drivers who want the perks offered a by large car insurer should consider American Family. Drivers with poor credit may want to take a look as well.
Not ideal for: Drivers looking for the cheapest rates might need to consider another insurance company.
Where American Family car insurance stands out
Customer experience. American Family receives fewer consumer complaints than expected for an insurer of its size. It also scored better than average on two J.D. Power studies about consumer satisfaction.
Coverage options. American Family offers more auto insurance coverage options than many other insurers, including rideshare insurance, gap insurance and original equipment manufacturer coverage.
Discounts and usage-based programs. American Family offers more discounts than most other companies, as well as two different discounts for sharing your driving data with the company.
Where American Family car insurance falls short
State availability. American Family car insurance is available in less than half of U.S. states.
That said, American Family also sells policies through a partnership with Costco. The American Family-branded car insurance you get through Costco isn’t quite the same as what you buy directly from AmFam. But it could allow you to get an American Family policy if you’re a Costco member and you live in a state where American Family is otherwise unavailable.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
How much does American Family car insurance cost?
American Family car insurance costs an average of $217 per month or $2,607 per year for a full coverage policy with comprehensive and collision insurance, according to NerdWallet’s November 2025 analysis. The national average is $2,300 per year.
You might be able to find cheap full coverage from American Family (or another insurance company), but it depends on your age, driving record, location and the amount of coverage you want.
Our analysis also found that American Family car insurance costs an average of $67 per month or $803 per year for minimum coverage. The national average is $627 per year.
American Family car insurance rates vs. other large insurers
On average, the cost of car insurance from American Family is usually in the middle of the pack when compared to large auto insurance companies. While American Family is often a relatively affordable option, it might not have the cheapest car insurance for you.
It’s worth comparing car insurance quotes from more than one company when you shop. That way, you can be more confident that you’re getting a good deal.
Below are average annual rates for a full coverage policy for a 35-year-old driver with a clean driving history and good credit.
American Family car insurance rates by age
We rated American Family highly for car insurance, but it won’t be the best option for drivers of every age. One reason is because your insurance needs will change as you get older. As your needs change, the best car insurance company for you does as well.
Your car insurance rates also change over time. As you gain driving experience, insurers may lower your rates if they see you as less likely to drive recklessly than someone who’s newly licensed. After a few years, a company that was an expensive option for car insurance while you were young may become your cheapest option.
» MORE: Car insurance rates by age
20-year-olds
American Family: $4,870/year National: $4,684/year
The average cost of American Family car insurance for 20-year-old drivers is $4,870 per year, or $406 per month. That's compared to the national average for this age group, which is $4,684 per year, or $390 per month.
American Family’s rates for young drivers are often in line with the average, as well as the prices of other large insurance companies — though it depends on where you live and other factors.
While rates are often high at this age, it’s usually cheaper for newly licensed teens or young adults to join a parent or guardian’s existing policy.
40-year-olds
American Family: $2,591/year National: $2,232/year
The average cost of American Family car insurance for 40-year-old drivers is $2,591 per year, or $216 per month. That's compared to the national average for this age group, which is $2,232 per year, or $186 per month.
American Family’s average rates tend to be in line with those of other large auto insurance companies.
60-year-olds
American Family: $2,394/year National: $1,988/year
We found that the average cost of American Family car insurance for 60-year-old drivers is $2,394 per year, or about$200 per month, while the average rate for senior drivers this age is $1,988 per year, or $166 per month.
At this age, your rates may be cheaper than at any other point in your life. But you should prepare for costs to creep up a little bit each year when you’re older.
- More American Family auto rates by age
Age Company median rate National median rate 20 $4,870 $4,684 30 $2,627 $2,375 35 $2,607 $2,300 40 $2,591 $2,232 50 $2,411 $2,074 60 $2,394 $1,988 70 $2,559 $2,125
American Family car insurance rates by driver profile
Car insurance almost always becomes more expensive after an accident or driving violation. In most states, you could also pay higher rates if you have no credit or a low credit score.
It’s a good idea to shop for car insurance once a year before renewing your policy, especially if your driving record or credit score changes. That’s the best way to find car insurance premiums that fit in your budget.
Poor credit
American Family: $3,915/year National: $3,850/year
The average cost of American Family car insurance for drivers with poor credit is $3,915 per year, or $326 per month, while the national average for someone with poor credit is $3,850 per year, or $321 per month.
You may not be aware of this, but your credit score can be one of the more important factors used to set your rates. Even if you’ve got a good record, a low credit score can lead to more expensive car insurance.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket
American Family: $3,136/year National: $2,931/year
The average cost of American Family car insurance for drivers with a speeding ticket is $3,136 per year, or $261 per month. The national average is $2,931 per year, or $244 per month.
Insurance companies usually treat speeding tickets differently than other violations. While a speeding ticket may cause your rates to go up, some insurers won’t increase your insurance costs after a single ticket.
At-fault crash
American Family: $3,402/year National: $3,405/year
The average cost of American Family car insurance for a driver with an at-fault crash is $3,402 per year, or $284 per month. The national average is $3,405per year, or $284 per month.
Your rates after an accident will likely stay higher than average for three to five years. This is common with most insurers (including American Family).
DUI
American Family: $3,427/year National: $4,265/year
The average cost of American Family car insurance for a driver with a DUI is $3,427 per year, or $286 per month. The national average is $4,265per year, or $355 per month.
If you’re concerned about the cost of car insurance after a DUI, it’s worth getting multiple quotes, since some insurers are much cheaper than others.
American Family auto insurance discounts
American Family offers auto insurance discounts that could help bring down your insurance costs. Depending on where you live, you might be able to save by:
Bundling your auto insurance with another American Family policy.
Insuring multiple vehicles with American Family.
Not having any accidents, claims or driving violations on your record.
Switching to American Family from another insurance company.
Getting an American Family quote at least seven days before your policy takes effect, if you’re switching from another insurer.
Owning a vehicle with air bags.
Completing a defensive driving course for drivers 55 and older.
Driving fewer than 8,000 miles per year.
Earning at least a “B” average in high school, college or technical school.
Being under 25 and attending school while your car is parked at least 100 miles away.
Completing 40 hours of volunteer work a year for a nonprofit if you’re under 25 years old.
Becoming an American Family customer with a parent who is also an American Family customer.
Going paperless, setting up automatic payments or paying your premium in full, upfront.
Remaining with American Family over time.
If you’re looking for the cheapest auto insurance rates possible, you would have to get the minimum car insurance that your state requires. But doing this can leave you uninsured after a serious accident.
American Family car insurance coverage
American Family’s full coverage car insurance includes the standard types of coverage that most insurers offer:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
American Family offers a few other types of car insurance that you can add to your policy for an extra cost, such as:
Accident forgiveness coverage. This coverage keeps your rates from going up after your first accident. American Family doesn’t offer this coverage to everyone, and some drivers may earn it as a perk without having to buy it.
Who needs it? It’s worth considering accident forgiveness if you qualify and it fits in your budget. It could help you avoid seeing your insurance costs go up by hundreds of dollars per year after an accident.
Accidental death and dismemberment coverage (AD&D). This coverage helps pay for the cost of certain serious injuries or a death that happens because of a car accident, regardless of fault.
Who needs it? If the price fits within your budget, AD&D could be worth carrying. You may also want to consider it if you don’t have health insurance. Before you buy, make sure you understand the injuries that your policy would cover, and the amount it would pay out.
Gap insurance. If you total a car you were leasing or paying off, gap insurance will help cover the difference between your car’s value and the remainder of your loan or lease.
Who needs it? Your car’s loan or lease likely requires you to get gap insurance. If you have the choice, it could be worth buying to avoid having to cover the cost of a loan after a serious accident.
Original equipment manufacturer (OEM) coverage. If your car is damaged and you have OEM coverage, your insurer would pay to repair your vehicle with original parts rather than aftermarket ones that aren’t necessarily made by the car’s original maker.
Who needs it? If you’re fine with aftermarket parts being used in repairs, then you might not want to pay a higher premium for OEM coverage.
Rental reimbursement. If you can’t use your car after an accident, rental reimbursement will help cover the cost of other transportation, including public trains, buses or a rental car.
Who needs it? Rental reimbursement could be an easy way to ensure that you can still get around if your car ever needs to be repaired, especially if you regularly use your car and don’t have another alternative.
Rideshare insurance. Your regular car insurance won’t cover you while you drive for Uber or Lyft. Rideshare insurance helps provide coverage while your app is on and you’re waiting for a fare.
Who needs it? If you drive for Uber, Lyft or a similar company, you might need rideshare insurance. These companies may provide some limited coverage during this time, but even that coverage is limited and sometimes unavailable.
Roadside assistance coverage. This coverage provides roadside services like tire changes, jumpstarts, gas delivery and towing.
Who needs it? Roadside assistance could be a useful add-on, but before you buy it, make sure you don’t already have a credit card or association membership (like AAA) that provides the same service.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
American Family usage-based programs
American Family offers MilesMyWay and DriveMyWay, two usage-based insurance programs that could help some drivers lower their car insurance rates. If you’re comfortable allowing American Family to track your driving behavior through an app, the savings could be worth it.
DriveMyWay: You receive a driving score that’s based on your phone use, speed, handling and the times of day you drive. When you renew your policy, you could receive a discounted rate — though risky drivers can see an increase.
MilesMyWay: You could receive a discount if you drive less than 8,000 miles a year. To qualify, you need to enroll and submit a picture of your odometer after you sign up and again before you renew your policy.
Is American Family a good insurance company?
American Family is a strong pick for car insurance compared to many other insurers. Besides its range of useful coverage options and discounts, American Family also stands out for its solid consumer experience.
Complaints: American Family gets fewer complaints than expected for an insurance company of its size.
Shopping: American Family earned an above-average score in J.D. Power’s Insurance Shopping study, which measures how users feel about the shopping experience.
Claims satisfaction: American Family ranks slightly higher than average on J.D. Power’s Auto Insurance Claims Satisfaction study, which looks at how customers feel about a company’s claims process.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
More information about American Family car insurance
There are a few ways that you can reach American Family if you have questions about your policy or need to make a claim.
Customer service: Call 1-800-MY-AMFAM to speak with American Family’s customer service or to file a claim.
Website: American Family’s website compares well to other insurers’ sites. You can get a quote, contact your agent, and file and track a claim.
Mobile app: The American Family app lets you manage your policy, make payments, file and monitor claims, contact customer support, and call for roadside assistance, along with other features.
Other American Family insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How do I get a quote from American Family?
How do I get a quote from American Family?
You can start a quote from American Family’s website or app. If you’d rather talk through your options, you can find an agent near you using American Family's site or call the company directly at 800-MYAMFAM.
How do I file a claim with American Family?
How do I file a claim with American Family?
You can file a claim online, over the phone or by using the American Family app.
Does American Family sell insurance in all states?
Does American Family sell insurance in all states?
No. American Family currently serves the following states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Insurance Shopping Study. Accessed Dec 19, 2025.
- 2.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2022 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
Auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were GEICO customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
