American Family Auto Insurance Review

Last Updated on January 8, 2026

American Family Insurance (often called AmFam) is a mutual insurance company headquartered in Madison, Wisconsin. Founded in 1927, American Family sells auto insurance primarily through exclusive agents and is best known for a strong “agent + claims support” experience—especially for drivers who prefer help choosing coverages instead of a DIY-only approach.

The biggest downside is simple: availability. American Family-brand auto insurance is offered in a limited number of states, so some drivers will need to compare alternatives if they live elsewhere.

American Family Auto Insurance at a Glance

Where American Family Auto Insurance Is Available

American Family sells American Family-brand auto insurance in the following states. (Coverage options, discounts, and availability can vary by state.) You can also confirm availability on American Family’s state-by-state page here: Car Insurance by State.

• Arizona
• Colorado
• Georgia
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Minnesota
• Missouri
• Nebraska
• Nevada
• North Dakota
• Ohio
• Oregon
• South Dakota
• Utah
• Washington
• Wisconsin

Outside these states? American Family Insurance Group also operates other brands and affiliate companies, which may have different availability than the American Family brand. If you’re unsure which options apply to you, it’s best to request a quote and confirm the underwriting company before you buy.

American Family Auto Insurance Coverage Options

American Family offers the core coverages you’d expect from a large carrier, plus a few add-ons that can be useful if you want more protection and convenience. Exact options can vary by state and policy form.

• Liability Coverage: Required in most states, liability insurance helps pay for injuries and damage you cause to others. Policies typically include bodily injury liability and property damage liability.
• Collision Coverage: Collision coverage helps repair or replace your vehicle after a covered crash (subject to your deductible).
• Comprehensive Coverage: Comprehensive coverage helps with non-collision losses like theft, vandalism, fire, hail, and animal strikes (subject to your deductible).
• Uninsured/Underinsured Motorist Coverage: Many drivers choose uninsured motorist coverage to protect themselves when the other driver has no insurance (or not enough). It can be especially valuable after a hit-and-run.
• Gap Coverage: If you lease or finance a newer vehicle, gap coverage can help cover the difference between what your car is worth and what you still owe after a total loss.
• Rental Reimbursement Coverage: If your vehicle is in the shop after a covered claim, rental reimbursement coverage can help pay for a temporary replacement car (up to your selected limits).
• Emergency Roadside Assistance: You can add roadside coverage and request help through the app or by phone. Here’s our breakdown of American Family roadside assistance coverage.
• Glass/Windshield Coverage: Windshield repair or replacement is often handled under comprehensive coverage (subject to deductible and state rules). Learn more here: American Family windshield replacement.
• Accident Forgiveness: In eligible situations, American Family accident forgiveness may help reduce the impact of a first at-fault accident on your premium (eligibility varies).

Dreams Restored Program Repair Network

One standout feature on the claims side is American Family’s Dreams Restored Program (DRP), a network of partner repair shops designed to streamline the repair process. DRP repairs typically include a lifetime workmanship guarantee for as long as you own the vehicle (terms apply). You can learn more directly from American Family here: Dreams Restored Program (Car Repair).

American Family Auto Insurance Discounts

American Family offers a solid discount lineup, but what you qualify for depends on your state, driver profile, and policy setup. For a full list of common discounts, see: American Family car insurance discounts.

Some of the most common savings opportunities include:

• Multi-policy bundling: Combine auto with home, renters, or other policies for a lower total premium.
• Multi-car households: Insuring more than one vehicle on the same policy can lower the overall cost.
• Student savings: Teens and college students with strong grades may qualify for a good student discount. If a student is away at college without a car, some families may also qualify for an away at school discount.
• Pay-in-full and paperless options: Some states offer discounts for paying your policy in full or choosing electronic delivery.

Usage-Based Insurance Programs

If you’re a safe driver (or you simply drive less than average), usage-based programs can be a meaningful way to cut your premium. American Family offers options that may include safe-driving and low-mileage programs depending on your state. You can also compare your driving to how many miles the average American drives each year to see if you’re likely to benefit.

For an overview of American Family’s current usage-based options, see their official program comparison here: Usage-Based Insurance Programs. If you’re specifically considering American Family’s app-based tracking, read our guide: KnowYourDrive review.

How Much Does American Family Auto Insurance Cost?

American Family’s rates can be competitive for many drivers, but pricing varies widely by state and personal factors (age, ZIP code, vehicle, driving record, coverage limits, and deductibles). The only reliable way to know your price is to compare quotes with the same coverage options and limits.

Two situations that often cause major premium increases with any carrier—including American Family—are serious violations and at-fault losses. If you’re shopping with a record issue, start here:

• What happens with insurance if you are at fault in an accident?
• How much does insurance go up after a DUI?

Claims: How to File and What to Expect

American Family gives policyholders multiple ways to file and track a claim:

• MyAmFam app: File and track claims from your phone.
• Online account: File a claim through your account.
• Phone support: 24/7 claim support is available by phone.

You can start a claim online here: File a Claim (American Family).

Third-Party Ratings and Financial Strength

Financial strength matters because it reflects an insurer’s ability to pay claims over time. American Family is rated A (Excellent) by AM Best, with a stable outlook. You can review American Family’s public rating announcement here: AM Best Rating Announcement.

For customer satisfaction, J.D. Power publishes annual regional studies that measure insurer performance across factors like trust, price, people, ease of doing business, and digital channels. Results vary by year and region, but the study can still be a helpful benchmark when comparing carriers. Latest release: J.D. Power U.S. Auto Insurance Study.

Pros and Cons of American Family Auto Insurance

Pros

• Strong financial strength rating from AM Best
• Agent-supported experience (helpful for coverage questions and policy changes)
• Wide menu of standard coverages plus useful add-ons like accident forgiveness and rental reimbursement
• Claims tools like the MyAmFam app and Dreams Restored Program repair network
• Good discount opportunities for families, students, and low-mileage/safe drivers

Cons

• American Family-brand auto insurance is only sold in select states
• Not always the cheapest option—especially for higher-risk drivers or after recent claims
• Coverage options and discounts can be state-specific, so you may need an agent to confirm what’s available where you live

FAQs on American Family Auto Insurance

Final Word on American Family Auto Insurance

American Family is a strong choice if you live in one of its serviced states and want a policy backed by a strong financial strength rating, broad coverage options, and multiple ways to handle claims. To get the best deal, compare quotes using the same coverages and deductibles—and confirm which discounts and add-ons are available where you live.

American Family Contact Information

If you need help with a quote, policy questions, roadside assistance, or a claim, here are the most common contact options:

• Main phone line (MyAmFam): 1-800-MYAMFAM (1-800-692-6326)
• 24/7 claims support: 1-800-692-6326 (or file online)
• Emergency roadside assistance (if you have coverage): Call 1-800-692-6326 or request help through the MyAmFam app
• Online support: Customer Support
• Mailing address: 6000 American Parkway, Madison, WI 53783

For additional contact options and tips, see: American Family customer service contact number.