American Family Insurance Review & Ratings (2023)

This American Family Insurance Review will cover American Family Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The American Family Insurance A.M. Best rating is A. To compare insurance rates from the best companies in your area, enter your ZIP code below.

UPDATED: Feb 20, 2023Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 20, 2023

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Company Details
Address: 6000 American Parkway
City: Madison
State: WI
ZIP Code: 53783
Phone Number: (608) 242-4100
Fax: (877) 571-4803
Website: amfam.com
AM Best Rating: A
Fitch Rating: A+

American Family insurance is the third largest mutually held insurance company in the United States. They are primarily represented by independent agents, with 5 subsidiary companies in addition to the parent company. They are the 9th largest home insurance provider and the 10th largest provider of auto insurance.

This article provides an in-depth look at American Family Insurance, including information about the company’s history and mission, the products and services they offer, the cost of those services, the states where its services are offered, the different types of discounts available to customers, and an overview of customer reviews of the company.

Interesting Attributes of American Family Insurance:

  • American Family Insurance has been serving customers since 1927.
  • The company operates in 19 states across the US.
  • American Family Insurance offers a wide range of products and services, including car insurance, home insurance, and life insurance.

In this article, we will take a closer look at American Family Insurance, including the products and services they offer, the cost of those services, the states where their services are offered, the different types of discounts available to customers, and an overview of customer reviews of the company.

History and Mission of American Family Insurance

American Family Insurance, also known as AmFam, is an American mutual insurance company that was founded in 1927. The company was started by Herman Wittwer in Madison, Wisconsin, with the goal of providing insurance products to farmers and rural residents.

Over the years, American Family Insurance has grown to become one of the largest insurance companies in the United States, with a strong presence in 19 states across the country.

The mission of American Family Insurance is to help customers protect the things that matter most to them by providing insurance and financial products that meet their unique needs. The company is committed to providing quality products and services that are tailored to the specific needs of each customer.

The company aims to build long-term relationships with its customers by providing exceptional customer service and by being responsive and helpful when customers have questions or need assistance.

American Family Insurance also strives to be a responsible corporate citizen by giving back to the communities it serves and by promoting a culture of safety and sustainability.

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Available Products and Services at American Family Insurance

American Family Insurance offers a wide range of products and services, including car insurance, home insurance, and life insurance. The company’s car insurance policies include liability coverage, collision coverage, comprehensive coverage, and more.

American Family Insurance offers a wide range of insurance products and services to its customers. The main products and services offered by the company include:

  • Auto insurance: American Family Insurance offers a variety of auto insurance options, including liability, collision, and comprehensive coverage. The company also offers specialized coverage options for motorcycles, RVs, and boats.
  • Home insurance: American Family Insurance offers coverage options for homeowners, renters, and landlords. The company’s home insurance policies include coverage for damage to the home and its contents, as well as liability coverage.
  • Life insurance: American Family Insurance offers a variety of life insurance options, including term life insurance, whole life insurance, and universal life insurance. The company also offers accidental death and dismemberment coverage.
  • Business insurance: American Family Insurance offers a range of business insurance options, including liability insurance, property insurance, and workers’ compensation insurance.
  • Health insurance: American Family Insurance offers a variety of health insurance options, including individual and family health plans. The company also offers coverage options for prescription drugs, dental care, and vision care.
  • Umbrella insurance: American Family Insurance offers umbrella insurance, which provides additional liability coverage to protect customers’ assets in the event of a lawsuit.

Home insurance policies include coverage for your home, personal property, and liability. Additionally, American Family Insurance offers life insurance policies, including term and permanent life insurance.

Cost of American Family Insurance

The cost of American Family Insurance’s products and services will vary depending on a number of factors, including the type of coverage, the amount of coverage, and the location.

For example, the cost of auto insurance will vary depending on the type of coverage selected (liability, collision, comprehensive, etc.), the make and model of the vehicle, the driver’s age, driving history, and location.

Similarly, the cost of homeowners insurance will vary depending on the type of coverage selected, the value of the home and its contents, the location, and the age of the home.

It is important to note that the cost of insurance can vary greatly depending on the location. Insurance costs are often higher in densely populated areas, where there is a higher risk of accidents, theft, and other types of claims. Similarly, insurance costs can be higher in areas that are prone to natural disasters, such as hurricanes, tornadoes, and earthquakes.

It’s worth mentioning that American Family Insurance offers a variety of discounts to its customers, such as good student discounts, safe driver discounts, and multi-policy discounts.

States Where American Family Insurance Is Offered

American Family Insurance operates in 19 states across the United States. The states where American Family Insurance is offered include:

  • Wisconsin
  • Illinois
  • Ohio
  • Colorado
  • Arizona
  • Idaho
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nebraska
  • North Dakota
  • Oregon
  • South Dakota
  • Utah
  • Wyoming

It’s worth mentioning that American Family Insurance is not available in all states, so customers should check the company’s website or contact a local agent to see if American Family Insurance is available in their area.

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Discount Options at American Family Insurance

American Family Insurance offers a variety of discounts to its customers to help them save on their insurance costs. Some of the discounts that American Family Insurance offers include:

  • Good student discount: Full-time students who maintain a “B” average or better may qualify for this discount.
  • Safe driver discount: Drivers who have a clean driving record may qualify for this discount.
  • Multi-policy discount: Customers who bundle their home and auto insurance with American Family Insurance may qualify for this discount.
  • Safety device discount: Customers who install safety devices in their vehicles, such as airbags and anti-lock brakes, may qualify for this discount.
  • Homeowners discount: Homeowners may qualify for this discount.
  • Online purchase discount: Customers who purchase their insurance policy online may qualify for this discount.
  • Early bird discount: Customers who renew their policy before it expires may qualify for this discount.
  • Affinity group discount: American Family Insurance partners with certain organizations, such as professional associations, credit unions, and colleges, to offer discounted rates to members of those groups.

It’s worth mentioning that these discounts may vary by location and by type of coverage. Customers should contact a local agent or visit the company’s website to see which discounts are available in their area and to see how much they can save by taking advantage of the discounts.

It is also important to note that some discounts may have certain qualifications or restrictions, such as, to qualify for the safe driver discount, customers should have a clean driving record and to qualify for a good student discount, customers should maintain a “B” average or better.

American Family Insurance Customer Reviews

Customer Reviews American Family Insurance has a reputation for providing quality products and services at competitive prices. Customers generally report that the company’s customer service is responsive and helpful.

However, some customers have complained about the cost of the company’s services, especially those who have had accidents or moving violations. Overall, American Family Insurance is a reputable provider of car insurance that offers a wide range of products and services at competitive prices.

In Summary: American Family Insurance

In conclusion, American Family Insurance is a well-established company with a strong commitment to providing quality insurance products and services to its customers. The company offers a wide range of coverage options, including auto, home, life, and business insurance, and serves customers in 19 states across the country.

One of the strengths of the company is its variety of discounts that can help customers lower their insurance costs. American Family Insurance also provides a wide range of services and benefits, such as online account management, 24/7 claim support, and a variety of payment options.

Overall, American Family Insurance is a solid choice for customers looking for quality insurance products and services. It’s a company with a long-standing reputation, a wide range of coverage options, and a commitment to providing excellent customer service.

Reviews
for American Family Insurance

4.04 (2,180 reviews)
5
September 6, 2022

TammyNelson

Great auto insurance for Costco Members through Connect

I like working direct with insurance companies for simple coverage like auto insurance. They make it easy. They're professional and knowledgeable and fast. Great discounts for Costco members too.
5
January 15, 2021

Doggy

Awesome

Awesome, highly recommend using this company. Best I’ve ever dealt with thus far, great costumer service
4
January 14, 2021

flip2score7

am fam review

for the most part, there have been no issues in the years I have been on their insurance with family and then subsequently purchasing my own with them. however, they are sometimes slow to send things out.
2
October 15, 2020

timtone

Unexpected charges

They charged me a fee to use my card instead of a check what is this 1965? I left for a more 2020 provider esurance!
5
October 15, 2020

ely135

American Family tops any other insurance company

This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals a...
This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals actually received a quote that did not have at least one discount on it! When a company has amazing customer service and really cares about saving you money, it's hard to believe that the coverage you are provided could really be anything other than terrible. American Family strives to leave you flabbergasted. My auto insurance is everything I want/need, and I'm paying a premium that is $200 below what any and all other companies quoted me!
5
October 12, 2020

snoopyhugs18

When a 90-minute Meeting Saved Us $596!

Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we s...
Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we switched from our former insurer! The new policy was underwritten and ready for us to sign in less than 24 hours. American Family's online tools are easy and efficient to use, yet they look and feel secure. After a 6-year break from American Family because there was no local agent where we previously lived, I am so glad to be back!
5
October 2, 2020

DomMar35

Boss

American Family Insurance is an amazing company that acts quickly on claims and works to ensure customer satisfaction
5
October 2, 2020

ruthjahncoz

a bright point in a dark time

We were in a bad car crash. The other car was at fault, but we had car replacement coverage. We had the money to buy a new to us car in less than three weeks. We covered our new to us car with them. We had to talk to several departments during this time and everyone was helpful.
5
June 12, 2020

LillyM

Young but excited about Insurance!

I think they are good so far, I can't wait to get the decrease in insurance payment at the age of 25. Just 6 more years to go!
5
May 5, 2020

KatieM

My AMFAM experience

Good service always! very friendly, easy to work with, available to anser all my quesitions, very profesional .
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