American Family Insurance Company Review 2025

Trusted Choice's American Family Insurance Score

4.5 Stars

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We award American Family Insurance a final rating of 4.5 out of 5 stars. The carrier’s extensive history and high ratings through both AM Best and the Better Business Bureau (BBB) help it earn its status as a worthy contender in the insurance industry. 

Though the carrier offers a wide variety of coverage options for many different types of insurance customers, they lose a few points for not offering their products nationwide. However, American Family’s excellent customer service availability, straightforward claims process, user-friendly website, and 24/7 claims reporting service certainly cause us to list them as a top recommendation for anyone looking for reputable insurance in a state where coverage is available.

American Family Insurance was founded in 1927, meaning the carrier is fast approaching a century of experience in the insurance industry. The carrier has a respectable history of offering quality insurance coverage and products to individuals and businesses. American Family is the country’s 13^th-largest property and casualty insurance provider. Coverage is currently offered in 19 states.

American Family offers highly affordable homeowners insurance, along with multiple discounts and many coverage enhancement options. Overall, we say that if you’re in need of any of the carrier's products, don’t hesitate to ask your independent insurance agent about American Family Insurance to meet your coverage needs.

American Family Insurance Pros and Cons:

Pros:	Cons:
Longstanding carrier	Coverage is only available in 19 states
Offers a variety of coverages	Not BBB-accredited
Offers both personal and business policies	Large volume of customer complaints filed through the BBB
“A” (excellent) rating by A.M. Best
“A” (excellent) rating by Better Business Bureau (BBB)
Excellent customer service availability
Multiple discounts available
Multiple home coverage enhancement options available
24/7 claims reporting

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

American Family Insurance Products by Type

American Family offers a wide range of insurance options to both individuals and businesses. Its products include:

American Family Insurance Home Insurance

A homeowners insurance policy from American Family includes all the standard coverage you need, such as dwelling, other structures, personal property, additional living expenses, and liability. The carrier also provides an extensive list of optional coverage enhancements, including the following.

Coverage types, features, and benefits:

Home business

American Family's optional home business coverage can provide reimbursement for liability claims and property damage related to a business operated from the home or business property stored at the house.

Short-term rental

American Family's optional short-term rental coverage can reimburse you for losses if someone inhabits your property while you're away.

Identity theft

American Family's optional identity theft coverage can reimburse you for up to $25,000 if you need professional identity restoration services.

Roof damage

American Family's optional roof damage coverage can pay the difference between your roof's current value and the total cost to fully replace it after a covered loss.

American Family also provides optional coverage endorsements for home service lines, vacation rentals, water and sump pump backup, home renovations, flash floods, and much more.

American Family Insurance Home Insurance Average Prices

American Family sells home insurance policies with $300,000 in dwelling coverage for an average of just $1,698 per year, which is quite a bit cheaper than the current national average of $2,304 annually. Here are some average prices for American Family's home insurance policies by dwelling coverage amount compared to the national average rate.

American Family Average Home Insurance Prices by Dwelling Coverage Amount

Methodology

To determine our average home insurance rates, we compared quotes for coverage using a sample customer who is 40 years old and married. The sample policy had $300,000 in dwelling coverage, $30,000 in other structures coverage, $150,000 in personal property coverage, $60,000 in loss of use coverage, $500,000 in liability coverage, and $1,000 in medical payments coverage. The sample insured home was less than 10 years old.

American Family Insurance Car Insurance

A car insurance policy from American Family includes all the standard coverage you need, such as liability, collision, comprehensive, medical payments, and personal injury protection (PIP). Customers have the option to add uninsured/underinsured motorist, rental reimbursement, roadside assistance, and more. Some of the carrier's optional coverage enhancements are detailed below.

Coverage types, features, and benefits:

Roadside assistance

American Family's optional roadside assistance coverage can reimburse customers who experience a breakdown or other issues on the side of the road for professional services like tow trucks and more.

Accidental death and dismemberment

American Family's optional AD&D coverage can reimburse customers if a death or severe injury occurs after a collision, regardless of fault.

Gap

American Family's optional gap coverage can reimburse customers for the difference between the vehicle's current value and the amount still owed on a loan or lease after a covered total loss.

American Family Insurance Car Insurance Average Prices

American Family's car insurance rates are a bit more expensive than average. A full coverage car insurance policy from American Family averages $2,688 per year, and a minimum coverage policy averages $886 per year. The current national average cost of a full coverage auto insurance policy is $2,458 per year, and a minimum coverage policy is $678 annually. 

Here are some average rates for American Family's car insurance policies by driver age compared to the current national average.

American Family Average Car Insurance Prices by Driver Age

Methodology

Average rates for car insurance were based on a sample driver who is 40 years old and has a good credit score and clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.

What Discounts Does American Family Offer?

American Family provides several competitive discounts on their coverage offerings, especially on car insurance. Its discounts include:

An independent insurance agent can provide better discount information and premium quotes for coverage through American Family Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.

American Family Insurance Customer Service

American Family allows customers to file claims and solve other issues over the phone or online, any day of the week. The carrier also provides the following customer service options:

American Family sells insurance through a wide network of agents, including independent insurance agents. These agents can help make customer service easier for you by handling claims and other concerns.

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