Paul Sanchez
American Family Insurance, also known as AmFam, offers insurance quotes for auto, home, and life insurance. AmFam provides online quotes and coverage options, allowing customers to choose an agent for free advice and pricing. AmFam's auto insurance includes full coverage and liability options, with rates varying across states. The company also offers home insurance, although rates are generally higher than the national average. However, bundling home and auto insurance can lead to significant savings, and AmFam provides various discounts, such as Multiproduct, Auto Pay, Paperless, and DriveMyWay.
| Characteristics | Values |
|---|---|
| Car insurance quotes | Cheaper than average |
| Car insurance rates | $1,920 a year or $160 a month for full coverage; $61 a month for liability insurance |
| Customer service reviews | Good |
| Home insurance rate | Higher than the national average |
| Home insurance quote | $3,072 a year |
| Discounts | Available for bundling home and auto insurance, safe driving, taking a defensive driver class, paying upfront, setting up autopay, and going paperless |
| Availability | Quotes available online or through licensed agents in 19 states: AZ, CO, GA, IA, ID, IL, IN, KS, MN, MO, ND, NE, NV, OH, OR, SD, UT, WA, and WI |
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What You'll Learn
Car insurance quotes
American Family Insurance, also known as AmFam, offers car insurance quotes online or through one of their licensed agents. AmFam's car insurance rates are cheaper than average, and they offer various discounts to help lower your rates further.
AmFam's full-coverage car insurance, which includes collision and comprehensive coverage for damage and theft, averages $1,920 per year or $160 per month. These rates are 3% less than the national average. Their liability car insurance, which covers injuries and damage to others, is $61 per month, 6% less than the national average.
AmFam's rates vary by state, with particularly cheap rates in Minnesota, Oregon, and Utah, where they are at least 20% below the state average. In Wisconsin, AmFam's home insurance rate is $1,493 per year, 31% less than the state average. However, in Nevada, their rate is 50% higher than the state average.
AmFam offers several ways to save on car insurance. You can save up to 23% by bundling your car insurance with a home or renters policy. Additionally, they offer discounts for paying upfront, setting up autopay, and going paperless. AmFam also has unique programs like DriveMyWay, where you can get a 10% discount for signing up and additional savings of 5-20% based on your driving behaviour. The MilesMyWay program is another option for those who don't drive often, offering pay-per-mile insurance.
Overall, AmFam is a good option for car insurance, providing competitive rates, unique savings opportunities, and positive customer service reviews.
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Home insurance quotes
American Family Insurance provides a range of insurance options, including homeowners insurance. You can get a quote online or by speaking to one of their licensed agents.
Homeowners insurance from American Family Insurance offers protection for your home and attached structures from damage caused by fire, windstorms, hail, lightning, theft, and vandalism. It also covers detached structures like garages, gazebos, sheds, swimming pools, and fences. Additionally, your belongings inside and outside your home are covered if they are damaged or destroyed by a covered event.
The policy also includes Loss of Use Coverage, which helps pay for additional living expenses like a hotel and food if your home becomes uninhabitable due to a covered event. Liability coverage is also included, protecting you from liability claims and lawsuits if someone is accidentally injured on your property, up to your policy limit.
You can also add optional coverage for added protection, such as reimbursement for replacing undamaged siding to match the repaired sections after a covered loss. Another optional coverage is Equipment Breakdown Coverage, which protects your appliances, home systems, and smart home devices from unexpected mechanical or electrical breakdowns, excluding normal wear and tear.
American Family Insurance offers various discounts to help you save on your homeowners insurance. Customers who bundle their home and auto insurance policies can save up to 40% on both policies as of June 2025. Discounts may vary by state, property, and policy, and may include Multiproduct, Auto Pay, Paperless, and DriveMyWay.
To get a home insurance quote from American Family Insurance, you can visit their website or call them at 1-800-692-6326 during their business hours. Their customer service team is available 24/7 to answer any questions and assist you with getting a quote.
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Discounts and savings
American Family Insurance offers a range of discounts and savings opportunities to its customers. One of the most prominent ways to save is by bundling policies. Customers who bundle their home and auto insurance policies together can save up to 23% on both, as of December 2024. Additionally, bundling home, auto, and life policies can lead to even greater savings of up to 43% on the home and auto policies, as of June 2025.
For auto insurance, maintaining a good driving record, safe driving habits, and good grades can all contribute to potential discounts. American Family Insurance also offers discounts for families with teen drivers or young adults purchasing insurance independently. Customers can also save by paying their bills in full or taking advantage of Auto Pay and Paperless discounts.
When it comes to homeowners insurance, the age of your home can be a factor in discounts. Newer homes, those under 15 years old, often have fewer claims, making them eligible for potential discounts. Additionally, if you've recently replaced the plumbing, electrical, and heating systems in your home, you may be eligible for a homeowners discount. Installing qualifying smart home devices can also lead to a better rate through the proactive home protection discount.
At American Family Insurance, we understand the importance of saving money. That's why we offer numerous ways to help our customers save on their coverage. Our agents are always ready to help you discover all the discounts and savings opportunities available to you.
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Bundling policies
Bundling insurance policies is a great way to save money and simplify your coverage. By combining multiple policies, such as home and auto insurance, you can benefit from discounts and enhanced protection.
American Family Insurance offers various bundling options to meet your needs. One of their most popular bundles is the home and auto insurance package. By bundling these policies, you can save up to 23% on both coverage plans, as of December 2024. This discount may vary depending on your state, property, and specific policy details. Additionally, you can take advantage of extra coverages and protection from unexpected events.
Another advantage of bundling is the convenience and ease of policy management. With all your policies under one roof, you can arrange for the same due date and invoice, streamlining your payment process. American Family Insurance also offers discounts on renters, condo, boat, manufactured home, and ATV policies, providing even more opportunities for savings.
When considering bundling, it's important to consult with an agent to ensure you're getting the best coverage and discounts. Ask about each policy's deductibles and be cautious of introductory discounts that may lead to larger premiums later on. By choosing the perfect agent for you, you can receive personalized, no-pressure advice and maximize your savings with the right bundle.
Bundling insurance policies with American Family Insurance allows you to protect your belongings, simplify your coverage, and save money. With their range of bundling options and expert guidance, you can have peace of mind knowing that you're getting the best protection for yourself, your family, and your property.
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Customer reviews
However, some customers have expressed dissatisfaction with the company, particularly regarding unexpected premium increases and issues with claims handling. One customer complained about a 300% premium increase in 6 years, while another mentioned a sudden 75% increase in their premium after one year. Others have criticized Am Fam Insurance for allegedly treating customers poorly, being quick to drop them from their policies, and having long claim handling times. There are also complaints about the company's practices, such as demanding excessive proof for roof replacement claims and refusing to cover certain types of properties.
Overall, while some customers have had positive experiences with Am Fam Insurance, particularly praising their low prices and agent expertise, there are also a significant number of negative reviews highlighting issues with premium increases, claims handling, and customer treatment.
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Frequently asked questions
Am Fam Insurance, short for American Family Insurance, offers insurance for autos, homes, and life.
Am Fam Insurance's car insurance quotes are generally cheaper than average. In states like Minnesota, Oregon, and Utah, their rates are at least 20% lower than the state average. However, in Nevada, their rates are 50% higher than the state average.
Yes, Am Fam Insurance offers various discounts for car insurance. You can get a 10% discount by signing up for their DriveMyWay app-based safe driver program. Additionally, completing a defensive driver class can provide a discount for those 55 or older.
Am Fam Insurance's average quote for home insurance is $3,072 annually, which is 12% higher than the national average. However, their rates vary by state, with rates lower than the state average in Wisconsin, Minnesota, Ohio, and a few other states.
Yes, Am Fam Insurance offers discounts for home insurance when you bundle it with car insurance, pay upfront, set up autopay, or go paperless.
