American Family Car Insurance Ratings

American Family
   Effective Date: November 20, 2015
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Customer Satisfaction Ratings

(114 reviews)

For Price
% Who Would
Recommend to
a Friend
% Who Plan
to Renew

A    November 20, 2015

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Reason for buying from American Family
Customers of American Family originally decided to purchase from the company for these reasons:
38%Saw a commercial.
19%The insurer offered the best price.
18%The insurer's reputation.
15%The insurer was recommended by a friend.
5%Was the company their parents had.
3%Other reason.
2%Had other insurance with this company.
Would you recommend this company?
  • already have
  • yes
  • not sure
  • probably not
  • no
  • 32%
  • 47%
  • 18%
  • 2%
  • 1%

Would you renew?
  • yes
  • no
  • 91%
  • 9%

About American Family

American Family car insurance received an overall score of 80.7 on our annual customer satisfaction study, which we use to determine the best car insurance companies.  Customer service, claims, value for price paid, percent of who plan to renew and percent of who would recommend American Family Insurance were all taken into account.  American Family is the 9th-largest auto insurer in the U.S. and offers auto insurance policies in 19 states.

American Family background:

American Family has been in business for more than 80 years.

It began as Farmers Mutual Automobile Insurance Company in Madison, Wis., in 1927, with 346 charter members.

Farmers Mutual was started by a struggling insurance salesman, Herman Wittwer, who dreamed of success selling auto insurance to Wisconsin farmers. His idea succeeded. By the end of its first year, his insurance company had 486 policyholders who paid $8,130 in premiums while it incurred only $45.85 in losses.

Over the years, Farmers Mutual's market expanded from rural areas to small towns and from the suburbs to metropolitan areas.

In 1963, the company changed its name to American Family Mutual Insurance Company to reflect its broader customer base.

The company also expanded its geographic base. Today, American Family Insurance and its sales force of nearly 3,500 agents serve customers in 19 states. Its corporate headquarters are still located in Madison, Wis.

American Family is the nation's fourth-largest mutual property and casualty insurer. It consists of 10 companies with more than $17.3 billion in total assets.

American Family is a mutual company. Its customers are its owners.

American Family offers discounts depending on your age, driving record, where you live and the safety features your vehicle has.

What's covered
Coverage Options
Usage-based. Rates can be based on your mileage and how you drive.
Accident forgiveness. Your rates won't increase after your first accident.
New car replacement. If you total your car the insurer will pay for a new car.
Pet injury coverage. Pays vet bills for dogs or cats injured in a crash (up to specificed limits).
Mobile app. The insurer offers an app for smartphones.

Multi-policy. Discount for more than one type of policy with the same insurance provider.
Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Defensive driver. Discount for an approved defensive driving or driver improvement class.
Academic achievement. Discount for full-time students who meet certain academic criteria.
Passive restraint/air bag. Discount for factory-installed safety devices such as an air bag.
Safe driver/clean record. Discount for no accidents or traffic violations, usually for three or five years.

Note: Not all discounts will be available in all states or for all customers. Details and eligibility will vary by insurer. Insurers may offer additional discounts not included on this list.