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American Family Auto Insurance Reviews And Ratings

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american family
American Family Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 83%
Who Plan to Renew 94%
AM Best Financial Strength Ratings A

About American Family Car Insurance Company

Customer service/Claims:1-888-692-6326
Corporate Headquarters 6000 American Parkway
Madison, WI 53783

Best Auto Insurance Companies 2021: How American Family Auto Insurance Measures Up

American Family: Best car insurance for discounts

American Family earned a spot in our 2021 review of the Best Auto Insurance Companies as the Best Car Insurance for Discounts.

They earned a four-star InsureScore for customer service but stood out from the crowd in their wide variety of discounts offered. Even if American Family policy prices don’t always look the lowest, once you factor in that nearly everyone will qualify for at least one of their discounts, their prices are reasonable and competitive.

Ninety-four percent of American Family car insurance customers said they plan to renew their policies.

Gauging an insurance company

Before buying with a company it is wise to check on a company’s financial strength and complaint record. The A.M. Best rating listed above gives you an idea of American Family’s financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

Dream Big

Like many successful insurance companies, American Family Insurance has its roots in farming in the American Midwest. It began as Farmers Mutual Automobile Insurance Company in Madison, Wis., in 1927. Over the years, Farmers Mutual’s market expanded from rural areas to small towns and from the suburbs to metropolitan areas, and 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 with a team of 3,500 agents serves customers in 19 states:

  1. Arizona
  2. Colorado
  3. Georgia
  4. Idaho
  5. Illinois
  6. Indiana
  7. Iowa
  8. Kansas
  9. Minnesota
  10. Missouri
  11. Nebraska
  12. Nevada
  13. North Dakota
  14. Ohio
  15. Oregon
  16. South Dakota
  17. Utah
  18. Washington
  19. Wisconsin

The company believes is managing risk so that its clients are free to “dream big.” The company created a space in Madison, WI where they hold activity classes and events for the whole family and showcase exhibits of inspiration and support for bringing dreams to life.

Consider American Family Insurance for a customer-owned company and one point of contact

American Family is a mutual company, meaning its customers are its owners, but don’t think that makes it small time.  American Family is the nation’s fourth-largest mutual property and casualty insurer. With a mutual insurance company, any profits earned are returned to the policyholders in the form or dividends or reduced premiums.

The company boasts a team of agents committed to taking care of your insurance needs completely. If you have multiple policies, one agent will be your point of contact for all your claims and information needs. If you live in an area where you might suffer multiple types of claims at once, such as from severe weather damaging your home and car, dealing with one agent and one company instead of several might ease the burden.

American Family Car Insurance Coverages

  • Personal auto
  • Motorcycle
  • All-terrain vehicle

American Family Car Insurance Additional Policies

  • Homeowners
  • Life
  • Renters
  • Condo/Townhouse
  • Business Insurance
  • Umbrella
  • Farm and ranch

How likely customers would recommend this company?

51% I would definitely recommend this company
32% I would probably recommend this company
14% Neutral
2% I would probably not recommend this company
1% I would not recommend this company

Reasons for Buying

Customers of American Family originally decided to purchase from the company for these reasons:
  • 23% Offered best price
  • 21% Recommended by friend or family member
  • 17% Reputation
  • 10% Saw online ad
  • 9% Saw TV commercial
  • 9% Was the company my parents had
  • 6% Financial strength rating
  • 4% I had other insurance with this company
  • 1% The company website and mobile apps are easy to use and helpful

Would you renew?

  • 94% Yes
  • 6% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 38%
  • Fairly satisfied / Fulfills my needs OK 37%
  • Average website and apps 10%
  • Very unsatisfied / digital offering is severely lacking 10%
  • Unsatisfied / website and/or apps are not fulfilling my needs 3%

How do you prefer to deal with insurer and policy?

  • In person 35%
  • Phone 30%
  • Email 7%
  • Interactive website 15%
  • Mobile App 13%

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

American Family’s customer complaint ratio for Private Passenger Auto insurance is 0.46
Coverage Options
Usage-based/Telematics Icon
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Accident forgiveness Icon
Accident forgiveness
Your rates won"t increase after your first accident.
New car replacement Icon
New car replacement
If you total your car the insurer will pay for a new car.
Pet injury coverage Icon
Pet injury coverage
Pays vet bills for dogs or cats injured in a crash (up to specificed limits).
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states is American Family available?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

110 Reviews. 4 Stars out of 5
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