American Family ranks as one of the cheapest auto insurers in Insure.com’s 2026 survey, with full coverage averaging $159 per month. The company scores well for claims handling, trust and renewals, and offers a strong balance of affordability, coverage options and customer satisfaction. See how American Family performs across cost, service and digital experience compared to top competitors.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.
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American Family delivers a potent blend of affordability, solid coverage options and dependable service, earning it one of the highest overall ratings in Insure.com’s 2026 Best Auto Insurance Companies survey.
The company also receives strong scores for trust and renewals, indicating that most policyholders feel confident in staying with American Family in the long term. While its customer satisfaction and policy offerings scores fall around the category average rather than at the top, American Family’s combination of low premiums, solid service and consistent performance across key metrics makes it an appealing option for drivers who want a balance of affordability and reliability.
Below, we break down how American Family compares across cost, coverage and overall customer experience.
Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.
American Family is a good choice for you if:
It might not be the best choice if:
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American Family is one of the cheapest auto insurance companies in our survey, tying with Erie at $159 per month for full coverage. The only insurer with a lower premium was USAA, which is limited to military members, veterans and their families.
See more rates in the table below.
American Family earned an 84% customer satisfaction score, placing it right around the category average. Its customers also gave it an 85% score for ease of accessing policy documents and services, showing they’re generally satisfied with how simple it is to manage a policy.
For policy offerings, American Family scored 84%, reflecting solid satisfaction with the range of coverage options available.
When asked whether they’d recommend their auto insurer, 86% of American Family customers said they would. American Family also earned a strong trust score of 91% compared to the 90% category average. And when it came to renewals, 92% of customers reported planning to renew their policies, which was just one point below the overall average.
American Family’s claims handling score was four points above the category average at 82%, which shows that its customers are more satisfied than average with the company’s handling of auto insurance claims.
When it comes to the company’s app and website, the company’s score of 82% for digital experience was on par with the category average.
For discounts, American Family’s survey score was on par with the category average at 61%. For auto and home bundling, American Family’s score of 80% was two points higher than the average.
American Family offers the following car insurance coverages:
*Defensive driver discounts are not available in Arizona, Indiana, Iowa, Missouri, Nebraska, South Dakota and Wisconsin.
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Note: Availability is subject to change.
Founded in 1927 in Madison, Wisconsin, American Family Insurance has grown from a small regional auto insurer into one of the largest mutual insurance companies in the United States. Today, American Family serves more than 12 million policies in force across auto, home, renters and life insurance products.
The company distributes its policies through a strong agent network of over 3,000 exclusive agents, supported by thousands of customer service representatives and claims professionals nationwide. This hybrid of local agent support and expanding digital tools has enabled American Family to maintain high customer satisfaction scores, particularly among policyholders who value personalized service.
Financially, American Family remains one of the most stable insurers in the market. The company has consistently earned an A (Excellent) financial strength rating from AM Best and generates more than $14 billion in annual revenue. As a mutual insurer, American Family is owned by its policyholders rather than shareholders, enabling it to invest heavily in customer support, claims service and community programs while maintaining long-term financial health.
Contact American Family: Call 1-800-MYAMFAM (1-800-692-6326) or visit www.amfam.com.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.