American Family Car Insurance Review 2023

In our latest rankings, American Family car insurance is the second-largest insurance company in USA after and USAA . American Family company started in 1927 to provide a car insurance in Madison, Wisconsin. Nowadays, they sell different types of insurance in 19 states, mostly in the Midwest and West.

American Family Car Insurance Rates

On average, American Family car insurance cost for around $1,383 per year. This is lower than the national average of $1,547. However, when you compared to some other best car insurance companies like USAA, Geico, State Farm, and Travelers then results show ,American Family rates are not the cheapest.

The cost of car insurance is depend on factors many factors like your age, driving history, and more but still American Family good option for many peoples. On the other hand you can see below the chart the Allstate car insurance cost are too expensive, with an average annual rate of $2,135.

Insurance Company	Average Annual Rate
American Family	$1,383
USAA	$1,022
State Farm	$1,279
GEICO	$1,250
Nationwide	$1,473
Farmers	$2,078
Travelers	$1,355
AAA	$1,958
Allstate	$2,135
Progressive	$1,540

American Family Car Insurance Rates for Teen Drivers

The young drivers can be pay more then as compared to older drivers for car insurance policy. Our research revealed that the top insurance companies like Farmers and Progressive are too expensive for young drivers.

However, the American Family car insurance cost for a 17-year-old driver is lower, about 2.5 times the national average rate for a 60-year-old driver.

American Family car insurance is not a cheapest, but it costs less than as compared to other competitors companies for 17-year-old drivers.

The $1,500 less than the national average for 17-year-old girls and about $2,000 less for 17-year-old boys. The cheap car insurance for both girls and boys is USAA but it only available for people who in military. If you can’t get USAA then Geico is the next best choice for boys, and State Farm is a good option for girls. Both of these companies offer cheap car insurance rates that are about 35% lower than the national average.

Gender	American Family Average Rate	National Average
Female (17-Year-Old)	$3,550	$5,064
Male (17-Year-Old)	$3,769	$5,750

American Family Car Insurance Rates for Young Adult Drivers

Car insurance becomes much more affordable when drivers age is 25. On average, the rates decrease by more than $3,000 for females and nearly $5,000 for males as compared to what they paid as teen drivers. According to our research, American Family car insurance offers about $150 less per year than the national average for 25-year-old female drivers and about $200 less for male drivers in the same age group.

Among the top insurance companies in 2023, Farmers had too expensive for young adult drivers. For a female driver its cost $2,385 per year, and for a male, it was $2,594 per year.

On the other hand, USAA is the most affordable option for young adult drivers, with average rates of $1,219 for females and $1,280 for males. Geico is the second-best choice in this category, with rates that are 23% lower than the national average for young adult female drivers and 27% cheaper for young adult males.

Gender	American Family Rate	National Average
Female (25-Year-Old)	$1,617	$1,757
Male (25-Year-Old)	$1,663	1,860

American Family Car Insurance Rates for Adult Drivers

Drivers who are same age group, American Family car insurance charges about $200 less per year for car insurance as compared to the national average, regardless of whether the driver is male or female. However, USAA is the most budget-friendly choice for this age group because they offering about $350 per year average rates lower than American Family for both female and male drivers.

Geico also provides competitive rates for drivers in this age range, with rates that are $270 below the national average for female drivers and $246 cheaper for male drivers.

According to our research, Allstate is the best option for drivers in this age group. On average, it costs nearly $800 more per year than American Family for the same coverage.

Gender	American Family Rate	National Average
Female (35-Year-Old)	$1,280	$1,470
Male (35-Year-Old)	$1,300	$1,488

American Family Car Insurance Rates for Senior Drivers

Older drivers usually pay less for car insurance as compared to younger, no matter which insurance company they choose. In the case of American Family, they offer cheaper than the national average for this age group. A 60-year-old female driver save around $110 per year as compared to the national average by choosing American Family, while a male driver of the same age can save around $160.

Once again, USAA is the cheapest option, with on average,rates $350 lower than American Family for older drivers of either gender. State Farm also provides competitive rates for senior drivers, with savings of $198 for females and $242 for males compared to the national average.

Gender	American Family Rate	National Average
Female (60-Year-Old)	$1,219	$1,332
Male (60-Year-Old)	$1,217	$1,376

American Family Car Insurance Rates After a Speeding Ticket

Having a speeding violation on your driving record then your rate getting higher with any insurer. However, American Family car insurance rates that are roughly $150 less than the national average for drivers with a speeding violation.

On the other hand, Farmers are most expensive option for drivers who have received a speeding ticket, with rates averaging almost $900 more per year than what American Family charges in the same situation.

USAA customers pay the lowest rates on average after receiving a speeding violation, with annual rates are about $550 less than American Family cost in the same situation. State Farm is the second-most affordable option, with rates that are 27% below the national average. Geico is the third-best choice, offering rates that are 17% below the national average for drivers with a speeding ticket.

	American Family Rate	National Average
Rates After One Speeding Ticket	$1,783	$1,935

American Family Car Insurance Rates After an Accident 

Our study found that American Family customers who have had a single accident on their driving record save more than $500 annually as compared to the national average. These savings are substantial, especially when compared to Farmers, which has the most expensive annual rates for drivers in this group, costing more than $1,500 extra on average.

Among all the options, drivers in this category paid the least on average with USAA, with rates about $250 less annually than what American Family charges.

State Farm offers the second-lowest sample rates for drivers who have had an accident on their record. Their premiums are $690 per year lower than the national average in this category, making them a cost-effective option for drivers with an accident history.

	American Family Rate	National Average
Rates After One Accident	$1,692	$2,212

American Family Car Insurance Rates After a DUI

Getting a DUI means your insurance cost go high. But with American Family car insurance is not as too expensive as other insurance companies offers. Our study found that American Family charges about $700 less per year for drivers with a DUI compared to what most companies charge. It’s also about $2,000 cheaper than the most expensive company, AAA, for people with a DUI.

State Farm is the cheapest option for drivers with a DUI. They charge about $958 less per year than what most companies charge in this situation.

	American Family Average Rate	National Average
Rates After One DUI	$1,974	$2,675

American Family Car Insurance Rates for Drivers with Poor Credit

Having a poor credit rating can make your car insurance more expensive, but our research shows that the cost difference varies widely between insurance companies. In the case of American Family car insurance offer for drivers with poor credit pay about $438 more per year than the national average.

However, rates with AAA and Farmers, which are the most expensive insurers in this category they offers on an averaging $1,099 and $910 more per year, respectively, than the national average for drivers with poor credit.

On the other hand, USAA offers the most affordable option, with rates that are $1,001 less per year than the national average for drivers with poor credit. Geico is the second-cheapest choice, with an average annual rate that’s $919 less than the national average in this category.

	American Family Average Rate	National Average
Rates for Drivers with Poor Credit	$3,332	$2,894

Minimum Coverage with American Family

Minimum coverage can save your money on your car insurance, which means you pay a lower price for policy. Our research shows that with American Family, choosing lower coverage can save you about $150 per year as compared to other insurance companies offer even cheaper rates for Minimum coverage.

USAA is the cheapest when it comes to saving money on car insurance. If you go for lower coverage with USAA, you could save around $570 per year compared to other companies.

For drivers want minimum coverage, Geico offers the second-cheapest option with a sample rate of $1,134 per year, which is $336 less than the national average. On the other hand, Allstate and Farmers are the most expensive choices in this category, with both having an average annual rate that’s roughly $540 more than the national average for mimimum coverage.

	American Family Average Rate	National Average
Rates for Minimum Coverage	$1,324	$1,470

American Family Car Insurance Discounts

American Family provides many discounts to help save money when you buying insurance and most of its customers seem to be happy with their discounts. Approximately 69% of American Family customers reported that they satisfied with the discounts offered by this companies. Some of the discounts provided by American Family include:

• Multi-Policy Discount: You can save money by bundling different insurance policies, like home and auto insurance, with American Family.
• Good Student Discount: If you’re a student with good grades, you may qualify for a discount.
• Teen Safe Driver Discount: American Family offers discounts for young drivers who complete safe driving courses.
• Defensive Driving Course Discount: Completing a defensive driving course may make you eligible for a discount.
• Early Bird Discount: If you switch to American Family before your current policy expires, you might get a discount.
• Loyalty Discount: Staying with American Family for an extended period may earn you a loyalty discount.
• AutoPay Discount: Enrolling in automatic payment methods can also lead to savings on your premium.

Additional Discounts with American Family Car Insurance

• Loyalty discount
• Early Bird discount
• Generational discount
• Away at School discount
• Young Volunteer discount
• Auto Pay discount
• Customer Full Pay discount
• Paperless discount

American Family Car Insurance Pros and Cons

Pros

1. American Family has very few complaints to state insurance departments for auto insurance.
2. Affordable rates for drivers with a DUI.
3. They provide SR-22 filings features when it necessary .
4. Offers features like accident forgiveness and a deductible that decreases over time.
5. New car owners can purchase gap insurance from American Family.
6. They have a program called KnowYourDrive that rewards safe drivers with lower insurance costs.
7. Provides coverage for non-owners of cars.
8. Offers insurance for Lyft and Uber drivers who need rideshare coverage.

Cons

1. American Family car insurance prices are average for drivers with a clean record.
2. Adding a teenage driver to a parent’s policy is not save much money.
3. Auto insurance costs for both young and senior drivers are same.
4. American Family offer their services only in 19 states, not across the whole country.

FAQs