Insurance Other Insurance Topics Insurance Company Reviews American Family Auto Insurance Review By Janet Hunt Janet Hunt Twitter Janet Hunt is an expert in car insurance, homeowners insurance, and health insurance with over 20 years of experience covering trends, regulations, and writing company reviews. Her lengthy career in insurance includes stints in customer service and selling personal lines of insurance. She earned her Property and Casualty license in 1995. learn about our editorial policies Updated on May 3, 2022 Reviewed by Eric Estevez Reviewed by Eric Estevez Eric is a duly licensed Independent Insurance Broker licensed in Life, Health, Property, and Casualty insurance. He has worked more than 13 years in both public and private accounting jobs and more than four years licensed as an insurance producer. His background in tax accounting has served as a solid base supporting his current book of business. learn about our financial review board Fact checked by Vikki Velasquez Fact checked by Vikki Velasquez Vikki Velasquez is a freelance copyeditor and researcher with a degree in Gender Studies. Previously, she conducted in-depth research on social and economic issues such as housing, education, wealth inequality, and the historical legacy of Richmond VA as well as their intersectionality while working for a community leadership nonprofit. Vikki leverages her nonprofit experience to enhance the quality and accuracy of Dotdash's content. learn about our editorial policies Family trip. Photo: Getty Images/Weekend Images, Inc. While American Family Auto Insurance may not be as well-known as some other auto insurance companies such as The Hartford or USAA; it was the sixth largest auto insurer and the tenth largest property and casualty insurance company in the U.S. and Canada in 2021. It is listed in the Fortune 500 companies in the United States as 232 for 2021. American Family Insurance has as its mission, “to inspire, protect and restore your dreams.” In addition to auto insurance, the company offers home, life, business, health, umbrella, farm & ranch insurance as well as coverage for manufactured homes and RVs. American Family Auto Insurance was founded in 1927 by Herman Wittwer and was first called Farmers Mutual Automobile Insurance Company. Mr. Wittwer started his company by offering automobile insurance to farmers, who he thought to be better risks as they often did not drive their vehicles in the winter but put them in storage. Over the years, the company expanded its products and territory to include 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin. In 1963, the company changed its name to American Family Mutual Insurance Company. In 2021, American Family had over $11.1 billion in policyholder equity and over $36 billion in total assets. Its corporate headquarters is located in Madison, Wisconsin. Auto Insurance Products American Family sells its auto insurance products through a network of approximately 3,500 independent agents. With your auto policy, you can purchase collision, comprehensive, bodily injury liability, property damage liability, uninsured/underinsured motorist, medical expense insurance, and personal injury protection. You can choose to receive a quote online or visit one of the local offices. There are a variety of benefits and auto insurance discounts available with American Family’s auto policy, including those below. Discounts Multiple Product DiscountMultiple Vehicle DiscountKnowYourDrive Program DiscountAuto Safety Equipment DiscountLow-Mileage DiscountGood Student DiscountYoung Volunteer DiscountAnd Billing Discounts, like AutoPay and Paperless Billing Optional Coverage Auto Rental Reimbursement Coverage – This coverage is offered in partnership with Enterprise Rent-A-Car. You can also use a rental company of your choice. Often costing less than one day's car rental, this coverage includes reimbursement benefits for car rentals, rideshare services, and public transportation like taxis, city buses, rails, and commuter trains. Emergency Road Service – Emergency road service is available with the “sign and drive” direct billing option which allows you to have emergency repairs for covered towing & labor operations completed without having to worry about upfront payments or having to be reimbursed. This 24/7 coverage includes towing, car battery jump, tire service, gas and oil delivery, roadside repairs, and locksmith services. Safety Program Teen Safe Driver Program – If you have a teenage driver living with you, this discount program allows you to actually see your teen’s driving habits. Using a pair of smartphone apps, teens learn to drive safely and parents can monitor their progress and know where they are. After the teen drives for 3,000 miles or for a full year, the parent earns a 10% discount on their car insurance and the teen develops good driving habits. There is no charge to enroll your teenage driver in the program. Homeowners Insurance from American Family includes property and liability protection with extra coverage options for a home-based business, sewer backup, pump overflow coverage, identity theft protection and more. Renters Insurance covers your belongings and liability interests as well as loss of use should your rental unit become uninhabitable due to a covered loss. You can add additional coverage for things like identity theft protection, travel insurance, pet insurance, and a home-based business. Life Insurance policies offered through American Family include term life and simplified term life policies as well as whole life policies for seniors, children, and a DreamSecure flexible option. Business Insurance coverage is available for apartment/condo owners, contractors, professional offices, retail establishments, auto service and repairs shops, and more. Business insurance coverage options include building coverage, auxiliary building coverage, business auto, rental property, contractors insurance, and cyber liability coverage. Employee coverage is also available. Farm & Ranch Insurance is customizable and provides dwelling coverage, farm personal property coverage, fair rental value, outbuilding coverage, liability, and additional living expenses. For an added premium you can add equipment breakdown coverage, farm income, replacement cost for irrigation systems, additional property coverage, medical expense coverage for employees, and more. Ratings, Customer Service & Awards According to a customer survey by Insure.com, 94% of current American Family auto policyholders plan to renew their coverage. In 2021, J.D. Power and Associates gave the top position in their Shopping Satisfaction Survey to American Family Car Insurance. Ranking first in "overall experience," American Family Car Insurance also took the tops spots for price, distribution channel, policy offerings, and quote process. American Family has an “A” rating with the Better Business Bureau and is rated “A” Excellent by A.M. Best. Not only does American Family rate well in the areas of customer service, claims and overall customer satisfaction but it has also received awards for its service in the community. It has been named one of the Best Places to Work for LGBTQ Equality by the Human Rights Campaign Foundation in 2019, scoring a 100 on the Corporate Equality Index. The company was awarded a Green Masters Certificate from the Wisconsin Sustainable Business Council and a LEED gold certification for their energy-reducing efforts. With 33% of the board of directors seats held by women, American Family Insurance earned a "W" recognition from the Women on Boards organization. Pros Excellent customer service and claims recordAttractive features, discounts and benefits including the teen safe driver program Cons Auto coverage is only available in 19 statesThe website is a little hard to navigate if you are trying to find explanations for benefits or receive an auto insurance quote. Contact Information To receive a quote from American Family or learn more about its insurance products, you can visit the American Family Insurance website or call 1-800-MYAMFAM (1-800-692-6326). You can also use the agent locator to find a local agent. Was this page helpful? Thanks for your feedback! Tell us why! Other Submit Sources The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2021, Top 25 Groups and Companies by Countrywide Premium," Pages 1, 6. Fortune. "Fortune 500." American Family Insurance. "Mission Vision, and Values." American Family Insurance. "Insurance." American Family Insurance. "Dare to Dream," Pages 2, 12-14. American Family Insurance. "Car Insurance & Car Insurance Requirements by State." American Family Insurance. "Dare to Dream," Page 104. American Family Insurance. "Financial Strength," Page 2. Click and download "View Annual Report." American Family Insurance. "Corporate Responsibility," Download "2019 Corporate Responsibility Report," Page 17. American Family Insurance. "Understanding Your Car Insurance Coverage Options." American Family Insurance. "Car Insurance Discounts." American Family Insurance. "Rental Car Reimbursement Coverage." American Family Insurance. "24/7 Emergency Roadside Assistance." American Family Insurance. "Safe Driver Discount Program for Teens." American Family Insurance. "Homeowners Insurance Coverages." American Family Insurance. "What Does Homeowners Insurance Cover?" American Family Insurance. "Renters Insurance Coverages." American Family Insurance. "Life Insurance Quotes, Policies & Plans." American Family Insurance. "Commercial & Business Insurance." American Family Insurance. "What Is Farm and Ranch Owners Insurance?" Insure.com. "American Family Auto Insurance Ratings." American Family Insurance. "American Family Insurance Ranks First in Segment in the 2021 J.D. Power Auto Insurance Shopping Satisfaction Study." Better Business Bureau. "American Family Insurance." American Family Insurance. "A.M. Best Affirms American Family's ‘A’ Financial Strength Rating, Raises Innovation Score." American Family Insurance. "Corporate Responsibility," Download "2019 Corporate Responsibility Report," Page 11.