American Family Insurance Car Insurance Review
American Family is known for affordability and personalized service. Their KnowYourDrive® program and generational customer base make them a favorite in many regions.
Company & Policy Details
Company Information
Established
1927
Underwritten by
American Family Mutual Insurance Company
Market Position
Customer Service Hours
Mon–Fri: 7am–10pm, Sat: 9am–5pm
Ratings & Performance
Claims Satisfaction
Financial Strength
A
Mobile App
Policy Features
No Claims Discount Protection
Up to 5 years
Telematics Option
Available
Multi-Car Discount
Available
New for Old Replacement
Vehicles up to 2 years old
Uninsured Driver Promise
Included
Paperless Discount
Available
Key Benefits
- KnowYourDrive® usage-based savings program
- Strong local agent presence in Midwest and West
- Affordable options for young drivers
Available Features
Customer Service
Premium Range
From
£625.00
Average
£883.33
Cover Types
- Comprehensive
- Liability + Collision
- Liability Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
0.0%
Frequently Asked Questions
What is KnowYourDrive®?
KnowYourDrive® tracks habits to reward safe driving.
How does American Family handle claims?
Claims can be filed through agents, online, or via their app 24/7.
Can I get multiple policies with American Family?
Yes, American Family offers discounts for bundling auto with home, renters, or life insurance.
Is American Family good for new drivers?
Yes, they have competitive pricing for teens and first-time drivers.
In-Depth Provider Analysis
Expert Analysis: American Family Insurance Car Insurance
American Family Insurance, or AmFam, offers highly customizable auto policies with a focus on personalized service and family-oriented protection. Operating mainly in the Midwest and select other states, AmFam offers DriveMyWay® and KnowYourDrive® telematics programs, flexible deductible options, and loyalty discounts. It targets suburban families and professionals seeking local agent support and reward-driven programs for safe driving.
Professional Editorial Review
AmFam excels at long-term relationships, tailored coverage, and family discounts. While not the cheapest, its combination of personal service and flexibility makes it a standout in its service areas.
Market Position
A regional favorite positioned as a friendly, service-driven brand for American families.
Pricing Strategy
American Family uses a mid-range pricing approach but layers on savings through bundling, loyalty, and telematics programs.
Who Should Consider American Family Insurance? A Detailed Analysis
Families and suburban professionals seeking personalized attention, bundling opportunities, and safe-driving discounts.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Well-rated for claims and customer service
Strong relationships with policyholders and agents
Competitive bundling with homeowners and renters insurance
Responsive claims support with good regional satisfaction scores
Important Considerations
Limited national availability (not in all 50 states)
Digital tools are improving but lag behind top-tier tech insurers
Higher base rates without discounts or loyalty benefits
What Makes American Family Insurance Stand Out
KnowYourDrive® rewards safe driving behavior with up to 20% savings
Generational loyalty discounts for families
Customizable coverage options including gap insurance and accidental death benefit
Strong regional presence with agent support
Flexible deductible options including diminishing deductible
Claims Process Analysis
AmFam allows online and phone claims, backed by local agent assistance. Their repair network and digital document handling improve the speed of resolutions, and customers report positive outcomes for both major and minor claims.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
The company emphasizes strong agent relationships, with good regional support. Reviews highlight helpful and attentive service, especially for long-standing customers.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how American Family Insurance fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether American Family Insurance's approach aligns with your needs.
These market statistics help put American Family Insurance's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a licensed insurance expert with over 8 years of experience in the U.S. auto insurance market. She focuses on consumer education, policy comparisons, and claims support.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 8/5/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About American Family Insurance
How does American Family Insurance compare to other budget insurers in terms of value for money?
American Family Insurance positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from American Family Insurance's claims process?
AmFam allows online and phone claims, backed by local agent assistance. Their repair network and digital document handling improve the speed of resolutions, and customers report positive outcomes for both major and minor claims. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is American Family Insurance suitable for young or inexperienced drivers?
American Family Insurance can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is American Family Insurance for long-term coverage?
American Family Insurance has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like American Family Insurance work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofAmerican Family Insurance's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from American Family Insurance for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with American Family Insurance
How to Get Coverage
- Visit American Family Insurance's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact American Family Insurance directly for the most accurate and up-to-date quotes for your specific situation.