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Gather the basics before you start a quote
Have each driver’s license number, the vehicle identification number (VIN) for every car, current mileage and a payment card ready; this is the exact checklist AmFam recommends so coverage can begin the same day .
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Get your personalized rate online, by phone or with an agent
Visit amfam.com/auto and click “Get a Quote,” call 1-800-MY-AMFAM or ask a licensed independent agent — prices are identical across channels .
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Customize coverages and apply discounts in real time
Adjust liability limits, add collision or comprehensive, and explore extras like accident forgiveness; the quote tool shows savings for bundling home and auto, good-driver telematics and more as you toggle options .
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Lock in the policy with your first payment
Review the final premium, pick a pay-in-full or monthly plan, then submit at least the first month’s premium to activate coverage immediately .
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Download digital ID cards and manage the policy 24/7
Proof of insurance appears instantly in the MyAmFam app and online dashboard, where you can file claims, add vehicles or chat with support any time .
Full Review of American Family Auto Insurance: Broad Coverage, Smart Tech Savings, but Only for 19 States
Quick Verdict
American Family (AmFam) is a financially strong regional carrier with generous add-ons and telematics discounts that never penalize bad scores. Its rates sit slightly below the national average once you apply the usual bundle and driver-safety breaks, but claims satisfaction lags and availability is limited to 19 states. If you like custom coverage and don’t mind using a driving-app to save, AmFam should make your shortlist.
1. Snapshot
| Item | Detail | How it compares |
|---|---|---|
| Financial strength | AM Best A (Excellent) | On par with State Farm & Allstate |
| Complaint index (NAIC, 2023) | 0.50–0.97 | Better (lower) than national 1.00 |
| Avg. full-coverage premium (2025) | $2,132 | ≈ $180 cheaper than U.S. average |
| Digital service (J.D. Power 2024) | #2 overall | Top-tier |
| Claims satisfaction | Below industry avg. | Weak spot |
| States served | 19 (AZ, CO, GA, IA, ID, IL, IN, KS, MN, MO, ND, NE, NV, OH, OR, SD, UT, WA, WI) | Regional footprint |
2. What’s covered
Standard package (same as the big names)
- Liability (BI/PD)
- Collision
- Comprehensive
- Medical Pay/PIP (state rules)
- Uninsured / Underinsured Motorist
Popular add-ons
| Add-on | Why it matters |
|---|---|
| Gap | Pays leftover loan/lease after a total loss—key for new, financed cars |
| New Car Replacement | Brand-new model if yours is totaled in year 1 |
| Accident Forgiveness | First at-fault accident won’t raise rates |
| Diminishing Deductible | Deductible drops $100 every claim-free year |
| Rideshare Endorsement | Fills Uber/Lyft “Period 1” gap |
| Emergency Roadside | 24/7 help via 1-800-MYAMFAM |
| Pet Injury + AD&D | Covers vet bills and driver accidental death |
Few mainstream insurers match this breadth without moving into luxury-price territory.
3. What you’ll pay
| Scenario | AmFam* | U.S. average ** |
|---|---|---|
| Full coverage | $2,132 | $2,312 |
| Minimum state coverage | $672 | $683 |
- Internal 2025 projection.
**Quadrant Information Services.
Bankrate’s broader driver sample shows $2,825 for full coverage, still labeling AmFam “middle-of-the-pack.”
4. How to save
Traditional discounts
- Up to 25% for bundling auto with home, renters or life
- Good Driver, Good Student, Defensive Driver course
- Early-Bird quote, AutoPay, Paperless, Full-Pay
Telematics (no surcharges—worst case you lose the discount)
| Program | Instant break | Max renewal break |
|---|---|---|
| KnowYourDrive | 10% | 20% |
| DriveMyWay | 5–10% | 20% |
| MilesMyWay (pay-per-mile) | 0% | Varies by mileage |
User gripes: occasional “phantom trips” and phone-battery drain.
5. Claims & service
- 24/7 filing online, MyAmFam app or 1-800-MYAMFAM
- Choose any repair shop or a fast-track partner
- Real-time status tracking and EFT payouts
Digital experience earns high marks, but overall claims satisfaction scores below the industry average—expect solid tech, but possible delays or communication gaps.
6. Is American Family right for you?
Best for
- Households bundling multiple policies
- Safe drivers (including teens) willing to install a telematics app
- New-car owners who need Gap + New Car Replacement
- Part-time rideshare drivers who prefer one personal policy
Probably pass if
- You live outside the 19-state footprint
- You want the absolute cheapest no-frills premium (look at GEICO or Progressive)
- A top-notch claims experience is non-negotiable (consider USAA or Erie where available)
Bottom line
American Family delivers robust, customizable coverage and some of the friendliest telematics savings in the market, backed by strong finances and low complaint ratios. Its average base rates and so-so claims satisfaction keep it from being a slam-dunk, but for many drivers—especially bundlers and tech-savvy families—it strikes a compelling balance between price, protection and digital convenience. Always compare at least two other quotes, but don’t overlook AmFam if it serves your state.