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American Family Insurance Review 2021
American Family Insurance is the tenth largest auto insurance provider in the United States. It offers a broad range of coverages that you can bundle according to your preference. American Family is one of the most renowned insurance companies due to its comprehensive policies and very little complaints from its clients. If you are looking for a trusted insurance company that offers bundled policy options, then American Family could be the right fit for you.
American Family reviews and ratings
- Customer satisfaction ratings are average.
- Gets fewer complaints to state regulators regarding home and auto insurance than other companies relative to its size.
- Offers rideshare insurance in most states.
American Family Auto Insurance Rating
4.5
American Family insurance garnered a 4.5 rating based on its size and overall performance. We assess American Family’s rating by looking closely at its policy rates for different drivers, financial stability, ease of making a claim, discounts, and complaint information from the National Association of Insurance Commissioners. Upon examining these factors, we recognized the American Family as one of the top-notch car insurance companies.
American Family Car Insurance Coverages and Features
| American Family Auto Coverage Options | Description |
|---|---|
| Gap Insurance | American Family Insurance will payout your totaled car as well as its remaining balance. However, American Family will only pay the depreciated value of the vehicle and you will have to pay the excess. |
| Ridesharing Insurance | This feature from American Family is intended for Rideshare drivers, such as Uber and Lyft. However, this coverage is only available for specific states. |
| Accidental Death and Dismemberment Coverage | American Family will pay if the car crash causes life or serious injuries regardless of whoever is at-fault during the accident. |
American Family Auto Insurance Discounts
- Multipolicy Discount or Bundling Discount
- Good Driver Discount
- Multi-vehicle Discount
- KnowYourDrive App Discount
- Loyalty Discount
- American Family Switch Perks
- Early-bird Discount
- Safety Device Installation Discount
- Defensive Driving Course Completion Discount
- Good Student Discount
- Safe Driver Program Discount (Applicable only for teenagers)
- Student Away From School Discount
- 40-Hour Volunteer Work Completion Discount
- Paperless Transaction Discount
American Family Homeowners Insurance Coverage
| American Family Homeowners Insurance Policies | Description |
|---|---|
| Backup and Overflow | American Family will pay if in any case, your sump pump overflows or when your sewer becomes faulty. |
| Identity Theft | If you have been a victim of fraud, American Family will pay for the expense associated with the crime to restore your finances. |
| Home-Based Businesses | American family will provide liability and personal property coverage if you are running or if your business is located in your residence. |
| Equipment Breakdown | If in any case that your appliances or any valuable home equipment break down, American Family will pay for the cost. |
American Family Home Insurance Discounts
- Safety Device Installation Discount
- Multipolicy Discount
- New Home Discount
- Paperless Transaction Discount
- Loyalty Discount
American Family Life Insurance
American Family offers numerous term and whole life insurance options. They offer DreamSecure Simplified Term policy which does not require a medical exam and can be issued within 10 business days. The coverage ranges from $50,000 to $150,000 for 10, 15, 20, and 30-year term.
American Family Customer Satisfaction Assessments
American family is one of the trusted insurance companies in the country. It has very low customer complaints garnered from the National Association of Insurance Commissioners relative to its size for the car, life, and home insurance.
American Family’s overall rating in the US is above average with significant consideration to the range it covers across the nation. Here is a comprehensive study from the 2019 J.D. Power Study:
| Assessment Category | American Family’s Customer Satisfaction Rating |
|---|---|
| Auto Insurance Shopping | Above Average |
| Auto Insurance Claim Satisfaction | Average |
| Home Insurance Policy Satisfaction | Average |
| Property Insurance Claims Satisfaction | Average |
American Family’s Digital Platforms
| Digital Platform | Description |
|---|---|
| American Family’s Website | American Family created a holistic website that caters to all their services. Using the website, you can easily find a reliable local agent, get a quote, and learn more about their products and services. |
| American Family’s Mobile Application | American Family created a mobile app called MyAmFam. It is a user-friendly app that lets you pay your bills, manage or access your policies, submit photos after an accident, and check claim status. |
American Family’s Other Insurance Services
- Motorcycle Insurance
- ATV Insurance
- RV Insurance
- Boat Insurance
- Renters Insurance
- Umbrella Insurance
- Flood Coverage
- Business Insurance
- Condo Insurance
- Mobile-Home Insurance
- Ranch and Farm Insurance
American Family Client Satisfaction Pros and Cons
| PROS | CONS |
|---|---|
| American Family Insurance earned minimal complaints from state regulators for home, life and car insurance policies. | American Family offers various coverages to bundle. |
| American Family offers various coverages to bundle. | American Family’s policies are only limited to selected states. |
| American Family gives a lot of perks and discounts. |
American Family Insurance FAQs
Do I have to pay for my deductible to American Family even if I am not at-fault?
It depends on your unique situation. However, if you get your car repaired, you may need to pay for the deductible and wait for the reimbursement.
What happens if my car is totaled under American Family’s policy?
After determining that your car was totaled, your adjuster will then remove all your personal items in the vehicle. After, you will be asked to connect with your lender if your car is on lease or loan. Then, American Family will pay you a cash settlement of the actual cash value of the car.
Do I need to acquire coverage even if my car is old?
It will totally depend on you. If you don’t mind the aesthetics of your car and if your car is on its last few mileage, then it is ideal not to acquire anymore.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.