Insurance Quote American Family

Insurance Quote American Family: American Family Life Insurance

In today’s uncertain world, protecting what matters most to you is a top priority. Whether it’s your home, vehicle, or family’s future, having the right insurance coverage can provide invaluable peace of mind. American Family Insurance, a trusted name in the industry, offers a wide range of insurance products tailored to meet your unique needs. In this comprehensive guide, we’ll delve into the process of obtaining insurance quotes from American Family, ensuring you’re equipped to make informed decisions about your coverage.

American Family earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings. American Family is the nation’s ninth-largest auto insurance seller and has far fewer than the expected number of auto insurance complaints for a company its size.  American Family is a good auto insurer for most customers. The company also offers a wide selection of other insurance products, so if you’re looking for a one-stop shop for insurance, American Family might be a good fit for you.

Where American Family stands out: American Family Life Insurance

• Coverage options.

American Family offers more auto insurance coverage options than many other insurers, including rideshare insurance, gap insurance and original equipment manufacturer coverage. It also sells multiple life insurance products, including whole life insurance for children and seniors.

• Discounts and telematics programs.

American Family offers more discounts than most other companies and offers two different programs for drivers that want to participate in telematics programs, which tracks your driving habits. In exchange, you could earn a discount. Teen Safe Driver is offered to drivers 21 or younger, while KnowYourDrive is available for everyone.

• Accident forgiveness.

You can buy accident forgiveness through American Family if you meet their requirements, which ensures your rates won’t go up if you have an accident. However, what makes the insurer stand out is that you can earn accident forgiveness for free if you switch to American Family after being claim-free for at least five years with your current insurer.

How much does American Family car insurance cost? 

American Family car insurance costs $1,791 per year on average for full coverage insurance. That is almost $200 a year less than the average national annual rate of $1,982. American Family’s annual average rates are cheaper than most other large insurers except for Travelers and USAA, which sells policies only to active and former military members and their families.

Company	Average annual rate with a clean record
Travelers	$1,681
American Family	$1,791
Geico	$1,846
State Farm	$1,976
Allstate	$2,665
Progressive	$2,112
Nationwide	$2,279
Farmers	$3,106
USAA*	$1,432

How American Family’s rates compare

Your car insurance rate is determined by a variety of factors, including your driving record and credit history in most states. California, Hawaii, Massachusetts and Michigan don’t allow insurers to use credit when determining car insurance rates. Here are American Family’s average annual auto insurance rates compared to 2024 national averages for full coverage insurance and four driving profiles.

Driving profile	American Family average rate	National average rate
Good driver, good credit	$1,791	$1,982
Recent at-fault accident, good credit	$2,642	$2,936
Recent DUI, good credit	$2,433	$3,693
Good driver, poor credit	$3,076	$3,222

American Family auto insurance coverage

When you’re shopping for car insurance coverage, it’s important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work. American Family offers a standard suite of auto insurance coverage types plus a few additional options, including these:

• Gap insurance will pay out if your car is totaled and it is leased or has a loan balance. Without this coverage, you would receive only the depreciated value of the car minus any deductible — leaving you to pay off the rest.
• Accidental death and dismemberment coverage pays out if a car accident causes death or certain injuries, regardless of who’s at fault.
• Ridesharing insurance is available for customers who drive for services such as Uber or Lyft, but not in every state. It can be added to your personal auto policy and fills a coverage gap while you’re waiting for customers, so you’re fully insured the entire time the app is on.
• Original equipment manufacturer coverage pays for your vehicle to be repaired with parts made by your car’s manufacturer rather than aftermarket parts.

Other insurance from American Family

American Family sells several types of insurance in addition to auto, home and life insurance, including:

1. Motorcycle.
2. ATV.
3. Umbrella.
4. RV.
5. Boat.
6. Business.
7. Condo.
8. Ranch and farm.
9. Manufactured home.
10. Snowmobile.
11. Classic car.

American Family also offers the following types of insurance through third parties:

1. Travel insurance.
2. Pet insurance.
3. Flood insurance.
   

Tips for Obtaining Accurate Quotes:

• Provide Accurate Information:

When requesting insurance quotes from American Family, ensure that the information you provide is accurate and up-to-date. This includes details such as your address, vehicle make and model, and coverage preferences.

• Review Coverage Options:

Take the time to review the coverage options presented in your insurance quotes from American Family. Consider factors such as coverage limits, deductibles, and additional endorsements to ensure you have the protection you need.

• Ask About Discounts:

American Family offers a variety of discounts that can help lower your insurance premiums. Be sure to inquire about available discounts such as bundling multiple policies, safe driving discounts, and home security discounts.

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Obtaining insurance quotes from American Family is a straightforward process that can provide invaluable peace of mind. With customizable coverage options, personalized service, and a commitment to financial stability, American Family is well-equipped to meet your insurance needs. Whether you’re protecting your home, vehicle, or family’s future, American Family has you covered. Start your journey towards greater peace of mind today by requesting an insurance quote from American Family.