How much does American Family auto insurance cost?
American Family costs $123 per month, on average. That’s the rate for a full-coverage policy with bodily injury liability limits of $50,000 per person and $100,000 per accident, so cost can vary by coverage levels.
But this makes American Family cheaper than the national average rate of $137 per month for a car insurance policy with the same coverage levels.
Coverage amount | Average annual rate for American Family |
---|---|
Required state minimum | $676 |
Full coverage ($50,000/$100,000) | $1,479 |
Full coverage ($100,000/$300,000) | $1,557 |
What discounts does American Family offer?
Multi-vehicle discount: Save money by insuring two or more cars on your American Family policy.
Loyalty discount: Get a discount for maintaining an American Family policy for a certain amount of time.
Early bird discount: Depending on your state, if you have an active policy with another carrier and receive an American Family quote at least seven days before the policy goes into effect, you could get a discount.
Multi-product discount: Also called a multi-policy or bundling discount, save money by bundling other American Family insurance policies, like home or condo, with your auto insurance.
“Steer Into Savings” discount: If you switch to American Family from another carrier you may be eligible for a discount (depending on your state.)
Auto safety equipment: Get a discount for having air bags and other safety features in your vehicle.
Defensive driver: Depending on your state, you could get a discount if you are over 55 and complete an approved defensive driving course (you’ll have to show proof to AmFam).
Good driving discount: Drivers without accidents, moving violations, or other claims may be eligible for a discount.
Low mileage discount: Driving under 7,500 miles per year can earn you a discount on your car insurance.
Good student discount: Students who maintain good grades may qualify for a discount.
TeenSafeDriver discount: Free to AmFam policyholders with a teenage driver, you may get a discount on your policy for enrolling your teen in the TeenSafeDriver program.
Away at school discount: You can earn a discount if you or your child is a student who is under 25, more than 100 miles away at college and their car is parked at home.
Young volunteer discount: If you're under 25 and complete 40 hours of volunteer work per year for a non-profit you could save money on your auto insurance.
Generational discount: You could save on your auto policy if at least one of your parents is currently an American Family customer.
Auto pay discount: Get a discount when you enroll in automatic funds transfer (AFT) or electronic recurring payments.
Customer full pay: Save money when you pay your AmFam premium in full at the start of your policy.
Paperless discount: Enrolling in online billing and e-delivery of your AmFam policy documents can help you earn a discount.
AmFam’s pay-how-you-drive discount programs
American Family offers three different discount programs that offer savings based on your driving behavior.
Most car insurance companies offer a version of usage-based insurance, usually through an app that tracks your driving habits and then adjusts your savings depending on how well you drive, but AmFam is unique in that it offers three different versions of usage-based discount, with varying state availability.
DriveMyWay | KnowYourDrive | MilesMyWay |
---|---|---|
Get a 10% introductory discount on your coverage and a 5% participation discount for continuous use, but unsafe driving behavior will increase your rate | Get a 10% discount for signing up, but the discount does not apply to all types of coverage and can go up or down over time, depending on how you drive | Usage-based coverage for people who drive less than 8,000 miles per year |
Offers additional savings based on driving skills (exactly amount not specified) | Get up to a 20% discount, depending on your driving behavior | Save up to 25% on your coverage by driving less |
Most customers save between 5% and 20% | Offers tips and advice for improving driving behavior | Does not apply to all types of coverage |
Only available in Utah | Not available in Utah | Only available in AZ, CO, IL and OR, but set to be available in every AmFam state by August of 2023 |
AmFam’s DriveMyWay and KnowYourDrive programs are standard usage-based programs that use a smartphone app to monitor your driving. Safe drivers (meaning people who don’t speed, stop short, or make unsafe choices) will earn bigger discounts.
DriveMyWay requires a 100 day trial period, during which AmFam tracks your behavior behind the wheel. At the 90 day mark you will receive an email offering you a rate based on your trial period and you have two options: you can continue to track your behavior for an additional 5% participation discount at your next renewal, or you can lock in the rate and turn off the continuous tracking. If the rate they offer you is actually higher than your original rate you can unenroll in the program before the 100 day trial period is over and your DriveMyWay score won’t be used to calculate your rate.
Unlike DriveMyWay, AmFam’s KnowYourDrive program can be started at any time and does not have a trial period. Any discount you receive from using the KnowYourDrive app will stay on your policy as long as you continue to participate and follow the rules of the program (like staying logged into the app) but, if you cancel the program or delete the app from your phone, you will no longer receive the discount.
Also, your KnowYourDrive discount will change over time as your driving behavior changes, so you can save even more if you become a safer driver over time.
DriveMyWay is only available in Utah, and KnowYourDrive is available in a number of AmFam states (but not in Utah).
Although the two programs have most of the same features, there is one important difference between the two beyond state availability: DriveMyWay can cause your rates to go up if you have enough unsafe driving behavior, while KnowYourDrive only offers a potential discount for good drivers and doesn’t increase rates for high-risk drivers.
MilesMyWay is AmFam’s pay-per-mile insurance program. It works by installing a sensor in your car that pairs with the MyAmFamDrive app to track your mileage in that vehicle. This means you can choose pay-per-mile coverage for a second vehicle that doesn’t get much use without paying by the mile for another vehicle that is driven more often.
MilesMyWay won’t ever increase your car insurance costs; your earned savings are applied to a base premium, which won’t go up (no matter how many miles you drive.)
American Family auto insurance state availability
American Family is available in 19 states, including:
American Family is not available in the following states:
What to expect with American Family auto insurance
How to get a quote: American Family sells car insurance coverage through in-house agents, so the best way to get a quote is to use the AmFam website to find a local American Family agent who can give you a quote, but you can also get a quote online.
Customer service options: The best way to meet your auto insurance customer service needs is to reach out to your American Family agent, but you can also call American Family directly at 800-692-6326.
How to file a claim: Customers can file a claim through the American Family insurance app (known as the MyAmFam app) or by calling 800-692-6326 to speak with a claims representative.
How to cancel your policy: You can contact your American Family agent to cancel your policy. If you don’t have the contact information for your AmFam agent, you can call 833-381-1155 and they will put you in contact with your agent or send a cancellation request to your agent on your behalf.