Above-average J.D. Power satisfaction and strong multi-line bundling for drivers in its 19-state footprint.
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ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Homeowners in American Family's 19-state coverage area who want to bundle auto with home or renters and value a carrier with above-average customer satisfaction scores.
American Family Auto Insurance — Above-average J.D. Power satisfaction and strong multi-line bundling for drivers in its 19-state footprint. Best for: Homeowners in American Family's 19-state coverage area who want to bundle auto with home or renters and value a carrier with above-average customer satisfaction scores.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
KnowYourDrive is American Family's mobile-app-based usage-based insurance program. After enrollment, the app tracks driving behavior including hard braking, rapid acceleration, phone use, time of day, and mileage. Drivers who demonstrate safe habits and low mileage during the monitoring period can earn discounts at renewal. Like all telematics programs, enrollment involves sharing driving data with the carrier. Current discount ranges, monitoring-period terms, and state availability are published at amfam.com. Source: American Family at amfam.com.
American Family earns above-average scores in J.D. Power's annual U.S. Auto Insurance Study for overall customer satisfaction in its covered regions — ranking among the better-performing regional carriers by this measure. It holds an A (Excellent) financial-strength rating from A.M. Best and a below-average NAIC complaint ratio. For drivers in its 19-state coverage area, particularly those who want to bundle auto with home or renters, American Family is a shortlist-worthy carrier. Standalone auto premiums without bundling may run above GEICO in some markets — compare quotes before committing. Sources: J.D. Power 2024 U.S. Auto Insurance Study; A.M. Best at ambest.com; NAIC at content.naic.org.
American Family writes auto insurance in approximately 19 states, including Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin. Coverage is not available in most Northeastern or Southeastern states. Verify current state availability at amfam.com before requesting a quote.
Yes. American Family offers accident forgiveness as an optional endorsement. When active, the first qualifying at-fault accident does not trigger a surcharge at policy renewal. Eligibility typically requires the policyholder to have been accident-free for a qualifying period before adding the endorsement. State availability varies — verify enrollment terms at amfam.com. Source: American Family Insurance at amfam.com.
American Family Insurance holds an A (Excellent) financial-strength rating from A.M. Best, reflecting a strong capacity to meet ongoing policyholder obligations. This rating is independently assigned by A.M. Best and updated annually. Verify the current rating at ambest.com. Source: A.M. Best at ambest.com.
No. ClearValue Lending is not a licensed insurance broker or agent. This review presents publicly available editorial information about American Family Auto Insurance. Coverage terms, pricing, and availability vary by state and individual circumstances — obtain official quotes and policy details directly from American Family at amfam.com.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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