American Family car insurance cost comparison for good drivers
American Family has average car insurance rates for good drivers. Its national average cost for good drivers is slightly higher than the $2,150 a year average among car insurance companies. Consider taking a look at Forbes Advisor’s list of the best car insurance companies.
American Family’s grade from Collision Repair Professionals: C+
In a survey of collision repair professionals by the CRASH Network, American Family earned a C+ grade.
Autobody experts’ opinions are valuable because they see how insurers compare in using standard repair parts, whether insurers support the use of repair procedures recommended by automakers, And whether insurance companies have claims processes that lead to fast and acceptable claims. customers.
Does American Family Offer Accident Forgiveness?
Yes, American Family offers accident forgiveness, which can be beneficial because it prevents your insurance from going up after an accident and allows you to keep a good driver’s discount.
You can purchase accident waiver coverage from American Family if you have had no at-fault accident or violation in the past 12 months and no more than one at-fault accident in the past three years.
If you haven’t had an at-fault accident in the past five years, American Family awards you accident waivers at no additional cost.
Does American Family offer a reduced deductible?
Yes, safe drivers may want to consider the American Family Reduced Deductible feature, which is an additional feature you can purchase. If you have a collision or comprehensive claim, the deductible is the amount deducted from your payment. With a declining deductible, the amount deducted decreases over time.
With American Family’s reduced deductible, you get a $100 credit from the start, reducing the $500 deductible to $400. For each year you go without an accident claim, the deductible is reduced by $100 until zero in the fifth year.
If you file a claim and use your deductible credit, you reset the first year with a $100 deductible. This is helpful if you want to pay less out-of-pocket for claims as the years progress.
| Company | National average annual cost for good drivers |
|---|---|
| USAA | $1,412 |
| Geico | $1,716 |
| State Farm | $1,959 |
| Nationwide | $2,041 |
| Progressive | $2,157 |
| American Family | $2,176 |
| Farmers | $2,381 |
| Allstate | $3,000 |
American Family has only average rates for drivers with speeding tickets. If you have a ticket or two on your record, it is wise to compare car insurance quotes due to the wide range of rates offered by auto insurance companies.
Auto Insurance Complaints Against American Family
American Family has a very low level of auto insurance complaints compared to many major insurers, based on complaints made to state insurance departments nationwide. American family complaints are also well below the industry average. Auto insurance complaints are about claim denials, delays and unsatisfactory settlements.
