American Family Car Insurance: Average Cost & Factors

Choosing a car insurance provider can feel overwhelming. If you're considering American Family, understanding its pricing structure is essential to determining whether it fits your needs. However, we recommend gathering quotes from several providers to ensure you're securing the best value and saving money on your car insurance.

American Family car insurance pricing per month

American Family charges $160 per month on average for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage will pay an average of $79.

Keep in mind these figures represent averages. Your actual rate depends on multiple factors including age, location, credit score, and driving history. While your personal rate with American Family might be different, these averages provide a useful benchmark for comparing providers.

American Family average monthly cost National average monthly cost Full coverage $160 $187 Liability-only $79 $98

American Family's rates versus other car insurance providers

Each company has its own method for evaluating risk and applying discounts, which means pricing can differ significantly. Comparing quotes is worthwhile to understand how American Family's rates match up for your particular circumstances.

Provider Average monthly full coverage cost Average monthly liability-only cost State Farm $108 $53 Progressive $152 $86 GEICO $148 $80 Allstate $148 $72 USAA $103 $51 American Family $160 $79

American Family's rates by age

American Family, like most insurance companies, weighs age heavily when calculating premiums. Car insurance for teen drivers carries the highest costs, with full-coverage premiums averaging $316 per month.

As you enter your 20s, rates tend to decrease, averaging $182 with American Family. Rates decline further in your 30s to an average of $158 and in your 40s to $152.

The most favorable rates often appear for drivers in their 50s, 60s, and 70s with monthly averages of $133, $118, and $106, respectively.

This pattern demonstrates how insurers evaluate risk across different life stages.

Age group American Family average monthly full coverage cost National average monthly cost Teens $316 $347 20s $182 $238 30s $158 $198 40s $152 $192 50s $133 $178 60s $118 $163 70s $106 $167

American Family's rates for high-risk drivers

Traffic violations or accidents on your record will typically result in higher car insurance rates with American Family. High-risk drivers with a speeding ticket face average monthly costs of $215, while an at-fault accident raises rates to approximately $219 per month.

Drivers with a DUI face significantly higher premiums, with monthly rates averaging $208. While these numbers reflect standard pricing for high-risk drivers, your actual rate will vary based on the recency of the incident and other individual rating factors.

Driving record American Family average monthly full coverage cost National average monthly cost Accident $219 $250 Speeding ticket $215 $241 DUI $208 $269

How does your credit score affect your rate with American Family?

Credit scores factor into insurance pricing in all states except four: California, Hawaii, Massachusetts, and Michigan.

Where credit scoring is permitted, American Family adjusts premiums according to your credit tier. Drivers with excellent credit average $134 per month, while good credit results in rates near $157.

Average credit typically yields monthly premiums of $165, while poor credit pushes costs to around $185 per month on average.

These figures illustrate how significantly credit can impact your monthly premium, though your actual rate will also reflect other personal factors.

Credit score American Family average monthly cost of full coverage National average monthly cost Excellent $134 $163 Good $157 $179 Average $165 $195 Poor $185 $227

FAQs

Is American Family car insurance good for drivers with accidents or violations?

American Family could be a solid option if you have a speeding ticket or at-fault accident on your record, as this carrier tends to price these violations more competitively than many competitors. The insurer's accident forgiveness program helps protect your rates after your first at-fault incident, though availability depends on your driving history. 

How does American Family's telematics program work?

American Family's KnowYourDrive program uses smartphone technology to monitor your driving habits and reward safe behaviors with premium discounts. You receive an automatic 10% discount just for enrolling, then earn up to an additional 10% based on how you drive. The program evaluates factors like braking, acceleration, and mileage to determine your savings. DriveMyWay serves Utah residents with similar functionality, helping American Family policyholders take more control over their insurance costs through driving performance.

Does American Family specialize in coverage for young drivers and their families?

American Family focuses heavily on teen and young driver insurance with specialized discount programs that set it apart from other carriers. They offer unique savings opportunities like the good student discount, student away at school discount, young volunteer discount, and generational discount for families with existing American Family policies. This specialization in youth-focused programs could make American Family's pricing structure more favorable for households adding drivers under 25, though individual rates will still vary based on location and driving profile.

Bottom line

Should you choose American Family as your car insurance company? Requesting quotes from American Family alongside other insurers and comparing them on both price and service is the most effective way to decide.

Data throughout provided by Insurify. 

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