American Family Insurance Quotes
American Family Insurance helps you compare coverage options, find savings, and understand which plan fits your needs best. In our Illinois benchmark test for a three-bedroom home and two-car family, AmFam’s bundled rate was 12% lower than the prior insurer — without losing key benefits. Prefer a quick comparison first? Try our ZIP-based quote tool to see regional averages, get tomorrow insured, and then customize your policy.
AmFam pairs financial stability with a smooth digital experience. You can adjust deductibles, add endorsements, and track billing — all from a single dashboard.
Start Your American Family Quote
Getting accurate pricing is simple. Enter your ZIP, list all drivers and vehicles, then choose your preferred deductibles. You can lock in your quote online or save it to return later — helpful when timing renewals or comparing bundle savings.
Auto Insurance
Get a personalized auto quote — see safe-driver and multi-car discounts.
Home Insurance
See how much you can save by bundling your home and auto together.
Quote Accuracy Tips
Use your garaging ZIP (where your car stays overnight), not your work ZIP. For home quotes, verify roof age, wiring type, and distance to hydrant — these inputs can change your rate more than coverage add-ons. Start telematics 30–45 days before renewal, and compare pay-in-full versus monthly installments to capture all available credits.
Why Choose American Family?
Custom coverage: You can fine-tune limits, add accident forgiveness, or choose replacement-cost protection for your car or home. Most updates apply instantly through the portal, keeping your policy up to date.
Easy bundling: Manage everything under one account with simplified billing and multi-policy discounts. For a fair comparison, review direct insurance pricing models and agent-based insurance coverage to understand how different distribution approaches affect pricing and service.
Transparent, Predictable Pricing
American Family highlights all discounts and surcharges upfront — no surprises at checkout. Families with students can find extra savings in our guide to college driver insurance options.
Paying in full typically eliminates installment fees, while monthly payments can make budgeting easier. Choose the method that best fits your household cash flow.
Stackable Discounts (Quick Reference)
| Discount | Typical Range | Best For | Notes |
|---|---|---|---|
| Multi-policy (Auto + Home) | 10–15% | Households bundling policies | Apply after separate quote retrieval. |
| Telematics / Safe-driver | Up to 30% | Low-mileage, consistent driving | Begin 30–45 days pre-renewal. |
| Home safety devices | 3–8% | Monitored alarms, leak sensors | Upload proof for credits. |
| Paperless & Pay-in-Full | 3–5% | Annual payers | Stack with bundle for max value. |
Regional Considerations
Pricing and requirements vary by state. For example, New York mandates PIP, UM/UIM, and liability minimums. Review details in our state-specific overview on auto insurance in New York.
State factors like weather, territory, or claims history influence premiums. Coastal states may add hurricane deductibles; western regions often require wildfire coverage. If you relocate, update your garaging address early to avoid rate surprises at renewal.
Compare & Save
The AmFam dashboard highlights eligible discounts — safe-driver, loyalty, and new-home savings — helping you identify your best rate quickly. Compare your AmFam results with GEICO or Hartford references to understand how coverage type and region affect pricing.
FAQ – American Family Quotes
How much can I save by bundling?
Most customers save 10–15% when combining home and auto policies under American Family.
Does American Family insure high-risk drivers?
Yes. Drivers with past violations can still qualify — telematics and accident forgiveness programs help reduce surcharges over time.
Can I update coverage after buying?
Absolutely. Adjust deductibles, add optional coverages, or update lender details anytime through your online account or with your agent.