McKayla Girardin, Car Insurance Writer
@mckayla_girardin
American Family is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from American Family costs an average of $108 per month, and American Family premiums can be made even cheaper by taking advantage of discounts such as safety features discounts and low mileage discount. Plus, American Family rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.
Average Monthly Rates for American Family vs. Top Competitors
Company | Minimum Coverage | Full Coverage |
$108 per month | $224 per month | |
$77 per month | $217 per month | |
$82 per month | $298 per month |
Note: Premiums are representative of a 45-year-old good driver in IL; individual premiums will vary.
American Family is especially cheap for young drivers in particular. That's because American Family has special savings opportunities for drivers in this category, such as discounts for drivers under 25 years old who volunteer for non-profits, and savings for students who maintain at least a B average.
Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though American Family is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.
To learn more, check out WalletHub's review of American Family and see American Family's full profile.
People also ask
How can I get cheaper car insurance?
The best way to get cheaper car insurance is to compare quotes from multiple companies and then switch to whichever insurer offers the coverage you want at the cheapest rate. Other ways to get cheaper car insurance include taking advantage of discounts, improving your driving record, and raising your credit score.
10 Ways to Get Cheaper Car Insurance
1. Compare quotes every 6-12 months.
Every car insurance company calculates premiums slightly differently,...
read full answer by WalletHub, Financial CompanyWhy did my American Family rate go up?
Your American Family rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause American Family to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. American Family may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and...
read full answer by Candace Baker, Car Insurance WriterDoes American Family use telematics?
Yes, American Family uses telematics with KnowYourDrive, a program that tracks your driving habits using a mobile app. You can get a 10% discount when you sign-up for KnowYourDrive, and the better you drive, the more you can save with American Family.
How American Family's KnowYourDrive Works
- Tracks miles driven, speed, acceleration, braking, city driving, distracted driving, and the time of day that you drive
- Uses a mobile app for tracking...
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