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 $67 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 |
| $67 | $127 | |
| $41 | $109 | |
| $65 | $133 |
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 answerWhy 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 answerDoes American Family use telematics?
Yes, American Family uses telematics through KnowYourDrive, a program that tracks a customer’s driving habits using the mobile app. Customers can sign-up for KnowYourDrive and receive a discount of up to 20% if they consistently practice safe driving.
What American Family Telematics Tracks
- Miles driven
- Speed
- Acceleration
- Braking
- Distracted driving
- City driving
- The time of day that you drive
In order to use KnowYourDrive,...
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