American Family review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
American Family is a mutual insurer rather than a broker, and it suits households in the US who want several kinds of cover held under one name and one company. Trading since 1927, it writes policies across auto, home and life and handles customer questions through phone rather than an online desk.
Key facts
- Best for
- Households wanting several kinds of cover from a single mutual insurer.
- Insurance types
- Auto, Home, Life, Health, Motorcycle, Travel↗
- Provider type
- Insurer↗
- Legal entity
- American Family Mutual Insurance Company, S.I.↗
- Headquarters
- United States↗
- Founded
- 1927↗
- Support channels
- Phone↗
- Official website
- amfam.com
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- Covers auto, home and life in one place
- An insurer, so policies sit with the company that carries the risk
- Based in the US with a long trading history since 1927
- Reachable by phone through phone
Cons
- Support runs on phone only, with no listed email or chat route
- Premium figures are not among the items listed against auto, home and life, so the only route to costs is a quote
- Its auto, home and life do not include pet or gadget cover
Who it suits
- Drivers and households in the US who want auto and home policies together
- People bundling life or health cover with a home or auto policy
- Anyone who prefers to deal with an insurer rather than a broker
Who should look elsewhere
- Shoppers who need pet or gadget cover, which auto, home and life leaves out
- Anyone who wants email or chat help, as phone does not list them
- Readers who need published prices before they apply
The company behind it
American Family operates as American Family Mutual Insurance Company, S.I., an insurer that has traded since 1927 and is headquartered in the US. Cover falls across auto, home and life, so a driver, a homeowner and a saver can all hold policies with the same company. Help runs through phone, which means a call rather than an online desk.
How American Family compares
9.3 vs 8.6
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 8.7Its health, life and gadget set points at health, life and gadget cover, a different mix from American Family's auto and home focus.
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.7Covers life only, so it suits a reader focused on life insurance rather than a household spread.
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.0
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.6
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.3
9.3 vs 8.2- 9.3 vs 8.0
Where American Family is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What kinds of cover does American Family sell?+
Its listed lines are auto, home and life, which means a household can hold auto, home, life, health, motorcycle and travel policies with one company. Pet and gadget cover are not on that list. Anything outside those lines would need a different provider.
Is American Family an insurer or a broker?+
It is an insurer, listed under American Family Mutual Insurance Company, S.I.. The cover sits with the company itself rather than being passed to another carrier. That matters if a reader wants to know who carries the risk on a claim.
How do I reach American Family for help?+
Support runs on phone, and phone is the only listed route. There is no email or chat channel in the information, so a claim or policy question means picking up the phone. Plan accordingly if a claim has a deadline.
Where is American Family based and how old is it?+
The company is headquartered in the US and has been trading since 1927. That length of record is the sort of thing readers look for when a policy runs for a whole year at a time. It is a mutual structure rather than a listed company.
Does American Family offer monthly payments?+
Nothing in the information confirms a monthly payment option for its policies, and no premium figures are published. The only pricing picture available is the wider market range, where starting premiums run €8.31 at the median. Treat any figure as indicative until a quote comes back.
How do its premium costs compare with other insurers?+
Across the site, starting premiums sit at a median of €8.31, with a lower quartile of €2.92 and an upper quartile of €29.72. American Family publishes no premium figure itself, so the comparison is directional rather than exact.
Which is the cheaper option, American Family or a lower-cost alternative?+
Price is where the limits show. American Family lists no premium, while Linxea's range is life and Oney Préstamos ES covers health, life and gadget. Those are narrower scopes, so a like-for-like price is not available from the information.
What protection is there on the money and the policy?+
No regulator, licence or protection scheme appears against this brand, so nothing can be said about a compensation cover or a state guarantee. The only firm points are the insurer structure and the 1927 trading record. Anyone weighing a large policy should check the terms directly.
Sources
- en.wikipedia.org/wiki/American_Family_Insurance checked September 26, 2026
Backs: Provider type, Founded, Insurance types
“American private mutual company ... It focuses on property, casualty, and auto insurance, and also offers commercial insurance, life, health, and homeowners coverage”
- newsroom.amfam.com/fast-facts checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“American Family's National Headquarters is located at 6000 American Parkway, Madison, Wisconsin, 53783.”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from, Monthly payments.
American Family
Households wanting several kinds of cover from a single mutual insurer.