INSURANCE COMPANIES

American Family auto insurance profile

American Family Insurance, including American Family Mutual Insurance Company, S.I.. Quotes online and through American Family agents.

American Family sells personal auto insurance online and through its own agents in the states where it operates. Its coverage pages separate the policy into three plain groups: coverage for your car (collision and comprehensive), liability and injury coverage (bodily injury liability, medical expense and personal injury protection), and add-ons such as emergency roadside assistance, rental reimbursement and lease or loan gap coverage. That grouping is a useful template for your own quote specification, whichever company you end up comparing.

Personal autoSelect statesOpen to all driversOnline quotesLocal agentsDriving-score programLow-mileage program

Programs American Family advertises

DriveMyWay

American Family's usage-based program, which the company describes as personalizing your rate from your driving habits. American Family states that higher-risk drivers may see their rates increase.

MilesMyWay

American Family's low-mileage program. American Family states that drivers earn more savings by driving fewer miles, and that no sensor or app is required.

Eligibility limits

American Family sells auto insurance in a subset of states rather than nationwide: the company states it sells car insurance in 19 states. Check its site for your state before quoting.

What to ask when you quote American Family

Ask which add-ons are bundled into the quoted price and which are priced separately, and ask how DriveMyWay treats occasional drivers on the policy, such as a college student who drives only in summer. If you drive little, ask for a MilesMyWay price at your real annual mileage.

American Family Mutual Insurance Company, S.I. (NAIC 19275), based at 6000 American Parkway in Madison, Wisconsin, heads a group whose 2025 annual report shows $17,180 million of property and casualty premiums earned, down from $17,697 million in 2024 after the group sold The General. In the state complaint tables we read, though, the larger auto book usually belongs to a subsidiary, American Family Insurance Company (NAIC 10386), not to the mutual itself.

From Farmers Mutual Automobile to a multi-brand group

American Family's history page starts on October 3, 1927, when Herman Wittwer launched Farmers Mutual Automobile Insurance Company in Madison. After several mergers and renamings, the company took its current name, American Family Mutual Insurance Company, S.I., in 1963.

The group then grew by acquisition. The same timeline records The General (the Permanent General Companies of Nashville) joining in 2012, Homesite in 2013, policyholder approval of a merger with The Main Street America Group in 2018, and Ameriprise Auto & Home joining in 2019 and being renamed CONNECT, Powered by American Family Insurance. In 2024 American Family announced the sale of The General to Sentry Insurance. The 2025 annual report states that The General was deconsolidated as of its December 31, 2024 sale date, which is why group premium fell in 2025.

Group results in the 2025 annual report

Because 2024 still includes The General's results through the sale date, the year-over-year drop in earned premium is not a like-for-like measure of the remaining auto business. Net income attributable to the group rose to .18 billion in 2025 from .53 billion, and members' equity reached 4.28 billion at year-end.

Which American Family company writes the auto policy

• American Family Mutual Insurance Company, S.I., NAIC 19275, the group parent.
• American Family Insurance Company, NAIC 10386, a writer that carries more Colorado and Illinois auto premium than the parent.
• American Family Connect Property and Casualty Insurance Company, NAIC 29068, and American Family Connect Insurance Company, NAIC 12504, the CONNECT companies from the 2019 Ameriprise Auto & Home transaction.

American Family's car insurance page says it serves customers across 19 states and offers two ways to buy: an online quote, or a quote through one of its agents. The CONNECT companies appear separately in Texas and New York complaint data, under their own names. Read the company name on your declarations page before you look up a record. Similar-sounding names in state tables are not always part of this group, so match the NAIC code as well as the name.

State complaint data

The Colorado detail reports show both core American Family companies below 0.50 in every year from 2021 through 2025, while the CONNECT company moved between 0.83 and 1.83 over the same years. The two core companies also stay well under the Illinois mean. Rules for those states are on our Colorado and Illinois pages.

American Family questions