American Family Insurance is a mutual insurance group headquartered in Madison, Wisconsin, offering personal and commercial insurance products. It operates largely through a network of exclusive local agents and sells coverage in a subset of US states rather than nationwide.
Founded
1927
Headquarters
Madison, WI
AM Best (financial strength)
A
J.D. Power (satisfaction, approx.)
815
NAIC complaint index
0.91
American Family carries an A.M. Best financial-strength rating of A. A.M. Best ratings measure an insurer's ability to meet its ongoing policyholder obligations; ratings of A- and above are considered "excellent" or "superior." This reflects claims-paying ability, not price or customer service.
American Family has a NAIC Complaint Index of about 0.91, where 1.00 is the market average. A value below 1.00 means fewer complaints than expected for its market share. Complaint indexes vary by state and year — verify at content.naic.org.
You can request a quote or reach American Family at amfam.com or by phone at 1-800-692-6326. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
Michael Torres
Editorial Lead, Catastrophe & Commercial Property
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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