Drive your way — flexible car insurance customized by you
How can you save on car insurance?
Bundle and save
Enroll in personalized pricing programs
With American Family's usage-based programs, you can get more control over what you pay for your car insurance. We offer two types of programs designed to help you save:
- DriveMyWay: Personalize your rate by practicing safe driving habits
- MilesMyWay: Earn more savings by driving fewer miles
How much car insurance do I need?
Common coverages
Most drivers need these coverages. Many are required by state law, and collision/comprehensive are often required if you finance or lease. Medical expense coverage availability varies by state.
Collision coverage
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- Covers damage to your car from a crash with a vehicle or object
- Choose your deductible (your out-of-pocket maximum
Comprehensive coverage
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- Helps cover theft, vandalism, hail, fire, animals and failing objects
- Choose your deductible
Bodily injury liability coverage
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- Helps pay for injuries to others if you're not at fault
- Choose your coverage limites
Medical expense coverage
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- Helps pay medical bills for you and your passengers after an accident
- Coverage options vary by state
Additional coverages
Emergency roadside assistance
Rental reimbursement
- Helps pay for a rental car after a covered claim
- Choose daily and maximum limits
Learn more > Accident forgiveness
- May help prevent a rate increase after a qualifying at-fault accident
- Eligibility and availability vary
Learn more > Loan/lease gap coverage
- Helps cover the difference between what you owe and your car’s value after a total loss
Learn more > Uninsured/underinsured motorist coverage
- Helps protect you if the other driver has no insurance or not enough
- Coverage availability/requirements vary by state
Learn more >
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Protect More Than Just Your Car
Looking for coverage beyond your car? American Family Insurance also offers boat and motorcycle insurance to help safeguard all your adventures.
Get a personalized quote for your boat or motorcycle today and enjoy the same trusted service.
Get your car insurance quote in 3 easy steps
- Have your driver’s license ready
- Grab your VIN (or your vehicle’s year/make/model)
- Click “Get an auto quote”
This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
*Customers who bundle home and auto insurance policies may save up to 40% on both policies together (as of June 2025). Discounts include Multiproduct, Auto Pay, Paperless, and DriveMyWay. Discounts may vary by state, property, policy form and company underwriting the home and/or auto policy. Discounts may not apply to all coverages on a home or auto policy.
**Rate will vary based on driving behavior. Unsafe driving behaviors may increase your rate. Product eligibility will vary by state, vehicle type, policy form and company underwriting the auto policy. Some restrictions may apply. The DriveMyWay rate factor applies only to these coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense, and personal injury protection. Additionally, the rate factor does not apply to fixed fees that are part of the policy. To refresh your understanding of coverages, visit the Car Insurance Coverage page. Customer driving behaviors from the KnowYourDrive program were used to inform rate structure. Adding or removing drivers from a policy may impact the overall score. Households where not all eligible participants on the policy are enrolled will receive a 5% introductory discount.
***If you unenroll drivers after the 100-day trial period ends, we’ll still use their driving behavior at the time of unenrollment when calculating your rate.
† Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.