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American Family Motorcycle Insurance Review: What You Need to Know Before You Buy

Often called AmFam, American Family Insurance is a well-established provider of a wide range of products, including motorcycle coverage.

This insurer is known for its strong commitment to customer service and community involvement. They have a reputation for being reliable and responsive when handling claims and addressing customer needs.

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The quality of your personal experience depends on your local agent and specific circumstances. It’s essential to review their policies, coverage options, and prices carefully to ensure they align with your needs and budget.

Pros and Cons of Choosing American Family Insurance

Before deciding to work with AmFam for your motorcycle insurance needs, it helps to review the specific advantages and disadvantages that apply to this relationship. Here is a closer look at what to expect from my experiences and the published reviews of other customers.

AmFam provides online tools and resources to help you manage your policy, make payments, and access important documents conveniently.While they offer discounts, AmFam’s motorcycle insurance premiums can be relatively high, especially for riders with less experience or a history of accidents.
You can add optional coverages like medical payments and uninsured/underinsured motorist coverage to protect yourself and your passengers in case of accidents involving uninsured or underinsured motorists.The coverage options and limitations may vary by state, and some riders may find that certain coverages they desire are unavailable in their location.
Several discounts are available, including anti-theft, safe rider, and bundling options. You can even save by renewing your policy with AmFam without having it lapse.AmFam automatically fills out the online quote questionnaire. If you change any of the default answers, you won’t be able to proceed because that means the company will not offer a policy.
American Family Insurance is known for providing superior customer service. Their local agents provide personalized assistance.Unlike some other insurers, AmFam doesn’t offer accident forgiveness as a standard feature, which means your rates may increase after an accident.
You’ll find the claims process to be fast and efficient, no matter what motorcycle model you drive.American Family Insurance currently operates in 19 states only.

American Family Insurance Pricing and Discounts

The right type of motorcycle insurance shows that you care about protecting yourself and others on the road. If you’ve outfitted your ride with custom parts and aftermarket upgrades, you know it is essential to protect those investments.

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AmFam wants to reward your dedication to a safer bike by delivering a range of motorcycle insurance discounts to consider. Here is the list of the options I was presented during my quote.

  • Multiple Policies: You can bundle your motorcycle insurance with other policies offered by American Family Insurance, adding up to four bikes to your online quote.
  • Continuous Coverage: Although this option doesn’t apply immediately, you can save money if there are no lapses in your coverage as time passes.
  • Payment Streamlining: You can reduce costs by paying in full or choosing other options presented to you during the underwriting process.
  • Safe Driving: If you don’t have any tickets, citations, or accidents on your driving record, you’ll receive a better quote.

Liability-only policies can exceed $1,000 per year for some riders. It is essential to reach out to a local agent to see what is possible. Some motorcyclists can qualify for rates around $10 per month if they don’t need comprehensive or collision insurance.

MedPay, PIP, and add-ons can increase the cost by 15% to 50%, depending on your specific needs and where you live.

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I was given a policy of $389 for liability only in Washington State for a 2019 H-D Street Glide. When I asked about full coverage, my quote rose to nearly $950 if I paid in full.

American Family Insurance Review Ratings

  • Customer Service: 5/5. AmFam is one of the best insurance companies out there when you need help with your policy. Their representatives are friendly, and they proactively seek solutions to solve problems. It is rare for there not to be at least some effort made to resolve your concerns.
  • Online Tools and Resources: 3.5/5. Working with the insurer’s website is a little clunky. You can access your policy info online, but the user experience could benefit from some refinement. Several extra steps are in the online quote process, though that is due to the coverage area limitations.
  • Claims Process: 4/5. AmFam’s claim process is straightforward. You can upload all your documents online or send the information directly to your local agent.
  • Coverage Options: 4/5. American Family Insurance has a limited footprint for policy underwriting, so you won’t find as many standard options with this provider. That does give the company some flexibility in delivering individualized coverage.
  • Financial Stability: 4/5. AmFam received an A+ rating from AM Bests in 2022 for its ability to pay claims. It is up from an A- rating in previous years. The company’s credit rating is still at a lower level.
  • Additional Features: 3.5/5. You can add some options to your motorcycle insurance, including gap coverage if the bike gets totaled with a lease or loan balance. You can bundle policies to save some money. One of the unique ways to earn a discount is to complete 40 hours of volunteer work annually for a nonprofit in your community if you’re under 25.
  • Underwriting Process: 3.5/5. Although you can request an online quote, you’ll receive the contact information of a local agent for additional help. The quality of the experience depends on the relationship you form through that process.
  • Pricing: 3.5/5. American Family Insurance is on the higher end of the quotes I’ve received for my bike. I can obtain full coverage for less than $400 per year in some states. Discounts can drive down the eventual policy premiums, but you’ll still potentially pay more.
  • Reputation: 4/5. US News and World Report ranks AmFam as the top insurance provider for claims handling. They’re also given positive marks for customer service. Availability issues can cause problems for motorcyclists, especially those with custom rides.

FAQ About American Family Insurance

If you’re interested in AmFam motorcycle insurance, some questions could arise during the quote generation or underwriting process. Here are the answers to those concerns based on my experiences.

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Is American Family Insurance Expensive?

Your insurance costs vary widely on several factors, including your location, desired motorcycle coverage, and riding history. Generally, AmFam is known for providing competitive rates with discounts, but some people might receive an above-average estimate.

My rates were higher than what other insurers have offered, but every situation is different. You could have the opposite result! The only way to find out is to request a free, no-obligation quote.

Can I Bundle My Motorcycle Insurance with AmFam?

You have several bundling options available through American Family Insurance. With multiple policies, you can save significantly from auto to home to recreational vehicles. You’ll need to contact an agent to discuss your specific situation to take advantage of this opportunity.

Does AmFam Offer Seasonal Insurance?

This option was not available online for me. When I contacted my local agent, I was told I could design a plan around my specific riding habits. We have year-round riding opportunities where I live, so the option could be more available in colder climates.

Is Accident Forgiveness Included in AmFam Motorcycle Insurance Policies?

American Family Insurance allows you to “earn” accident forgiveness as a policy option. You must be accident-free for 5 consecutive years through them or another insurance company before it is available.

You’ll need to connect with a local agent to get a quote for it if you want it as part of your coverage package. In some instances, it could be included for free because of your safe driving record. 

Which States Does AmFam Offer Motorcycle Coverage In?

American Family Insurance provides coverage for motorcycle insurance in 19 states, including Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

Is It Worth Working with American Family Insurance?

Deciding whether it’s worth working with American Family Insurance depends on several factors, including your coverage needs, budget, and the kind of customer service experience you want.

This agency has an extensive history of providing high-quality policies in several categories, including motorcycle insurance. They have a strong agent network, which can be great if you prefer a personalized touch. On the flip side, this can also mean slightly higher premiums due to agent commissions.

Compare rates, dig into the policy details, and maybe even chat with a couple of agents. I found the process to be informative and enlightening, and I believe you will feel the same when requesting a no-obligation quote.

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