Drive your way — flexible car insurance customized by you
How can you save on car insurance?
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Explore our 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
What does car insurance cover?
- Collision coverageInvolved in an accident? Collision coverage helps pay for accident-related repairs or replacements, no matter who's at fault. As long as you meet your deductible, collision claims are covered.
- Comprehensive coverage
Comprehensive coverage helps protect your car from damage that wasn't caused by a collision or rollover. Examples include fire, theft and vandalism.
- Bodily injury liability coverageIf you caused a car accident that hurts someone, this helps cover their injuries. It also helps protect you if you're sued.
- Medical expense coverageIf you were injured in a car accident, this coverage helps pay for medical care for you and your passengers, regardless of who's at fault.
- Emergency roadside assistanceThis auto insurance policy add-on helps you get your vehicle back on the road with a single call to 1-800-MYAMFAM.
- Rental reimbursementIf your car's in the shop being repaired because of a covered accident, this coverage helps pay for a rental.**
- Accident ForgivenessAccident Forgiveness gives you 100% forgiveness for your first at-fault accident.*** See coverage details to learn more.
- Lease/loan gap coverageNew cars lose a lot of value once you drive them off the lot, so you might owe more than they're worth after a total loss. Loan or lease assistance helps pays the difference.
- Uninsured/underinsured coverageThese coverages help in the event of a hit-and-run accident. They also help cover accidents with uninsured motorists, underinsured motorists or if you are struck by an uninsured motorist while walking. Required in some states.†
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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.
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- Affordable coverage designed for your budget
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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.