Will my car insurance rates increase if I file a claim with American Family? (2024)

A top question readers ask is, “Will my car insurance rates increase if I file a claim with American Family?” Yes, your American Family insurance rates will likely increase by around 50% after filing a claim, but it depends on its severity and cost.

Learn More: How to File a Car Insurance Claim

Still wondering, “How much does insurance increase after an accident with American Family?” We’ll overview situations where you’ll see a rate increase with American Family car insurance and how much it may increase.

Are you curious if another provider has better rates for your accident? Enter your ZIP code into our free quote comparison tool above to find the cheapest high-risk insurance provider near you.

What to Know About Filing a Car Insurance Claim With American Family

The nature of your claim is something that will greatly dictate what your future rate might be. Making a claim on your comprehensive coverage, for example, might not lead to a rate increase with American Family.

Check out the table below to see how much your American Family rates might go up vs. top competitors:

Full Coverage Car Insurance Monthly Rates for Clean Record vs. One Accident

American Family does offer fairly solid car insurance coverage, but rate increases are subject to many factors.

What Might Cause Your American Family Auto Insurance Rates to Increase

Filing claims through collision and liability coverages is more likely to lead to a rate increase. If law enforcement or the claims adjuster finds you at fault, your rate is going to increase. Unfortunately, fault has little to do with it.

If it is determined that you’re not at fault, your rate still might increase. That is because insurance companies might deem you to be at risk, given recent events. Comprehensive claims are a little different in some regard, as it will depend on how much of your deductible is being used.

You can view some more information and customer impressions of American Family coverage in our American Family insurance review. However, if you’re still wondering, “Why is American Family insurance so expensive?” Reddit users who carry Am Fam policies are also asking the same question.

For instance, one user mentions that their homeowner’s insurance would be increasing by around $400 per year. Another Reddit user responded that many providers are raising rates due to inflation.

How to Lower Your American Family Car Insurance Rates After a Claim

Fortunately, an American Family insurance rate increase after an accident isn’t permanent, and there are many other factors that affect car insurance rates.

For example, you’re likely to see your rate decrease thanks to a clean driving record and on-time car insurance payments. If you’re wondering, “Why is American Family insurance so expensive?” check out the list below for the top five ways to lower your rates:

• Compare Quotes: All insurance companies assess risk differently. So while you may have high accident rates with your current provider, another may offer you cheaper insurance rates, making it vital to compare quotes. You could also find one that has accident forgiveness to avoid a rate hike after your first wreck.
• Ask for Discounts: Insurers offer car insurance discounts to help lower your rates, including for maintaining a clean driving record, completing a defensive driving course, bundling policies, or having vehicle safety features.
• Consider a Higher Deductible: The higher your auto insurance deductible, the lower your rates. However, you should never raise your deductible to an amount you can’t afford to pay out of pocket.
• Improve Your Credit Score: Many insurers consider your credit score when setting your rates. So, if you increase your credit score, you could see lower premiums with some providers. Check out our expert guide titled, “How does your credit score affect car insurance rates?” for more details.
• Drop Unneeded Coverages: You could also get rid of extra car insurance coverage types you no longer need. For example, if you have an older car that’s not worth much, you could consider dropping full coverage insurance and only carry liability.

As you can see, there are many ways to find more affordable Am Fam rates after a crash. For instance, drivers could also enroll in a usage-based car insurance program, which tracks driving habits and rewards safe drivers with a discount.

Expect Insurance Rate Increases When Filing a Claim With American Family

There are many factors that can affect your insurance rates in the wake of a car insurance claim with American Family coverage. However, you won’t see a rate increase if you carry an accident forgiveness policy with American Family.

You can lower your rates by driving safe since accidents eventually fall off your record. Discounts can also be sought, which might help to offset some of the rising costs with your insurance rates.

Enter your ZIP code into our free quote tool below to instantly compare high-risk insurance quotes from the best car insurance companies in your area.