Discounts

American Family Insurance Discounts

From markdowns for switching to American Family, to savings that reward safe habits, discover all the ways you can save!

On average, bundling your auto and home policies with American Family could save you 29% on auto insurance and 20% on home insurance.*

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  • Age of Home

    How new is your home? Ask your agent if you’re eligible for savings based on the age of your house.

    Age of Home

  • Experienced Rider Discount

    The more time you have on the trails, the more money you can save. Savings start after one year of riding experience and grow from there.

    Experienced Rider Discount

  • Multi-Cycle Discount

    Have more than one ATV or motorcycle? Or a family of ATV and cycle riders? Hit the trail to even more savings.

    Multi-Cycle Discount

  • Multi-Product Discount

    Save money when you protect more than one dream with American Family — like combining your ATV insurance with another product like car or home insurance.

    Multi-Product Discount

  • Auto Safety Equipment

    Is your vehicle equipped with factory-installed air bags? Nice work you could get a 10-30 percent discount on your policy depending on what state you live in.

    Auto Safety Equipment

  • Autopay

    Save time, stamps, checks and money! When you enroll in automatic funds transfer (AFT) or electronic recurring payments you qualify for a discount.

    Autopay

  • Away at School

    If your child is a student who is under age 25 and more than 100 miles away at college, and their car is parked at home, you save. Or if you’re the student over 100 miles away from your parked car back at home, you save.

    Away at School

  • Safety Feature Add-Ons

    Keeping your boat safe is an important step in protecting your dreams. You may be eligible for extra savings if your boat is equipped with qualifying safety features.

    Safety Feature Add-Ons

  • Study Up

    Have you completed and passed a boating safety course? Nice work, sailor! You may be eligible for extra savings.

    Study Up

  • Bundle Up

    Our happiest customers protect more than one dream with us. Bundle your policies today to save time and get extra savings!

    Bundle Up

  • Loyalty

    If you’ve been a loyal American Family customer for a while, we think you deserve a discount. The amount you save will depend on how long you’ve been part of our family.

    Loyalty

  • Bundle Up

    When you bundle your policies and protect more than one dream with us, you’re not only saving time and reducing hassle, but saving money.

    Bundle Up

  • Get Smart

    If your condo is equipped with qualifying smart home devices, including a smoke/fire alarm system, water/moisture detector, Ring™ Video Doorbell, burglar alarm or an automatic sprinkler system, you could be in for a better rate.

    Get Smart

  • Smart Payments

    Streamlining your payment habits has its rewards when you take advantage of our AutoPay, Full Pay and Paperless Discounts.

    Smart Payments

  • Defensive Driver

    Study up. In certain states you could get a 5-10 percent discount if you are 55+ years old and complete an approved defensive driving course.

    Defensive Driver

  • Early-Bird

    If you have an active policy with another carrier and receive a quote from us at least seven days before the policy goes into effect you could get a discount.

    Early-Bird

  • Customer Full Pay

    It pays to pay in full. The customer full pay discount saves you money when you pay your policy in full at time of purchase.

    Customer Full Pay

  • Generational

    Is mom or dad an American Family customer? Then you could save on your auto policy.

    Generational

  • Good Driving

    Hello role model. Drivers without accidents, violations or claims may be eligible for a reduced rate premium.

    Good Driving

  • Good Student

    Good grades pay off. In some cases your students top notch track record could help you save on your insurance premiums.

    Good Student

  • Generational

    Is mom or dad an American Family customer? Then you could save on your homeowners policy.

    Generational

  • Loyalty

    If you’ve been a loyal American Family customer for a while, you may qualify for a reduced home insurance premium. We reward you for being part of our family!

    Loyalty

  • Multi-Product

    Save money when you protect more than one dream with us — like bundling your auto and home policies. The more policies you have, the more you save.

    Multi-Product

  • Home Purchase

    If you’ve achieved your dream of purchasing a home within the past three years, you’re eligible for this discount — regardless of your home’s age.

    Home Purchase

  • KnowYourDrive

    In some states, you can get a discount when you sign up for KnowYourDrive, a cool program that helps you learn safer, smarter driving habits, and rewards you with savings on your car insurance. Depending on how you drive during KnowYourDrive evaluation periods, you can earn program discounts of up to 40%* on your car insurance.

    KnowYourDrive

  • Low Mileage

    You don’t have to go very far to save money. American Family customers who drive less than 7,500 miles per year can qualify for additional savings.

    Low Mileage

  • All in the Family

    Is mom or dad an American Family customer? Are you between the ages of 18-30? Then you could save money on your manufactured homeowners policy!

    All in the Family

  • Bundle Up

    Got a home and a car? Why not bundle your manufactured home and auto policies? You can save time and money when you protect more than one dream with us.

    Bundle Up

  • Home Purchase

    If you’ve purchased a manufactured home within the past three years you’re eligible for this discount, regardless of your home’s age.

    Home Purchase

  • Newer Home, Better Savings

    How new is your new home? Ask your agent if you’re eligible for savings based on the age of your house.

    Newer Home, Better Savings

  • Smart Home

    If your home is equipped with qualifying devices — including a smoke/fire alarm system, burglar alarm or automatic sprinkler system — you could be in for a better rate.

    Smart Home

  • Popular Discounts

    Cruise toward savings with our Multi-Cycle, Multi-Product and Continuous Coverage insurance discounts.

    Popular Discounts

  • Riding Experience

    We'll support your safe riding record with our Experienced Rider and Good Driving insurance discounts.

    Riding Experience

  • Smart Payments

    Streamlining your payment habits has its rewards when you take advantage of our AutoPay, Full Pay and Paperless Discounts.

    Smart Payments

  • Safety-Savvy Habits

    You deserve credit for being smart about safety. Save with our Motorcycle Safety Course, Cycle Safety Equipment and Cycle Anti-Theft Equipment insurance discounts.

    Safety-Savvy Habits

  • Multi-Product

    Save money when you protect more than one dream with us – like bundling your auto and home policies.

    Multi-Product

  • Multi-Vehicle

    If you insure more than one vehicle with us, you may qualify for a reduced auto insurance premium on your cars and trucks.

    Multi-Vehicle

  • Paperless

    Save a tree and save money by enrolling in online billing and e-delivery of policy documents. Your agent can help get you set-up.

    Paperless

  • Proactive Home Protection

    If your home is equipped with one or more qualifying smart home devices — such as a smoke/fire alarm system, water/ moisture detection system, or a Ring™ Video Doorbell — you could be in for a better rate.

    Proactive Home Protection

  • Renovated Home

    Have you completely replaced the plumbing, electrical and heating systems in your home in the last 15 years? Then this discount is for you!

    Renovated Home

  • Auto Safety Equipment

    Is your RV equipped with factory-installed air bags, anti-lock brakes, daytime running lights, and/or electronic stability control? Nice work. You could get a discount on your policy, depending on what state you live in.

    Auto Safety Equipment 

  • Defensive Driver

    Study up. In certain states, you could get a discount if you complete an approved defensive driving course and meet specific age requirements.

    Defensive Driver

  • Savvy Habits that Save

    Streamlining your payment habits has its rewards when you take advantage of our AutoPay, Full Pay and Paperless Discounts.

    Savvy Habits that Save

  • Smart Home

    If your home is equipped with a qualifying smart device, like a RING Video Doorbell or a Nest device, you could be in for a better rate with our proactive home protection discount.

    Smart Home

  • Smart Payments

    Streamlining your payment habits has its rewards when you take advantage of our AutoPay, Full Pay and Paperless Discounts.

    Smart Payments

  • Steer into Savings

    Shh. We won’t tell if you come to American Family from one of our competitors, you could get a discount on your auto premium.

    Steer into Savings

  • Teen Safe Driver

    Help your teen make better choices behind the wheel. This program is free to auto policyholders with a teenage driver, and you may get a discount on your policy for enrolling.

    Teen Safe Driver

  • Young Volunteer

    Giving back is rewarding. If you're under age 25 and complete 40 hours of volunteer work per year for a non-profit you could save money on your auto policy.

    Young Volunteer

Family Looking at Renters and Car Insurance Bundle

Save Money by Bundling Renters & Car Insurance


Looking for ways to save on your insurance? It’s as simple as bundling your renters and car coverages. In fact, on average, you could save 29% on your auto coverage and 15% on your renters coverage.*

Get a bundled insurance quote today.


The average customer who bundles can save these discounts on each policy. Discounts may vary by state, property, policy form, and company underwriting the auto policy. Discounts may not apply to all coverages on an auto or property policy.