Get a Customized Car Insurance Quote

Car Insurance Discounts

Car Insurance Discounts

We realize saving money is important to you – especially when it comes to discounts on car insurance. That’s why on top of quality protection and peace of mind, we offer over a dozen ways to help you save on your coverage. From good grades to safe habits, discover all the ways you can save with our car insurance discounts. Explore all of our auto insurance discounts below to see which ones you might be eligible for.

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.

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.

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.

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

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.

Making Your Safety A Priority

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.

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.

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

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.

KnowYourDrive Discount. 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 20%* on your car insurance.

Young Driver Discounts

We also offer a variety of discounts for families with teen drivers or young adults purchasing insurance on their own.

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

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.

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.

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

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

Billing Discounts

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

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.

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.

Program discounts will vary based on driving behavior. The KnowYourDrive discount applies only to the follow variable coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense, and personal injury protection. To refresh your understanding of coverages visit Additionally, the discount does not apply to fixed fees that are part of your policy.