American Family Discounts and Ways to Save

American Family Insurance offers an extensive list of auto and home insurance discounts that can substantially reduce premiums. Combined with American Family’s competitive base pricing and unique features like the Generation Discount and Volunteer Discount, the available discounts produce strong value for households in served states. Many American Family customers are unaware of every discount available and miss opportunities to maximize their savings.

This guide walks through every major American Family discount available, how to qualify, typical savings amounts, and the strategies that produce the largest combined savings.

Multi-Policy and Multi-Vehicle Discounts

Multi-Policy Bundling Discount

Bundling American Family auto insurance with home, renters, life, or other American Family policies produces savings of up to 23%. This is one of the most competitive bundling discounts in the industry.

Multi-Vehicle Discount

Insuring two or more vehicles on a single American Family policy produces standard multi-vehicle savings.

Driver Behavior Discounts

KnowYourDrive Telematics Program

American Family’s smartphone-based program offers up to 20% in safe driver discounts. The program rewards safe driving behavior with persistent premium reductions.

Safe Driver Discount

Drivers without recent accidents or violations qualify for premium discounts beyond standard pricing.

Defensive Driving Course Discount

Completing an approved defensive driving course produces premium discounts in many states.

Driver Training Discount

Drivers under 21 who completed an approved driver training course qualify for additional discounts.

Unique American Family Discounts

Generation Discount

Young adults under age 30 whose parents or guardians are American Family customers may qualify for additional discounts. This unique discount rewards family loyalty across generations.

Volunteer Discount

American Family offers a unique discount for customers who volunteer regularly with qualifying organizations. This rewards community service involvement and is one of the most distinctive discount offerings in the industry.

Loyalty Rewards

Long-term American Family customers receive accumulating loyalty discounts that increase over time. The rewards reflect the company’s mutual structure that prioritizes member benefits.

Customer Profile Discounts

Good Student Discount

Full-time students under 25 with a B average or better can save on premiums.

Affiliation Discount

Members of certain professional organizations, alumni associations, or employer groups may qualify for affinity-based discounts.

Homeowner Discount

Homeowners may receive a discount even without bundling homeowners insurance with American Family.

Vehicle and Equipment Discounts

Anti-Theft Device Discount

Vehicles with factory-installed anti-theft devices, alarm systems, or aftermarket tracking devices qualify for comprehensive coverage discounts.

Anti-Lock Brakes Discount

Vehicles with factory-installed anti-lock braking systems qualify for liability premium discounts.

Passive Restraint Discount

Vehicles with airbags, automatic seatbelts, or other passive restraint systems may qualify for medical payments coverage discounts.

New Vehicle Discount

Newly purchased vehicles less than three years old often qualify for premium discounts.

Diminishing Deductible (Auto)

While technically an optional coverage rather than discount, Diminishing Deductible reduces your collision deductible by $100 each claim-free year up to $500, effectively saving you money during claims.

Account and Payment Discounts

Pay-in-Full Discount

Paying your full premium in a single payment rather than monthly installments saves on installment fees and produces additional discounts.

Auto Pay Discount

Setting up automatic premium payments through electronic funds transfer typically qualifies for premium savings.

Paperless Discount

Choosing electronic billing rather than paper bills typically qualifies for a small discount.

Home Safety Discounts

Protective Device Discount

Homes with smoke alarms, fire extinguishers, deadbolt locks, security systems, and other safety features qualify for homeowners premium discounts.

Home Security System Discount

Homes with monitored security systems qualify for additional discounts beyond basic safety equipment.

Smart Home Discount

Homes with smart home technology including water leak detectors, smart smoke alarms, and security systems may qualify for additional discounts.

New Home Discount

Newly constructed homes typically qualify for premium discounts.

Newly Purchased Home Discount

Recently-purchased homes may qualify for additional discounts.

How Much Can You Save With American Family Discounts?

For typical customers, combining multiple discounts produces meaningful annual savings of several hundred dollars or more.

How to Make Sure You Get Every Discount

Apply All Available Discounts at Enrollment

Make sure to disclose all relevant information during the quote process: vehicle features, safety equipment, your driving training history, student status, volunteer activities, and any other qualifying factors.

Enroll in KnowYourDrive if You Drive Safely

The 20% maximum discount opportunity makes KnowYourDrive worthwhile for safe drivers.

Use the Generation Discount

If you are under 30 and your parents are American Family customers, specifically ask about this discount.

Apply the Volunteer Discount

If you volunteer regularly with qualifying organizations, this unique discount can produce meaningful savings.

Bundle Multiple Policies

Combining auto, home, life, and other coverages with American Family produces the largest single source of discount value.

Review at Each Renewal

Discount eligibility can change over time. Annual reviews ensure you continue receiving applicable discounts and identify new opportunities.

Maintain Continuous American Family Coverage

The Loyalty Rewards accumulate over time. Maintaining your coverage consistently produces ongoing benefits.

Work With a Local Agent

American Family’s captive agents can review your specific situation and identify all applicable discounts.

American Family Discounts vs. Other Major Insurers

American Family’s Generation Discount and Volunteer Discount are unique offerings that no other major insurer matches.

Frequently Asked Questions

What is the biggest American Family discount?

Multi-policy bundling at up to 23% is typically the largest single discount. Combining multiple discounts produces the largest overall savings.

How do I find out what American Family discounts I qualify for?

Contact your American Family agent or call customer service at 1-800-692-6326. Use the online quote tool at amfam.com for self-service quotes.

Does American Family offer a multi-policy discount?

Yes. American Family offers up to 23% in bundling discounts when combining auto with home, renters, life, or other policies.

How do I qualify for the Generation Discount?

You must be under 30 and have a parent or guardian who is an American Family customer. Verify eligibility through your local agent.

How do I qualify for the Volunteer Discount?

You must volunteer regularly with qualifying organizations. American Family verifies eligibility through documentation. Contact your agent for specific requirements.

Can I lose American Family discounts?

Yes. Some discounts require ongoing eligibility. Filing claims, getting tickets, having students drop below GPA thresholds, or losing eligibility for specific discounts can affect discount status.

What is Loyalty Rewards at American Family?

Loyalty Rewards is a discount program that increases over time as you maintain continuous American Family coverage. The discount accumulates as you remain a customer for multiple years.

The Bottom Line

American Family offers an extensive discount program with unique offerings like the Generation Discount and Volunteer Discount that no other major insurer matches. Combined with strong bundling discounts (up to 23%) and the KnowYourDrive telematics program, American Family customers can achieve meaningful savings.

The largest savings opportunities involve combining bundling, KnowYourDrive participation, Loyalty Rewards, and any unique discounts you qualify for. For typical customers, combined savings can reach 30% to 45% or more.

For broader perspective on insurance pricing factors, our guide on how car insurance premiums are calculated walks through the broader pricing landscape.

The team at Matrix Insurance can help you compare American Family discounts against other carriers’ programs. Use our Car Insurance Calculator for a starting estimate, or reach out to our team directly for a personalized review.