American Family Insurance in Florida

American Family, founded in 1927 and headquartered in Madison, Wisconsin, offers auto, home, renters, life, umbrella, commercial insurance. American Family Insurance (AmFam) is a Madison, Wisconsin-based mutual company selling auto, home, life, and business coverage primarily through dedicated agents across the central and western U.S. It is known for diminishing-deductible perks.

In Florida, drivers are required to carry minimum auto liability coverage of 10/20/10 + PIP. Florida is a no-fault state with among the highest auto rates nationally. Home insurance is extremely expensive due to hurricane exposure. The average auto insurance rate in Florida is $2,560 per year, though your actual rate with American Family may be higher or lower depending on your driving record, vehicle, and coverage level.

American Family is especially well-suited for working with a local agent, bundling, homeowners. Comparing American Family alongside other carriers through Truvo helps ensure you get the best rate available in Florida, whether you need basic liability or full coverage.

Florida also faces elevated hurricane and tropical-storm wind exposure, which affects how carriers price coverage here. When evaluating American Family in Florida, pay attention to deductibles for wind, hail, or wildfire — they can vary significantly between carriers and meaningfully change your out-of-pocket cost after a claim.