American Family Insurance in Texas

American Family, founded in 1927 and headquartered in Madison, Wisconsin, offers auto, home, renters, life, umbrella, and 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 Texas, drivers are required to carry minimum auto liability coverage of 30/60/25. Texas has above-average auto rates due to its large driving population, weather risks, and high uninsured driver rates. Home insurance is also elevated due to hail, wind, and hurricane exposure. The average auto insurance rate in Texas is $1,842 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 built for agent-served drivers in the Midwest and West. Comparing several carriers side by side is the surest way to find the best rate in Texas, whether you need basic liability or full coverage.

Texas also faces elevated hurricane and tropical-storm wind and tornadoes and severe-storm hail exposure, which affects how carriers price coverage here. When evaluating American Family in Texas, 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.