American Family rating: 5 out of 5 stars Best for: Overall If you’re trying to keep your premiums low without sacrificing useful extras, American Family (AmFam) delivers a surprisingly strong combo. This insurer has the cheapest average rates for both basic and full coverage, according to our methodology. Plus, American Family manages to include features you usually only see with pricier policies, like accident forgiveness, diminishing deductibles, and even coverage for your pet if they’re hurt in a crash. ...