American Family
American Family Discounts 2026: KnowYourDrive, Bundle, Teen
Short answer
American Family’s biggest discount is bundling home and auto, up to 40%2. DriveMyWay is the personalized-rate telematics program with savings of 10-35%1. Good Student applies to drivers ages 16-25 who maintain a B average (3.0 GPA minimum) or rank in the upper 20% of their class3. Loyalty and traffic-violation-free discounts stack on top for continuous American Family customers1.
What determines your actual savings
- Bundle size. Home + auto up to 40%; renters + auto up to 7%2.
- DriveMyWay enrollment and measured driving. 10-35% range depends on your driving habits1.
- Household drivers. Multi-car and Good Student discounts depend on who’s on the policy3.
- Driving history. Traffic-violation-free discount rewards 5 clean years1.
- Tenure. Loyalty discount increases with how long you’ve been an American Family customer1.
The full American Family discount menu
American Family publishes the following discounts on its own pages. Percentages are what American Family lists publicly; your quote may differ by state and policy.
| Discount | Max published | What it is |
|---|---|---|
| Bundle (home + auto) | up to 40% | Bundle home and auto policies with American Family for savings up to 40% across both.2 |
| Bundle (renters + auto) | up to 7% | Bundle renters and auto for up to 7% off.2 |
| Multi-car | applies | Insure more than one vehicle with American Family.2 |
| KnowYourDrive | telematics | American Family's safe-driving telematics program; driving behaviors informed the rate structure.1 |
| DriveMyWay | 10-35% | Personalized rate program based on your driving habits.1 |
| Good Student | applies | Students ages 16-25 who maintain a B average (3.0 GPA minimum) or rank in the upper 20% of the class.3 |
| Traffic violation-free | applies | If you have been without a traffic violation for the last 5 years, get an additional discount.1 |
| Loyalty | applies | For loyal American Family customers; savings amount depends on tenure.1 |
Bundle: up to 40% home + auto
American Family publishes bundle savings of up to 40% when you combine home and auto2. Renters bundling with auto saves up to 7%2. For a shopper, the bundle math is: pull an American Family auto quote standalone and with home or renters attached, and compare the delta against a standalone home or renters quote at another carrier.
KnowYourDrive and DriveMyWay
American Family publishes two telematics programs1:
- KnowYourDrive is a driving-behavior program whose data informs American Family’s rate structure.
- DriveMyWay is a personalized-rate program with explicit 10-35% savings based on your driving habits.
For a shopper, DriveMyWay is the explicit-savings lever. Enroll at quote time to see the measured driving period’s projected discount at renewal.
Good Student discount
American Family publishes a Good Student Discount for students ages 16-25 who maintain a B average (3.0 GPA minimum) or rank in the upper 20% of their class3. The discount rewards academic responsibility as a proxy for driving responsibility. This stacks with multi-car, bundle, and DriveMyWay; a household with a teen driver can layer all four.
How to stack American Family discounts
Bundle home or renters at purchase
Up to 40% home + auto; up to 7% renters + auto. Price both standalone and bundled.
Enroll in DriveMyWay at quote time
10-35% range based on measured driving. Add KnowYourDrive if offered in your state.
Add every eligible driver on the policy
Multi-car and Good Student discounts apply when you add qualifying household drivers.
Build toward the traffic-violation-free discount
5 years without a traffic violation unlocks an additional discount.
Stack loyalty over time
Loyalty discount increases with continuous American Family tenure.
Review at each renewal
Discount eligibility can change as your household, vehicles, and driving record change.
Comparing American Family against other mainstream carriers? Pull quotes side by side.
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Common follow-up questions
How much can bundling save me with American Family?
American Family publishes savings of up to 40% when you bundle home and auto, and up to 7% when you bundle renters and auto.
What is DriveMyWay?
DriveMyWay is American Family's personalized-rate telematics program. American Family publishes savings between 10-35% based on your driving habits.
Does American Family offer a Good Student discount?
Yes. American Family publishes a Good Student Discount for students ages 16-25 who maintain a B average (3.0 GPA minimum) or rank in the upper 20% of their class.
What is KnowYourDrive versus DriveMyWay?
KnowYourDrive is American Family's telematics data program that informs the rate structure; DriveMyWay is a personalized-rate telematics product with explicit 10-35% savings. The programs serve different roles in the pricing stack.
How do I stack American Family discounts?
Pull a quote at amfam.com or through an agent, bundle home or renters, enroll in DriveMyWay/KnowYourDrive, add eligible household drivers (including qualifying students), and confirm the loyalty and traffic-violation-free discounts at renewal.
Sources
- American Family: Car insurance discounts and special offers (bundle up to 40%; multi-policy; multi-car; Good Student; KnowYourDrive; DriveMyWay 10-35%; loyalty; traffic-violation-free) (American Family)
- American Family: Multi-Policy and Multi-Car discounts (bundle auto with home up to 40%; renters up to 7%) (American Family)
- American Family: Student discount for car insurance (B average 3.0 GPA; ages 16-25; upper 20% of class) (American Family)
- American Family: 11 simple ways to lower your car insurance premiums (operational discount levers) (American Family)
American Family discount availability and exact percentages are set by state DOI filings and change at renewal. Confirm current eligibility and pricing with American Family at quote time. Last reviewed .