How American Family Connect Rates Auto
American Family Connect Property and Casualty Insurance Company rates auto policies from a filed, regulator-approved rate manual. We read its Georgia filing directly, and it shows exactly what higher coverage costs: moving from Georgia's 25/50/25 minimum liability limits (a 1.00 baseline) up to 250/500/100 raises the filed factor to 1.39, medical-expense coverage climbs from 0.50 at $1,000 to 2.05 at $50,000, and its rating tier moves the rate from 1.00 for Preferred to 1.25 for Standard. Every figure here is a real filed value we transcribed from the Georgia rate pages, not an estimate.
American Family Connect (the direct-to-consumer arm formerly known as Connect, powered by American Family) prices auto policies from a filed, regulator-approved rate manual like any carrier. We pulled its Georgia personal-auto filing and read the factors directly; below is how its filed factors actually move a price, every number transcribed from the filing and cited to it.
This filing is a particularly clear window into one thing every shopper wrestles with: how much more do higher coverage limits actually cost? Connect's filed increased-limits and medical-expense factors answer that question with real numbers, which is more useful than the usual vague advice to just buy more.
How we read Connect's filing
Everything here traces to American Family Connect Property and Casualty Insurance Company's Georgia rate filing, SERFF tracking PRCA-134928738, effective October 1, 2026. We read the clean rate pages and transcribed each factor by hand. A filed rate manual is the document a carrier must submit and justify to the regulator before it can charge a premium, so these are the numbers Connect actually filed. As the Insurance Information Institute explains, a premium is a base rate multiplied by a chain of filed factors; the increased-limits and medical factors below are the exact multipliers that price your coverage choices.
Key data
What this means for you: the filed rates for this factor span 0.5× to 2.05× — the highest-rated profile pays roughly 4.1× what the lowest-rated pays for this one factor, before everything else on your policy.
| Factor | Filed value | Est. on $1,200 | Source |
|---|---|---|---|
| Liability increased-limits factor - 25/50/25 (Georgia minimum, baseline) (eff 10/1/2026; BI/PD limits) | 1.00 | ≈ $1,200 | Georgia Office of Insurance via SERFF Filing Access (PRCA-134928738) · Jun 2026Filed rate · SERFF #PRCA-134928738 · reviewed by Jason Wootton, NPN 7694718 |
| Liability increased-limits factor - 50/100/50 (about 15 percent more than minimum) | 1.15 | ≈ $1,380 | Georgia Office of Insurance via SERFF Filing Access (PRCA-134928738) · Jun 2026Filed rate · SERFF #PRCA-134928738 · reviewed by Jason Wootton, NPN 7694718 |
| Liability increased-limits factor - 100/300/100 (BI/PD limits) | 1.26 | ≈ $1,512 | Georgia Office of Insurance via SERFF Filing Access (PRCA-134928738) · Jun 2026Filed rate · SERFF #PRCA-134928738 · reviewed by Jason Wootton, NPN 7694718 |
| Liability increased-limits factor - 250/500/100 (highest filed limit) | 1.39 | ≈ $1,668 | Georgia Office of Insurance via SERFF Filing Access (PRCA-134928738) · Jun 2026Filed rate · SERFF #PRCA-134928738 · reviewed by Jason Wootton, NPN 7694718 |
| Medical-expense limit factor - $1,000 (relative to the $5,000 baseline) | 0.50 | ≈ $600 | Georgia Office of Insurance via SERFF Filing Access (PRCA-134928738) · Jun 2026Filed rate · SERFF #PRCA-134928738 · reviewed by Jason Wootton, NPN 7694718 |
| Medical-expense limit factor - $5,000 (baseline) (reference limit) | 1.00 | ≈ $1,200 | Georgia Office of Insurance via SERFF Filing Access (PRCA-134928738) · Jun 2026Filed rate · SERFF #PRCA-134928738 · reviewed by Jason Wootton, NPN 7694718 |
| Medical-expense limit factor - $25,000 (medical payments coverage) | 1.75 | ≈ $2,100 | Georgia Office of Insurance via SERFF Filing Access (PRCA-134928738) · Jun 2026Filed rate · SERFF #PRCA-134928738 · reviewed by Jason Wootton, NPN 7694718 |
| Medical-expense limit factor - $50,000 (medical payments coverage) | 2.05 | ≈ $2,460 | Georgia Office of Insurance via SERFF Filing Access (PRCA-134928738) · Jun 2026Filed rate · SERFF #PRCA-134928738 · reviewed by Jason Wootton, NPN 7694718 |
| Rating-tier factor - Preferred (baseline) (risk tier) | 1.00 | ≈ $1,200 | Georgia Office of Insurance via SERFF Filing Access (PRCA-134928738) · Jun 2026Filed rate · SERFF #PRCA-134928738 · reviewed by Jason Wootton, NPN 7694718 |
| Rating-tier factor - Standard (25 percent above Preferred) | 1.25 | ≈ $1,500 | Georgia Office of Insurance via SERFF Filing Access (PRCA-134928738) · Jun 2026Filed rate · SERFF #PRCA-134928738 · reviewed by Jason Wootton, NPN 7694718 |
Illustrative only — each filed factor applied to a $1,200 baseline premium (the 1.00 reference), not a quote. Your actual premium depends on the insurer's base rate and your full profile.
What higher liability limits actually cost
This is the most useful table on the page. Connect files an increased-limits factor for liability (bodily-injury and property-damage) coverage, anchored at Georgia's 25/50/25 minimum as the 1.00 baseline. Moving up costs a filed, knowable amount: 50/100/50 is 1.15 (about 15 percent more than the minimum on that part of the rate), 100/300/100 is 1.26, and 250/500/100 is 1.39. Read that against the protection it buys: doubling and redoubling your liability limits - which is what stands between you and personal liability after a serious at-fault crash - costs on the order of 15 to 39 percent more on the liability portion, not multiples. For most drivers that is one of the best values in the whole policy, and Connect's filing lets you see the exact tradeoff rather than guess.
Medical-expense coverage scales steeply
Connect's medical-expense (medical payments) factor is anchored at $5,000 as the 1.00 baseline, and it moves more sharply than liability: a $1,000 limit is just 0.50 (half the baseline), while $25,000 is 1.75 and $50,000 is 2.05 - more than double the $5,000 cost. Medical payments coverage pays medical bills for you and your passengers regardless of fault, so the right limit depends on your health coverage and how much first-dollar medical protection you want in the car. The filing shows the price of each step clearly, so you can match the limit to your situation instead of defaulting.
The rating tier
Connect also places policies into a rating tier, and the filed factors we read show Preferred at the 1.00 baseline and Standard at 1.25 - a 25 percent difference for the same coverage, driven by the tier placement. Tier is set from the underwriting characteristics the carrier files, and it is one of the larger single levers in the rate. It is also a reminder that the same coverage can carry very different prices between drivers who look similar on paper but land in different tiers, which is exactly why comparing carriers matters.
How to read a filed rating factor
Every number here is a multiplier, anchored at 1.000. A factor of exactly 1.000 is neutral. Above it raises the price for that choice; below it lowers it. So the 1.39 top liability factor multiplies the liability portion of your rate up by 39 percent versus the minimum, and the 0.50 medical factor at a $1,000 limit halves that coverage's cost versus the $5,000 baseline. These factors apply to specific coverage parts and multiply through the whole chain, so no single one sets the final bill - but because they are filed and public, you can price your coverage choices precisely.
How Connect's approach compares
Connect is a direct-to-consumer insurer - you buy online rather than through a local agent - underwritten by American Family Connect Property and Casualty. Its coverage-limit factors are typical in shape but, as always, specific in their exact values, which is why a single carrier's page is a starting point rather than a verdict. The National Association of Insurance Commissioners encourages comparing several carriers precisely because each files its own numbers, and Georgia drivers can review filings and their rights through the Georgia Office of Commissioner of Insurance and Safety Fire.
Who Connect fits, and how to use these numbers
Connect's direct model tends to suit drivers who are comfortable buying and managing coverage online without an agent. The practical value of this page is the increased-limits table: it lets you make the single most important coverage decision - how much liability to carry - with real prices rather than guesswork. Because raising liability limits from the state minimum costs only 15 to 39 percent more on that portion of the rate, most drivers are underinsured relative to what protection is worth, and Connect's filing quantifies exactly what better protection costs. Use it to choose your limits, then compare your real quote against other carriers.
What the filing does and does not settle
These increased-limits, medical-expense, and tier factors are filed, verbatim numbers from Connect's Georgia pages, and they answer the coverage-choice questions shoppers most often get wrong. What they do not do is produce your premium by themselves: your rate also runs through driver factors for age and record, the vehicle-symbol factor for your car, deductible choices, territory, and the underlying base rates for each coverage - each its own filed factor. The increased-limits factor tells you what raising your liability costs relative to the minimum; it does not tell you the minimum's price, which depends on all those other inputs.
So the right way to use this page is targeted. Connect's filing is unusually clear on the coverage-limit decisions - how much liability, how much medical - and that is exactly where most drivers either under-buy out of caution about cost or over-buy without knowing the price. Use these factors to make those two choices well, then get a real quote to see the full number for your profile, and compare it against other carriers. A filing shows you how a company prices a decision; a quote shows you what that decision costs you specifically. For the coverage-limit question in particular, having the filed multipliers in front of you turns an anxious guess into a clear, cheap-for-the-protection upgrade - which is the whole point of reading the primary source instead of a sales page.
Putting the Connect numbers to work
The single most valuable decision this filing lets you make well is your liability limit, so it is worth walking through concretely. Georgia's 25/50/25 minimum is the 1.00 baseline, and it is genuinely thin: 25,000 dollars per person and 50,000 per accident of bodily-injury coverage is easy to exhaust in a serious crash, and anything above it comes out of your own pocket. Connect's filing prices the step up to real protection at a modest premium - 50/100/50 at 1.15, 100/300/100 at 1.26, 250/500/100 at 1.39 on the liability portion. In plain terms, roughly quadrupling your per-person bodily-injury limit from 25,000 to 100,000 costs about 26 percent more on liability, not four times more, because the extra coverage is rarely used but hugely valuable when it is.
For most drivers with any assets to protect, moving up at least to 100/300/100 is one of the highest-value dollars in the policy, and this filing is what lets you see that the cost is small relative to the protection.
The medical-expense factors let you make the same kind of deliberate choice on first-dollar medical coverage. Because a $1,000 limit is 0.50 and a $25,000 limit is 1.75, the coverage roughly triples in cost across that range - so the right limit depends on your health insurance. A driver with strong health coverage might keep medical payments modest, while someone who wants immediate, no-fault medical protection for passengers may value the higher limit despite the steeper factor. And because the Preferred-to-Standard tier gap is 1.25, it is worth asking Connect which tier you landed in and why, since the same coverage can cost 25 percent more purely on tier placement. The theme across all three tables is the same: these are choices you control, and the filing gives you the exact price of each one so you can buy protection deliberately instead of defaulting to the minimum or over-buying blindly.
The limits of this filed data
Two honest caveats. First, these are Connect's Georgia filed values; it files different numbers in every state, so do not read the Georgia factors as national. Second, these are filed rating relativities, not quotes: the increased-limits and medical factors price your coverage choices relative to a baseline, but your actual premium depends on the base rates and every other factor in your profile. We do not estimate premiums or present a single filed factor as a market average, and anyone can verify a figure by reading the filing (SERFF PRCA-134928738), which is what we did.
Frequently asked questions
How much more does higher liability coverage cost with Connect?
In its filed Georgia data, moving from the 25/50/25 minimum (1.00 baseline) to 50/100/50 costs about 15 percent more on the liability portion, 100/300/100 about 26 percent, and 250/500/100 about 39 percent. Not multiples - one of the best values in the policy.
What is American Family Connect?
It is a direct-to-consumer auto insurer (formerly Connect, powered by American Family), underwritten by American Family Connect Property and Casualty Insurance Company. You buy and manage coverage online rather than through a local agent.
How much does medical-payments coverage cost with Connect?
Its filed Georgia medical-expense factor is anchored at $5,000 (1.00). A $1,000 limit is 0.50, $25,000 is 1.75, and $50,000 is 2.05 - so higher medical limits scale more steeply than liability.
What is a rating tier and how much does it matter?
A tier is where the carrier places your policy based on filed underwriting characteristics. In Connect's Georgia filing, Preferred is the 1.00 baseline and Standard is 1.25 - a 25 percent difference for the same coverage.
Should I buy more than the Georgia minimum liability?
Usually yes. Connect's filing shows higher limits cost only 15 to 39 percent more on the liability portion, while the minimum leaves you personally exposed after a serious at-fault crash. Weigh the modest extra cost against the protection.
Are these Connect numbers national?
No. They are American Family Connect's filed Georgia values. It files different factors in every state, so confirm your state's filing for exact numbers.
Where do these Connect figures come from?
From American Family Connect Property and Casualty Insurance Company's Georgia rate filing, SERFF tracking PRCA-134928738, effective October 1, 2026. It is a public regulatory filing, not an estimate or a market average, and we transcribed every factor by hand from the filed rate pages rather than copying another site.
Is Connect the same as American Family?
Connect is American Family's direct-to-consumer brand, underwritten by American Family Connect Property and Casualty Insurance Company. It is a distinct company and product from American Family's agent-sold policies, with its own filed rates, so the factors here apply specifically to Connect in Georgia.
Does Connect sell through agents?
No - Connect is a direct-to-consumer insurer, so you buy and manage the policy online rather than through a local agent. That model suits drivers comfortable handling coverage themselves; if you want an agent relationship, American Family's agent-sold products or another carrier may fit better.
Sources cited
- Georgia Office of Insurance via SERFF Filing Access (PRCA-134928738) — captured Jun 2026
- Insurance Information Institute (III) — captured Jun 2026
- National Association of Insurance Commissioners (NAIC) — captured Jun 2026
- Georgia Office of Commissioner of Insurance and Safety Fire — captured Jun 2026
- Federal Trade Commission - auto insurance basics — captured Jun 2026
- Insurance Institute for Highway Safety (IIHS) — captured Jun 2026
How we research this
We transcribed these factors by hand from American Family Connect Property and Casualty Insurance Company's Georgia rate pages, filed as SERFF tracking PRCA-134928738, effective October 1, 2026, and cite that filing on every figure. We do not estimate or compute premiums; the figures are filed rating relativities, not quotes.
