<?xml version="1.0"?>

<ownershipDocument>

    <documentType>4</documentType>

    <periodOfReport>2003-06-17</periodOfReport>


    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000894651</issuerCik>
        <issuerName>GREAT AMERICAN FINANCIAL RESOURCES INC</issuerName>
        <issuerTradingSymbol>GFR</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001196313</rptOwnerCik>
            <rptOwnerName>PRAGER MICHAEL J</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Senior Vice President</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>Common Stock, $1.00 par value</value>
        </securityTitle>
        <transactionDate>
            <value>1988-08-08</value>
            <footnoteId id="F1"/>
        </transactionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>114.856</value>
            </transactionShares>
            <transactionValue>
                <value>0</value>
                <footnoteId id="F1"/>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>710.5148</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>Common Stock, $1.00 par value</value>
        </securityTitle>
        <transactionDate>
            <value>1988-08-08</value>
            <footnoteId id="F2"/>
        </transactionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>1733.92</value>
            </transactionShares>
            <transactionValue>
                <value>0</value>
                <footnoteId id="F2"/>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>3847.77</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>I</value>
            </directOrIndirectOwnership>
            <natureOfOwnership>
                <value>Held in Deferred Compensation Plan</value>
            </natureOfOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>Common Stock, $1.00 par value</value>
        </securityTitle>
        <transactionDate>
            <value>1988-08-08</value>
            <footnoteId id="F3"/>
        </transactionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>J</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>896.135</value>
            </transactionShares>
            <transactionValue>
                <value>0</value>
                <footnoteId id="F3"/>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>896.135</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>I</value>
            </directOrIndirectOwnership>
            <natureOfOwnership>
                <value>Held in Employee Stock Ownership Retirement Plan</value>
            </natureOfOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <footnotes>
        <footnote id="F1">These shares were acquired between January 1, 2003 and March 31, 2003 pursuant to the Great American Financial Resources, Inc. Employee Stock Purchase Plan at a price ranging between $13.40 and $16.05 per share.  The information reported herein is based on a Plan statement as of March 31, 2003.</footnote>
        <footnote id="F2">Share equivalents allocated to Reporting Person's account in the Great American Financial Resources, Inc. Deferred Compensation Plan.  The information reported herein is based on Plan statements as of December 31, 2002 and March 31, 2003.</footnote>
        <footnote id="F3">These shares are allocated to the Reporting Person's account in the Great American Financial Resources, Inc. Employee Stock Ownership Retirement Plan.  The share information reported herein is based on a Plan statement as of June 13, 2003.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Michael J. Prager</signatureName>
        <signatureDate>2003-06-17</signatureDate>
    </ownerSignature>

</ownershipDocument>

