American Family vs. Progressive Auto Insurance (2024)
Read our comparison of American Family vs. Progressive auto insurance companies' consumer ratings, customer satisfaction, financial strength, and discounts. You can save up to 29% on American Family vs. Progressive car insurance rates by bundling with other policies such as homeowners or renters insurance. Both companies have strong financial futures with A.M. Best ratings of A or better.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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UPDATED: Mar 18, 2024
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- American Family drivers can save up to 29% on their auto insurance rates when they bundle their insurance policies
- American Family has an A.M. Best rating of A
- Progressive advertises a 4% savings on auto insurance when customers bundle their auto insurance policy with another policy
- Progressive Insurance has an A.M. Best rating of A+
Purchasing an auto insurance policy often requires a lot of energy. There are so many auto insurance companies and policies on the market, and finding the right one for you can be overwhelming.
To ease the process for you, we compared two of the best auto insurance companies: American Family vs. Progressive. American Family Insurance specializes in property, casualty, and auto insurance, while Progressive Insurance focuses mainly on auto insurance.
In our American Family vs. Progressive auto insurance guide, we compare rates by age, driving record, credit score, and other factors that affect the cost of auto insurance.
While you shop for affordable American Family vs. Progressive auto insurance coverage, enter your ZIP code above to start comparing free car insurance quotes from the companies in your area.
What are American Family vs. Progressive auto insurance rates?
Factors like where you live, your driving record, age, gender, and more determine whether you will have less or more expensive auto insurance rates.
Unfortunately, American Family’s rates are not readily available, so it isn’t easy to compare American Family vs. Progressive auto insurance rates.
However, below are sample monthly and yearly full coverage auto insurance rates by state. This will hopefully give you an idea of what you may pay for auto insurance in your area.
| States | Monthly Rates |
|---|---|
| Alabama | $70 |
| Alaska | $88 |
| Arizona | $75 |
| Arkansas | $79 |
| California | $78 |
| Colorado | $94 |
| Connecticut | $82 |
| Countrywide | $101 |
| Delaware | $110 |
| District of Columbia | $101 |
| Florida | $83 |
| Georgia | $72 |
| Hawaii | $56 |
| Idaho | $71 |
| Illinois | $61 |
| Indiana | $57 |
| Iowa | $71 |
| Kansas | $76 |
| Kentucky | $114 |
| Louisiana | $57 |
| Maine | $91 |
| Maryland | $92 |
| Massachusetts | $57 |
| Michigan | $105 |
| Minnesota | $71 |
| Mississippi | $80 |
| Missouri | $70 |
| Montana | $72 |
| Nebraska | $67 |
| Nevada | $90 |
| New Hampshire | $66 |
| New Jersey | $115 |
| New Mexico | $77 |
| New York | $111 |
| North Carolina | $64 |
| North Dakota | $64 |
| Ohio | $64 |
| Oklahoma | $82 |
| Oregon | $75 |
| Pennsylvania | $79 |
| Rhode Island | $105 |
| South Carolina | $78 |
| South Dakota | $62 |
| Tennessee | $71 |
| Texas | $89 |
| Utah | $71 |
| Vermont | $62 |
| Virginia | $70 |
| Washington | $79 |
| West Virginia | $86 |
| Wisconsin | $60 |
| Wyoming | $70 |
It’s always smart to compare companies’ sample auto insurance rates, as it gives you a better idea of what each company has to offer. It also helps you find the right coverage at an affordable price.
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What are American Family vs. Progressive auto insurance discounts?
Because these companies are so diverse in their offerings, the car insurance discounts they offer are also diverse. Below is a list of the different deals available from American Family and Progressive.
American Family Auto Insurance Discounts
American Family currently offers the following discounts on auto insurance:
- Auto Safety Equipment
- Away at School
- Loyalty
- Defensive Driver
- Early-Bird
- Generational
- Good Driving
- Good Student
- KnowYourDrive
- Low Mileage
- Multi-Product
- Multi-Vehicle
- Steer into Savings
- Teen Safe Driver
- Young Volunteer
Read more: American Family KnowYourDrive Review
Drivers can save up to 29% on their auto insurance rates by bundling or adding a discount to their American Family insurance policy. Learn how to save money by bundling insurance policies.
Be sure to ask about American Family vs. Progressive commercial auto insurance, especially if you are a food delivery driver. The amount of your American Family vs. Progressive quotes will likely be higher for commercial auto insurance.
Progressive Auto Insurance Discounts
Progressive offers a discount for drivers that bundle their insurance policies through the company. This discount includes bundling auto insurance, home insurance, or renters insurance.
Drivers that take advantage of either of these two bundling options will receive a multi-policy discount on their auto insurance policy that will save them an average of 4%. See Progressive auto insurance discounts for more information.
American Family vs. Progressive: Which company has better consumer ratings?
Another good way to find out which company is for you is to compare American Family vs. Progressive consumer ratings. Look at the table below to see how each company was rated in a Consumer Reports auto insurance study.
| Rating Category | American Family Ratings | Progressive Ratings |
|---|---|---|
| Excellence of Reaching an Agent | Excellent | Very Good |
| Simplicity of the Process | Very Good | Very Good |
| Promptness of Response | Very Good | Very Good |
| Damage Amount | Very Good | Very Good |
| Agent Courtesy | Excellent | Very Good |
| Timely Payment | Very Good | Excellent |
| Freedom to Select Repair Shop | Very Good | Very Good |
| Being Kept Informed of Claim Status | Excellent | Very Good |
| Reader Score | 89 | 87 |
As you can see, American Family and Progressive are close in Consumer Reports rankings.
American Family vs. Nationwide auto insurance companies are also similar in their wide variety of insurance policies offered, so consider their A.M. Best ratings as you choose between American Family vs. Progressive:
- The American Family insurance rating from A.M. Best is an A.
- Progressive Insurance has an A.M. Best rating of A+.
In J.D. Power’s 2020 U.S. auto insurance study on customer satisfaction, American Family tied with Geico for the highest-ranking auto insurance company in the southwest. On a 1,000-point scale, Progressive scored an 848, ranking second for the state of Texas.
What auto insurance policies are offered by American Family?
American Family has a long list of auto insurance policies available to its members. Of course, the company offers different types of auto insurance coverage, like collision, comprehensive, and liability insurance.
However, apart from basic coverage, American Family insurance options also include:
- Underinsured and uninsured motorist insurance
- Classic car insurance
- Commercial insurance
- Rideshare insurance
- GAP/lease & loan insurance
- Medical payments insurance
- 24/7 roadside assistance insurance
- Accident forgiveness insurance
- Auto rental reimbursement insurance
- Original equipment manufacturer (OEM) insurance
- Travel insurance
- ForeverCar
American Family’s ForeverCar vehicle service plan covers extra repair costs in the event of an accident. It’s different from an extended warranty in that it adapts to your needs over time.
For more detailed information on AmFam auto insurance discounts, policies, and more, you have to have an American Family login. You can use this login on amfam.com to make payments, file claims, and order new ID cards.
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What auto insurance policies are offered by Progressive?
Similar to American Family, Progressive offers a full range of personal insurance policies. Although the company doesn’t openly advertise it, Progressive does offer a line of business insurance as well.
Let’s take a look at Progressive auto insurance policy options. Apart from standard and full coverage auto insurance, Progressive auto insurance policies include:
- Classic auto insurance
- Boat insurance
- Snowmobile insurance
- ATV insurance
- Motorcycle insurance
- Personal watercraft insurance
- Segway insurance
- Golf cart insurance
For detailed information on Progressive’s discounts, policies, and more, you have to have a Progressive login. Using a Progressive insurance login, you can also make payments, file claims, and request new ID cards. The same options are available on the Progressive app.
What is American Family Insurance?
American Family Insurance is a private mutual insurance company specializing in auto insurance and property and casualty insurance. Additional services offered by American Family include commercial, health, homeowners, and life insurance, as well as investment and retirement-planning services.
American Family is headquartered in Madison, Wisconsin, and serves customers across the United States.
It’s important to note that American Family is a separate company from American Family Care. Although similar in name, the latter is an urgent care practice, while American Family Insurance is a personal and business insurance company. Read our American Family auto insurance review to learn more.
What is Progressive Corporation?
Progressive Insurance is an insurance company offering auto insurance to customers across the United States. Outside of auto insurance, the company has an additional 30+ insurance products from which customers can choose and offers an auto insurance discount to drivers who bundle their policies. For more information see Progressive auto insurance review.
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American Family vs. Progressive: The Bottom Line
As American Family and Progressive are similar, the decision comes down to which company you like best and which makes the most sense based on the personal factors we discussed above.
Before you buy American Family vs. Progressive auto insurance, enter your ZIP code into our free online tool for instant auto insurance quotes from companies in your area.
Frequently Asked Questions
What is the difference between American Family and Progressive Auto Insurance?
American Family and Progressive Auto Insurance are two well-known insurance providers in the United States. While both companies offer auto insurance coverage, there are some key differences to consider:
- American Family: American Family Insurance is a mutual company that has been in operation for over 90 years. They provide a wide range of insurance products, including auto insurance, home insurance, and life insurance. American Family is known for its personalized customer service and emphasis on building long-term relationships with policyholders. They offer various discounts and benefits to policyholders, including accident forgiveness and a loyalty rewards program.
- Progressive: Progressive Insurance is one of the largest auto insurance companies in the United States. They are known for their innovative approach to insurance, including the use of technology and data analytics. Progressive offers a range of coverage options, including standard auto insurance, as well as specialized coverage for motorcycles, RVs, and boats. They are often associated with their “Name Your Price” tool, which allows customers to customize their coverage based on their budget.
Which company offers better rates?
The rates offered by American Family and Progressive Auto Insurance can vary based on several factors, including your location, driving history, age, and the type of coverage you need. It’s essential to obtain quotes from both companies and compare them to determine which one offers better rates for your specific circumstances. Keep in mind that the rates can also be influenced by the available discounts and any unique features or benefits offered by each company.
What discounts are available with American Family and Progressive?
Both American Family and Progressive offer various discounts to help policyholders save on their auto insurance premiums. Here are some common discounts provided by each company:
American Family:
- Multi-vehicle discount: Save when you insure more than one vehicle with American Family.
- Good driving discount: Receive a discount for maintaining a clean driving record.
- Bundling discount: Save by bundling your auto insurance policy with other insurance products, such as home or renters insurance.
- Loyalty discount: Earn discounts for being a long-term American Family policyholder.
- Student discounts: Discounts are available for high-performing students and those who complete a driver education course.
Progressive:
- Snapshot program: Progressive offers a usage-based program called Snapshot, which tracks your driving habits and can lead to additional discounts based on safe driving behavior.
- Multi-policy discount: Save by bundling your auto insurance with other policies like home or renters insurance.
- Multi-car discount: Insure more than one vehicle with Progressive to receive a discount.
- Good student discount: Discounts are available for students who maintain good grades.
- Continuous insurance discount: If you have had continuous auto insurance coverage without a gap, you may be eligible for a discount.
How can I file a claim with American Family or Progressive?
To file a claim with American Family or Progressive, follow these general steps:
American Family:
- Contact American Family’s claims department either through their website, mobile app, or by phone.
- Provide necessary information about the incident, such as the date, time, location, and a detailed description of what happened.
- Provide your policy information and answer any additional questions asked by the claims representative.
- Follow any instructions given by American Family, such as providing supporting documents or getting repair estimates.
- Work with the claims representative throughout the process to ensure your claim is handled promptly and fairly.
Progressive:
- File a claim online through the Progressive website or mobile app, or contact their claims department by phone.
- Provide information about the incident, including the date, time, location, and a description of what happened.
- Provide your policy details and answer any additional questions asked by the claims representative.
- Cooperate with Progressive’s instructions, which may include obtaining repair estimates, submitting photos, or providing any necessary documentation.
- Stay in touch with the claims representative to track the progress of your claim and address any concerns or questions you may have.
Can I manage my policy online with American Family and Progressive?
Yes, both American Family and Progressive offer online policy management options for their customers. These online platforms allow you to access and manage your policy conveniently. Some of the features you can typically expect to find include:
- View and update policy information.
- Make payments and set up automatic payment options.
- Review coverage details and add or remove coverage options.
- Access policy documents and review your insurance history.
- File and track claims.
- Request policy changes or endorsements.
- Communicate with customer service representatives.
Does American Family or Progressive offer any unique discounts?
Both American Family and Progressive offer various discounts to help policyholders save on their auto insurance. These discounts may include safe driver discounts, multi-policy discounts, good student discounts, and more. However, the specific discounts available and their eligibility criteria can differ between the two companies, so it is advisable to inquire directly with each insurer to determine which discounts you may qualify for.
How do American Family and Progressive handle claims?
American Family and Progressive have established claims processes to assist policyholders in the event of an accident or damage to their vehicle. They both provide options for filing claims online, over the phone, or through their mobile apps. It is important to contact your insurance provider promptly after an incident to initiate the claims process and receive guidance on how to proceed.
Which company has a better financial strength rating, American Family or Progressive?
Both American Family and Progressive have strong financial ratings. However, financial strength ratings can be subject to change, and it is recommended to consult reputable rating agencies, such as A.M. Best, Moody’s, or Standard & Poor’s, to obtain the most up-to-date information on each company’s financial stability.
Can I bundle my auto insurance with other policies with American Family or Progressive?
Both American Family and Progressive offer the option to bundle your auto insurance with other policies, such as home insurance, renters insurance, or umbrella insurance. Bundling policies with the same insurer often leads to potential discounts and convenience of managing multiple policies under one provider. It is advisable to inquire with each company about the specific bundling options available and the potential benefits.