American Family vs. Progressive Auto Insurance (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 21, 2021

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Things to Remember

  • 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.

Average Annual and Average Monthly Car Insurance Rates by State
StateAverage Annual Full Coverage Car Insurance RatesAverage Monthly Full Coverage Car Insurance Rates
Alabama$837.09$69.76
Alaska$1,050.09$87.51
Arizona$900.18$75.02
Arkansas$951.75$79.31
California$939.52$78.29
Colorado$1,132.78$94.40
Connecticut$981.77$81.81
Countrywide$1,215.69$101.31
Delaware$1,324.39$110.37
District of Columbia$1,208.77$100.73
Florida$991.25$82.60
Georgia$858.16$71.51
Hawaii$673.13$56.09
Idaho$854.10$71.18
Illinois$728.93$60.74
Indiana$683.67$56.97
Iowa$850.79$71
Kansas$917.49$76.46
Kentucky$1,364.17$113.68
Louisiana$689.12$57.43
Maine$1,096.37$91.36
Maryland$1,107.76$92.31
Massachusetts$689.12$57.43
Michigan$1,264.20$105.35
Minnesota$856.62$71.39
Mississippi$957.59$79.80
Missouri$845.39$70.45
Montana$868.55$72.38
Nebraska$805.99$67.17
Nevada$1,083.42$90.29
New Hampshire$795.50$66.29
New Jersey$1,379.20$114.93
New Mexico$920.42$76.70
New York$1,327.82$110.65
North Carolina$768.28$64.02
North Dakota$768.09$64.01
Ohio$766.66$63.89
Oklahoma$985.58$82.13
Oregon$894.10$74.51
Pennsylvania$950.42$79.20
Rhode Island$1,257.40$104.78
South Carolina$936.69$78.06
South Dakota$744.28$62.02
Tennessee$855.56$71.30
Texas$1,066.20$88.85
Utah$852.66$71.06
Vermont$746.79$62.23
Virginia$836.14$69.68
Washington$952.10$79.34
West Virginia$1,032.45$86.04
Wisconsin$716.83$59.74
Wyoming$844.33$70.36
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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

Drivers can save up to 29% on their auto insurance rates by bundling or adding a discount to their American Family insurance policy.

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%.

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.

American Family vs. Progressive Consumer Report Ratings
Rating CategoryAmerican Family RatingsProgressive Ratings
Excellence of Reaching an AgentExcellentVery Good
Simplicity of the ProcessVery GoodVery Good
Promptness of ResponseVery GoodVery Good
Damage AmountVery GoodVery Good
Agent CourtesyExcellentVery Good
Timely PaymentVery GoodExcellent
Freedom to Select Repair ShopVery GoodVery Good
Being Kept Informed of Claim StatusExcellentVery Good
Reader Score8987
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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.

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.

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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.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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