American Family vs. Progressive Car Insurance [2021]

American Family vs. Progressive car insurance reveals which company has cheaper rates and more coverage options. Some factors place American Family auto insurance rates at a more affordable price than Progressive. Overall, American Family car insurance quotes are cheaper than Progressive car insurance quotes. Shop around and compare American Family vs. Progressive auto insurance to multiple companies to find the best rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

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Here's what you need to know...

  • Progressive car insurance rates are cheaper for teen drivers than American Family car insurance.
  • Driving records and credit scores have the most significant impact on car insurance rates.
  • Younger drivers pay more car insurance at American Family and Progressive.

American Family vs. Progressive car insurance quotes may be more expensive than average, but you can slash prices down with discounts.

Our guide will take you through detailed auto insurance information about American Family and Progressive to show you which company is cheaper and carries more benefits.

American Family and Progressive are two of the best auto insurance companies in the United States, and we’ll show you how to save with both of them while comparing their pros and cons.

Enter your ZIP code in the FREE comparison tool above to compare car insurance quotes from car insurance companies outside American Family vs. Progressive car insurance.

American Family vs. Progressive Car Insurance: Which company is the cheapest?

If you’re looking for cheap auto insurance rates, American Family auto insurance rates are much less expensive than Progressive insurance rates.

Both companies have been around for a long time, and they each have impressive market shares, as you can see here.

American Family vs. Progressive Summary
SummaryAmerican Family Car Insurance StatsProgressive Car Insurance Stats
Year Founded19271937
Headquarters6000 American Parkway Madison, WI 53783-00016300 Wilson Mills Road, W33 Cleveland, OH 44143-2182
Phone Number1-800-692-63261-800-776-4737
Available in how many states?1847
Direct Premiums$2.1 Billion$2.2 Billion
Market Share2%12%
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However, your car insurance cost will depend on specific factors.

Where you live is also a significant element in determining car insurance quotes, but American Family doesn’t provide service across the nation like Progressive.

Therefore, we’ll focus on the auto insurance industry’s most significant factors, such as age, gender, driving record, and credit score.

Which is cheapest by driving record?

The best method for saving money on car insurance is to maintain a clean driving record. Auto insurance companies may give you up to 27 percent in savings for having a clean driving record.

Let’s see how driving records affect American Family and Progressive car insurance rates.

American Family vs. Progressive Average Monthly Car Insurance Rates Based on Driving Record
Driving Record SummaryAmerican Family Average Monthly RatesProgressive Average Monthly Rates
Clean Driving Record$224$283
With 1 Speeding Violation$252$334
With 1 Accident$310$398
With 1 DUI$361$331
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Speeding violations have the least impact on your driving record, but accidents and DUIs affect your car insurance policy the most. You could pay over $100 more when you have violations on your driving record.

Accidents, DUIs, and reckless driving violations can remain on your driving record and insurance record for eight to 10 years.

Your insurance history is collected by the Comprehensive Loss Underwriting Exchange (C.L.U.E.). You can request your record once a year.

Which is cheapest by credit history?

According to Experian, auto insurance companies offer cheaper rates to customers who have good credit. Insurance providers correlate good credit with less risk for filing claims.

So what does that mean for customers with fair or poor credit? Let’s compare American Family and Progressive auto insurance rates that are impacted by credit history.

American Family vs. Progressive Car Insurance Rates Based on Credit History
Credit History SummaryAmerican Family Average Monthly RatesProgressive Average Monthly Rates
Good Credit (670-739)$224$302
Fair Credit Score (580-669)$264$330
Poor Credit Score (300-579)$372$395
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Although American Family insurance is cheaper, the lowest cost doesn’t appear to change from its $224 per month average. Progressive car insurance is more expensive but has a lower percentage increase in monthly rates.

Which is cheapest by age and gender?

Your age can reveal a lot about your driving experience. Therefore, car insurance companies will determine your policy rates based on your age. However, new adult drivers will likely pay more than average.

Usually, female drivers pay less than male drivers, but it’s different for each company and state. How does gender compare on average? Check out the comparisons below to see if American Family or Progressive is more affordable.

American Family vs. Progressive Average Monthly Car Insurance Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAmerican Family Average Monthly RatesProgressive Average Monthly Rates
Married 60-year-old female$166$166
Married 60-year-old male$168$171
Married 35-year-old female$184$191
Married 35-year-old male$185$181
Single 25-year-old female$191$225
Single 25-year-old male$225$230
Single 17-year-old female$500$724
Single 17-year-old male$678$802
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Senior drivers pay the least for auto insurance from both companies. Young and single drivers pay the most for car insurance. You can get cheaper rates, which we’ll talk about later in the guide.

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American Family vs. Progressive: What car insurance coverages do they offer?

Progressive auto insurance is more costly than American Family, but how do these companies compare when you consider coverage options? Sometimes the cheapest company isn’t always best for you.

Maybe you need something specific or more coverage options. We did some research and compiled all the coverages both companies provide their customers. Let’s look at American Family and Progressive coverages in the research data below.

American Family vs. Progressive Car Insurance Coverages
American Family Car Insurance CoveragesProgressive Car Insurance Coverages
ComprehensiveBodily Injury Liability
CollisionProperty Damage Liability
Gap/Lease & LoanComprehensive
UnderinsuredCollision
Uninsured MotoristUnderinsured
Bodily InjuryUninsured Motorist
Medical PaymentsMedical Payments
24/7 Emergency Roadside AssistanceLoan/Lease Payoff
Accident ForgivenessRental Car Reimbursement
Classic CarCustom Parts and Equipment Value
Commercial Auto InsuranceRideshare Coverage
RideshareRoadside Assistance
Rental Car Reimbursement CoverageDeductible Savings Bank
OEM Coverage-
Travel Coverage-
ForeverCar-
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American Family has three more coverage options than Progressive. However, American Family doesn’t carry a deductible savings bank. If they do, it hasn’t been made public on American Family’s website.

American Family vs. Progressive Car Insurance: Which company has more discounts?

Another effective way you can save money on auto insurance is through discounts. American Family and Progressive have a few available deals. However, you have to qualify for those discounts before you receive them.

Here’s a comprehensive list of American Family and Progressive auto insurance discounts.

American Family vs. Progressive Car Insurance Discounts
Car Insurance DiscountsAmerican Family Car Insurance SavingsProgressive Car Insurance Savings
Passive Restraint30%10%
Senior Adult25%N/A
Good Student25%10%
Military25%Depends on Your State
Student Away at School25%10%
Anti-Theft Device25%5%
Multiple Policy15%10%
Multiple Vehicle13%30%
Defensive Driver10%Depends on Your State
Occupation10%N/A
Low Mileage8%Depends on Your State
Preferred payment5%Depends on Your State
Home Owner5%Depends on Your State
New Graduate5%N/A
Driving Habits5%N/A
Electronic Stability Control5%N/A
Anti-lock Brake5%N/A
Paid in full5%Depends on Your State
Provider Switch5%Depends on Your State
Travelink5%N/A
Early Quote5%N/A
Loyalty5%Depends on Your State
Sponsored Marketing5%N/A
Paperless documents3%Depends on Your State
Daytime Running Lights3%N/A
Accident Free3%N/A
Good Driver2%26%
teenSMARTDepends on Your StateDepends on Your State
Accident (Merit) RatingDepends on Your StateN/A
Accident ForgivenessDepends on Your StateN/A
Good CreditN/A84%
E-billingN/ADepends on Your State
No lapse in coverageN/ADepends on Your State
Signing documents when you buy onlineN/ADepends on Your State
Starting your auto quote onlineN/ADepends on Your State
PrepayN/ADepends on Your State
FinderN/ADepends on Your State
Youth DrivingN/ADepends on Your State
Continuous CoverageN/ADepends on Your State
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You’ve seen how American Family vs. Progressive car insurance rates have played in the sections before. When you add discounts, it makes the policy prices much cheaper.

However, American Family auto insurance discounts have more savings, which outweigh the number of discounts at Progressive insurance.

American Family vs. Progressive Car Insurance: Financial Strength and Credit Ratings

If you’re into technical details like financial strength and credit ratings, this section will explain everything you need to know about American Family and Progressive.

Financial strength and credit ratings show how well a company manages money. There are several agencies that rate every industry in the world. We’ve collected ratings from the most reliable and compiled them into the research you see below.

American Family vs. Progressive Financial Strength and Credit Ratings
AgenciesAmerican Family RatingsProgressive Ratings
AM BestA+ (Stable)A+ (Stable)
Better Business Bureau (Chicago, IL)A+A-
Moody'sAa3 (Excellent)A2 (Good)
S&PAA- (Very Good)AA (Very Strong)
NAIC Complaint Index1.161.33
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8987
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A.M. Best, Moody’s, and S&P show excellent rankings for American Family and Progressive, but Progressive is slightly better than American Family.

The Better Business Bureau, Consumer Reports, and J.D. Power rate the overall customer satisfaction. American Family has Progressive beat in the department.

Finally, the NAIC Complaint Index reveals the rate that customers complain. The average complaint is one to 1.15. American Family is slightly less likely to have a complaint than Progressive.

American Family vs. Progressive Car Insurance: Mobile App Ratings

In recent years, mobile app reviews have become more critical to the customer experience. American Family and Progressive compete on iOS and Android platforms known as Apple App Store and Google Play Store.

Let’s compare American Family’s mobile app to Progressive’s to see which company performs better on smartphone devices.

American Family vs. Progressive Mobile App Star Ratings
Smart Device Stores/SystemsAmerican Family Mobile App Star RatingsProgressive Mobile App Star Ratings
Apple App Store (iOS)5 stars3 stars
Google Play Store (Android)4 stars4 stars
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On the iOS system, American Family has a much better rating. However, American Family and Progressive are neck and neck on the Google Play Store.

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American Family vs. Progressive Car Insurance: What are the pros and cons?

What are some of the highlights of American Family insurance and Progressive insurance? Let’s look at the advantages and disadvantages of American Family vs. Progressive auto insurance.

Comparing Pros and Cons of American Family vs. Progressive Car Insurance
American Family ProsAmerican Family ConsProgressive ProsProgressive Cons
Has More Car Insurance CoveragesLimited Availability Across the CountryBetter Customer Satisfaction Ratings across the NationHigher Complaint Index
Cheaper Car Insurance Rates OverallDoes Not Carry Accident or Incident ForgivenessAvailable in 47 StatesLess Versatile Payment Methods
More Car Insurance DiscountsDoes Not Provide SR-22 AssistanceMore Features and ServicesMore Expensive
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You have found some highlights as you were reading the guide. The pros and cons analysis is to help make a sure decision on your next step to buy car insurance.

American Family vs. Progressive Car Insurance: The Bottom Line

If you think Progressive is too expensive, you can switch to another company regardless of who owns a Progressive insurance policy. As a new policyholder at another company, you could face higher premiums.

Therefore, you should take advantage of any savings that are available to secure cheap car insurance.

You can take the first step to compare American Family vs. Progressive car insurance by entering your ZIP code in the FREE comparison tool below.

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Average Monthly Car Insurance Rates by State