Ameriprise vs. Progressive Car Insurance [2021]

In a comparison of Ameriprise vs. Progressive, Progressive came out on top. Both companies hold an identical rating from A.M. Best. However, in a comparison of Ameriprise vs. Progressive car insurance rates, Progressive is slightly more affordable. Furthermore, Progressive offers far more discounts to its insured than Ameriprise.

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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: Jul 8, 2021

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Here's What You Need to Know

  • Progressive offers far more discounts than Ameriprise
  • A.M. Best gave the same rating to both companies
  • Progressive offers slightly more affordable rates than Ameriprise

Part of what makes comparing car insurance companies difficult is the sheer number of options on the market. To simplify matters, we will be focusing on Ameriprise vs. Progressive today.

Our Ameriprise vs. Progressive car insurance review will cover pricing, available discounts, and A.M. Best ratings.

Before we dive into this Ameriprise vs. Progressive company comparison, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable car insurance quotes in your area.

Ameriprise vs. Progressive Car Insurance Rates: Which company is more affordable?

The simplest place to start when pitting two companies together is pricing. Let’s look at a table that compares annual car insurance rates from companies including Ameriprise and Progressive.

Average Annual Car Insurance Rates
CompanyAverage Annual Annual Rates
Ameriprise$1,387
Amica$1,071
State Farm$1,340
Progressive$1,365
Esurance$1,165
Safeco$1,655
Safe Auto$1,921
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How easy is it to find affordable Ameriprise vs. Progressive car insurance quotes? As you can see, Ameriprise and Progressive are just about tied. However, Progressive is still $22 cheaper per year than Ameriprise.

Now that we know Progressive has the edge over Ameriprise when it comes to pricing, perhaps Ameriprise offers more discounts to make up for it.

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Ameriprise vs. Progressive: Which company offers more discounts?

Now that we’ve seen what prices you can expect, how can you lower them? Let’s take a look at a table that shows discounts available from major insurers including Ameriprise and Progressive.

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
AAAN/AN/AYesYesYesN/AN/AN/AN/AYesYesN/AYes
AllstateN/AN/A10%10%2%2%N/A10%N/A30%30%N/A10%
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
AmeripriseN/AN/A3%3%YesN/AN/AN/AN/AN/A3%N/A5%
AmicaYesN/A5%25%N/A5%8%N/AN/AN/A30%N/A10%
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
EsuranceN/AN/A5%25%YesN/AN/AYesN/AYes33%Yes25%
FarmersYesN/AYesYesYesYesN/A5%N/AYesYesYesYes
GeicoN/AN/A5%25%1%N/AN/AN/AN/AYes40%N/A25%
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
MetLifeYesYes5%10%5%YesYesN/AYesYes5%10%10%
NationwideYesYes5%25%5%YesYesN/AYesYes20%Yes25%
ProgressiveYesYesYesYesYesYesYesN/AYesYesYesYesYes
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
SafecoN/AN/AYesYesN/AN/AN/AN/AN/AYes2%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
TravelersN/AN/AYesYesYesN/AN/A10%N/A10%YesYesYes
USAAN/AN/AYesYesYesN/AN/AN/AN/A12%YesYesYes
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As you can see, Ameriprise offers five of this list’s discounts. These include discounts for anti-lock brakes, anti-theft devices, daytime running lights, passive restraint, and vehicle recovery.

What’s great is how most of these discounts are accessible via your Ameriprise insurance login.

How many Progressive car insurance discounts are there? Progressive offers far more discounts, with a total of 13 from the list. These include discounts for adaptive headlights, anti-theft devices, and forward collision warning.

Now, let’s wrap up with Progressive and Ameriprise reviews to see if there is a clear winner.

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Ameriprise vs. Progressive: Which company is more well-reviewed?

To wrap up, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

Ameriprise received a rating of “A+” (Superior), which is the highest of seven rating tiers. How did Progressive fare in comparison? It received the exact same rating.

In short, both companies hold the same A.M. Best rating but Progressive has slightly cheaper prices and far more discounts.

We hope you learned all you needed to decide between whether to buy Ameriprise vs. Progressive car insurance. Type your ZIP code into our free and helpful tool below for quotes in your area.

Frequently Asked Questions: Ameriprise vs. Progressive Car Insurance 

What follows are a few frequently asked questions about these two companies.

#1 – Is there Progressive non-owner car insurance?

Yes, but Progressive will only issue a non-owner car insurance policy to an existing customer.

#2 – Is there Progressive roadside assistance?

Yes, and it can be added to a policy for less than $2 per month.

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