Selecting a car insurance company is sometimes difficult: companies' rates vary by location, age, and driving history, and every company provides a different set of discounts. Progressive and American Family are two of the most popular insurance companies, providing competitively priced policies across many states.
In an effort to take the sting out of shopping for car insurance, we gathered average prices from American Family and Progressive. These take into account myriad pricing factors, including credit score, driving history, and demographics. Compare rates and find an affordable policy today.
If you have very poor credit, American Family could be the best option for you. On average, American Family offers more affordable premiums than Progressive for drivers with credit scores of less than 580. Insurance shoppers with extraordinary credit — a score of 800-plus — should favor View typical insurance rates by credit level for American Family and Progressive below.
|Credit score||Progressive avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$3,602||$1,931|
|Very Good (740-799)||$1,453||$1,009|
If you've got an at-fault collision, speeding ticket, reckless driving citation, or DUI on your résumé, American Family could be a better choice than Progressive. Every insurer prices its policies differently, so it's worth comparing quotes to understand which insurance company suits you.
|Violation||Progressive avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$2,720||$1,763|
|At-fault accident (damage > $1,000)||$2,245||$990|
Insurance companies use age to outline risk potential, assigning rates accordingly. An auto insurance policy is commonly priciest for teens — due to their inexperience — and most affordable for drivers aged 25 or older. Because every auto insurance company prices age tiers in a different way, it's a smart move to shop around.
As a general rule, teen drivers should choose American Family instead of Progressive: the former's average annual rates are $4,438 less than the latter's..
|Age tier||Progressive avg. annual premium||American Family avg. annual premium|
Aside from finances, Progressive and American Family each have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||Progressive||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Progressive||American Family|
|JD Power Rankings||3 out of 5||4 out of 5|
|Other Products||Progressive||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Progressive||American Family|
|About||Progressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.|
|Roadside Assistance||Progressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).|
|Additional Discounts||Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.||None Available|
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|Compare More||Progressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. Root Progressive vs. SAFECO Progressive vs. Safe Auto Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAA||American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. SAFECO American Family vs. Safe Auto American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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