Progressive vs American Family Car Insurance

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Progressive or American Family:
Which Company is Best for You?

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.

 

Progressive vs. American Family: premium comparison

 

Progressive vs. American Family: by credit level

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.

 

RATES BY CREDIT LEVEL: American Family VS. Progressive
Credit scoreProgressive avg. annual premiumAmerican Family avg. annual premium
Very Poor (300-579)$3,602$1,931
Fair (580-669)$2,127$1,294
Good (670-739)$1,708$1,220
Very Good (740-799)$1,453$1,009
Exceptional (800-850)$1,320$941

 

Progressive vs. American Family: costs for high-risk drivers

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.

 

RATES BY VIOLATION: American Family VS. Progressive
ViolationProgressive avg. annual premiumAmerican Family avg. annual premium
At-fault accident (damage < $1,000)$2,720$1,763
At-fault accident (damage > $1,000)$2,245$990
DUI/DWI$2,201$1,857
Reckless driving$2,457$1,857
Speeding ticket$2,091$1,270

 

Progressive vs. American Family: rates by age

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..

 

RATES BY AGE BRACKET: American Family VS. Progressive
Age tierProgressive avg. annual premiumAmerican Family avg. annual premium
Teens$8,248$3,810
20s$2,287$1,685
30s$1,646$1,685
40s$1,644$1,089
50s$1,542$1,089
60s$1,403$986

 

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 ComparisonProgressiveAmerican Family
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonProgressiveAmerican Family
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A

Other ProductsProgressiveAmerican Family
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesProgressiveAmerican Family
AboutProgressive 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 AssistanceProgressive'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 DiscountsProgressive 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
Recent Questions
Compare MoreProgressive 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. Farm Bureau Mutual 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. North Star Mutual 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. USAAAmerican 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. Farm Bureau Mutual 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. North Star Mutual 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Progressive vs American Family

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