American Family vs. Progressive: Pros & Cons (2021)

When comparing American Family vs. Progressive auto insurance, it’s important to consider your specific needs. While American Family auto insurance quotes are generally lower than Progressive’s, Progressive auto insurance company offers some special features that American Family does not. Get auto insurance quotes today.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • American Family auto insurance rates are typically lower than Progressive.
  • Progressive auto insurance has a higher A.M. Best rating than American Family.
  • Both companies offer a variety of discounts.

Auto insurance heavyweights American Family and Progressive have been serving Americans for nearly a century. Thousands of drivers use these providers each year.

It is known that American Family auto insurance is typically cheaper than Progressive, and their rate differences can be significant. So, why do so many people buy Progressive auto insurance?

It’s because the best auto insurance policy isn’t determined by rates alone.

When trying to answer the question of American Family vs. Progressive auto insurance, drivers must take a broader look at each company’s services to fully understand their auto insurance options.

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American Family vs. Progressive: Who Has the Best Auto Insurance Options for You?

Low auto insurance rates don’t always equal customer satisfaction. Other factors like customer service, discount options, roadside assistance, and more can heavily influence which auto insurance provider a driver chooses.

Both Progressive and American Family auto insurance have a median customer rating of 3.5 stars, based on 138 reviews for American Family and more than 2,000 for Progressive insurance.

The number of reviews alone could cause one to deduce that Progressive auto insurance company may be the customer preference.

Many of Progressive’s customer complaints are related to poor customer service and delayed action after an accident.

American Family’s auto insurance complaints, however, primarily have to do with finances.

There are many claims that the company has continued to collect payment on canceled policies or that monthly charges do not match previously agreed-upon auto insurance rates.

Customer reviews and complaints are important factors to take into account when selecting a company to buy auto insurance from.

Why Buy American Family Auto Insurance?

Affordable American Family auto insurance rates have helped the company stand out from competitors.

American Family Average Annual Car Insurance Rates Compared to State Average
StateAmerican Family Average Annual RatesState Average Annual RatesHigher/Lower ($) Than State Average Annual RatesHigher/Lower (%) Than State Average Annual Rates
Wisconsin$1,513.27 $3,606.06 ($2,092.80)
Ohio$1,515.17 $2,709.71 ($1,194.54)-78.84%
Kansas$2,146.40 $3,279.62 ($1,133.22)-52.80%
Nebraska$2,215.13 $3,283.68 ($1,068.55)-48.24%
Iowa$3,021.81 $2,981.28 $40.53 1.34%
Missouri$3,286.90 $3,328.93 ($42.03)-1.28%
Minnesota$3,521.29 $4,403.25 ($881.97)-25.05%
Oregon$3,527.28 $3,467.77 $59.51 1.69%
Indiana$3,679.68 $3,414.97 $264.71 7.19%
Utah$3,698.77 $3,611.89 $86.88 2.35%
Washington$3,713.02 $3,059.32 $653.70 17.61%
Idaho$3,728.79 $2,979.09 $749.70 20.11%
Colorado$3,733.02 $3,876.39 ($143.37)-3.84%
North Dakota$3,812.40 $4,165.84 ($353.44)-9.27%
Illinois$3,815.31 $3,305.48 $509.82 13.36%
South Dakota$4,047.47 $3,982.27 $65.20 1.61%
Alaska$4,153.07 $3,421.51 $731.55 17.61%
Texas$4,848.72 $4,043.28 $805.44 16.61%
Nevada$5,441.18 $4,861.70 $579.48 10.65%
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In addition to having generally low rates, the company prides itself on its accessibility and ease of use for customers.

With a variety of options, American Family auto insurance company makes it easy to customize your policy to fit your needs.

They also make it easy to access and manage your account via their mobile app. Through this app, users can pay their bills, access insurance cards, and even submit claims.

The cherry on top that sways many drivers toward a particular auto insurance provider is their discounts, and American Family has plenty of them.

Drivers who pay close attention to an auto insurance company’s financial strength rating will appreciate American Family’s A.M. Best solid A rating.

Why Choose Progressive Auto Insurance?

Although American Family auto insurance quotes are lower on average, there are some instances in which Progressive’s rates may be cheaper.

Average Annual Progressive Auto Insurance Rates by State
StatesProgressive Average Annual RatesState Average Annual RatesDifferences in Average Rates ($)Differences in Average Rates (%)
North Carolina$2,382.61$3,393.11-$1,010.50-29.78%
New Hampshire$2,694.45$3,151.77-$457.32-14.51%
New Mexico$3,119.18$3,463.64-$344.46-9.94%
North Dakota$3,623.06$4,165.84-$542.78-13.03%
South Dakota$3,752.81$3,982.27-$229.46-5.76%
New York$3,771.15$4,289.88-$518.73-12.09%
New Jersey$3,972.72$5,515.21-$1,542.49-27.97%
South Carolina$4,573.08$3,781.14$791.9420.94%
District of Columbia$4,970.26$4,439.24$531.0211.96%
Rhode Island$5,231.09$5,003.36$227.734.55%
West Virginia-$2,595.36--
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In some cities, such as Chicago and Phoenix, Progressive’s average rates are lower than American Family’s for married drivers, drivers with a speeding ticket, drivers between the ages 40 and 65, and drivers with good credit.

Progressive auto insurance has a financial strength rating of A+ by A.M. Best and also offers a variety of discounts to eligible drivers, as well as mobile account access.

American Family vs. Progressive Auto Insurance Discounts

While the majority of discounts offered by each company differ, both Progressive and American Family have many discounts their customers could qualify for.

American Family vs. Progressive Auto Insurance Discounts
Discount American FamilyProgressive
Advanced PurchaseYesNo
Affinity Membership AlumNoNo
Air BagsYesNo
Annual MileageNoNo
Anti-Lock Brake SystemNoNo
Anti-Theft Device(s)NoNo
Defensive DriverYesNo
Driver TrainingNoNo
eSign or ePayNoNo
Good DriverYesNo
Good StudentYesYes
Green VehiclesNoNo
Multiple PoliciesYesYes
Multiple VehiclesYesYes
New VehicleNoNo
Pay in FullNo Yes
Student Away at SchoolYesYes
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What Determines Auto Insurance Rates?

What determines Progressive’s and American Family’s auto insurance rates? Rates often depend on factors like the policyholder’s credit score, driving record, and age.

Typically, drivers with high credit scores will receive lower rates than those with low scores.

American Family vs. Progressive Auto Insurance Rates by Credit Score
Credit ScoreAmerican Family avg. Annual RateProgressive avg. Annual Rate
Exceptional (800-850)$941 $1,320
Very Good (740-799)$1,009 $1,453
Good (670-739)$1,220 $1,708
Fair (580-669)$1,294 $2,127
Very Poor (300-579)$1,931 $3,602
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Those with poor driving records are not necessarily ineligible for low auto insurance rates. As mentioned above, drivers with speeding tickets may be able to get a more affordable Progressive auto insurance quote.

However, American Family’s rates are generally lower for drivers with violations on their records. It is always best to contact the insurance company directly for information on post-violation policies.

For households with younger drivers, Progressive auto insurance rates are higher by several thousand dollars.

This may balance out, however, if discounts are applied to the policy. The discounts could counter the cost to add a driver in their teens or 20s.

Progressive’s rates reduce for drivers in their 30s and on and only differ from American Family’s auto insurance rates for drivers in that same age bracket by a few hundred dollars.

American Family vs. Progressive: The Verdict

There is no specific standard for what makes one auto insurance policy better than another. Each policyholder is different and has different needs based on their vehicle, location, household members, number of drivers, and more.

The right policy for you is the one that best accommodates your needs and gives you the greatest peace of mind.

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American Family vs. Progressive Auto Insurance FAQS

#1 – Can I pay my Progressive bill online?

Progressive policyholders can pay their auto insurance bills online, either by accessing the Progressive insurance login portal on their computers or by using the Progressive login on the company’s mobile app.

#2 – Does American Family care how I cancel my policy?

American Family recommends canceling your auto insurance policy by calling one of their agents directly. If an agent is unavailable, you can call the company’s 24/7 customer care line for assistance.

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