American Family vs. Progressive Auto Insurance: Which should you buy in 2024?
When comparing American Family vs. Progressive auto insurance companies, you’ll find that American Family offers cheaper rates. While both companies have similar coverages and discounts, Progressive auto insurance has better financial ratings and higher customer claims satisfaction. Comparing American Family vs. Progressive car insurance against local providers in your area is the easiest way to decide which is the best insurance option for you.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- American Family has lower rates than Progressive
- American Family has more discount opportunities than Progressive
- Progressive has been rated better by A.M. Best
American Family and Progressive offer auto insurance coverages to drivers of all ages. American Family has lower rates, but Progressive has better financial ratings.
Comparing American Family vs. Progressive car insurance will help you decide which insurer best fits your budget. Read our auto insurance company review to learn more about how these two companies stack up in terms of rates, discount offerings, and financial strength.
Want to compare more than just American Family vs. Progressive auto insurance? Enter your ZIP code above to get free auto insurance quotes from the insurance companies near you. You’ll be able to find the type f coverage you need, and fillings out forms online can sometimes be easier than making it to a physical location.
American Family vs. Progressive: What are their annual rates?
Comparing affordable American Family vs. Progressive auto insurance rates will help you find the most economical option. The following chart shows the annual rates for American Family and Progressive auto insurance based on age.
| Age | American Family Average Annual Rates | Progressive Average Annual Rates |
|---|---|---|
| 20 | $1,931 | $2,287 |
| 30 | $1,294 | $1,585 |
| 40 | $1,220 | $1,587 |
| 50 | $1,009 | $1,558 |
| 60 | $941 | $1,485 |
As you can see, American Family has lower rates than Progressive, and rates do tend to decrease as drivers age. If your insurance policy seems expensive now, it may be because you fall into a certain age bracket. However, rates can vary by age, gender, and even where you live, so keep reading to learn more about what these companies have to offer.
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American Family vs. Progressive: What coverages are available?
Auto insurance companies let customers create customized policies by selecting specific coverages. This is generally because people are going to either want or need different coverage limits. Requirements can usually come from where a person lives, or they may just want additional protection included in their auto insurance policy if they have a brand new car.
American Family and Progressive provide similar coverage options with a few differences.
Coverages offered by both American Family and Progressive include:
- Bodily injury liability
- Property damage liability
- Medical payments
- Personal injury protection
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Rental car reimbursement
In addition to these basic coverages, American Family provides GAP insurance and accidental death and dismemberment coverage. Additional coverage options offered by Progressive include loan/lease payoff and rideshare insurance. So take these facts into consideration, because your policy limits may be much different from someone else, even if you have the same vehicles. Your situation might be different.
American Family vs. Progressive: Who offers the best auto insurance discounts?
Comparing American Family vs. Progressive auto insurance company discounts can help you determine which company provides the most savings. Customers can combine these discounts to lower their monthly rates.
American Family auto insurance discounts include:
- Good student discounts
- Multi-policy discounts
- Multi-vehicle discounts
- Safety feature discounts
- Good driver discounts
- Student away at school
- Advanced purchase
Progressive auto insurance discounts include:
- Good student discounts
- Student away at school
- Multi-policy discounts
- Multi-vehicle discounts
- Pay in full
In addition to these discount opportunities, customers can also save through insurance bundles. You can bundle your auto insurance with other types of coverage, such as life and homeowner’s insurance with either your American Family car insurance or your Progressive car insurance coverage.
American Family vs. Progressive: Which company has stronger financial and customer ratings?
Credit rating agencies review and rate insurance companies based on financial strength. These ratings determine the likelihood that the company will provide a payout when customers file a claim.
American Family has been rated an A by A.M. Best and S&P and an A1 by Moody’s. These are solid ratings and determine that American Family will usually provide a payout when customers file a claim.
Progressive has been rated an A+ by A.M. Best, an Aa1 by Moody’s, and an AA by S&P. These are superior ratings and indicate that the company has excellent financial strength.
While Progressive has been rated better than American Family by all three agencies, these ratings still show that both companies are financially capable of paying out on claims.
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. At the time of this comparison, the BBB has received 162 complaints about American Family over the past three years.
The American Family insurance complaint index ratio by the NAIC is 1.35, indicating more complaints than similarly-sized competitors.
The BBB has received 3,033 complaints about Progressive during the past three years. According to the NAIC, Progressive has a complaint index ratio of 1.05, indicating slightly more complaints than competitors of a similar size.
While American Family has received fewer complaints, Progressive is a much larger company. Progressive’s lower complaint index ratio shows that the company has greater customer satisfaction.
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American Family vs. Progressive: Do they provide roadside assistance?
Most auto insurance companies offer roadside assistance to customers. American Family and Progressive both offer roadside assistance that includes:
- Towing
- Gas delivery
- Tire change
- Battery service
Customers can add the American Family Insurance towing service to an existing policy for $10 to $20 per year. To request assistance, call the American Family Insurance phone number at 1-800-692-6326.
Progressive includes roadside assistance with collision and comprehensive coverage in most states. Customers can request this service by calling the Progressive auto insurance phone number at 1-800-776-2778.
When comparing auto insurance rates, remember that adding roadside assistance might increase your American Family or Progressive auto insurance quotes.
American Family vs. Progressive: Do they have mobile apps?
Customers can access the American Family and Progressive mobile apps on most devices. Customers can use their American Family or Progressive auto login to access digital ID cards, manage policies, make payments, and request roadside assistance.
American Family vs. Progressive: Where are they located?
Customers can manage their policies online, but most auto insurance companies still have some physical offices. American Family and Progressive have multiple offices located around the country.
The American Family Insurance headquarters are in Madison, WI. The company has additional offices in the following cities:
- Denver, CO
- Eden Prairie, MN
- Phoenix, AZ
- St. Joseph, MO
- St. Louis, MO
Progressive’s headquarters are located in Cleveland, OH. Customers can visit the company’s physical locations in the following cities:
- Austin, TX
- Colorado Spring, CO
- Phoenix, AZ
- Sacramento, CA
- Tampa Bay, FL
Most customers won’t need to visit any of these offices, but they are available if customers desire face-to-face interaction with a representative.
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American Family vs. Progressive Auto Insurance: The Bottom Line
Our review shows American Family Insurance has lower rates than Progressive, making the company the better choice for budget-conscious customers. However, Progressive auto insurance has better financial ratings and customer claims satisfaction.
Remember, your individual auto insurance rates will vary based on your age, gender, driving record, and ZIP code, so shop around before you buy American Family vs. Progressive auto insurance.
Start here with our free comparison tool. Enter your ZIP code below to get free car insurance quotes from local companies today.
Frequently Asked Questions
What are the main differences between American Family and Progressive auto insurance?
American Family and Progressive are both well-known auto insurance providers, but they have some differences in terms of coverage options, pricing, and customer service. American Family offers a range of coverage options and focuses on personalized service, while Progressive is known for its user-friendly technology and competitive pricing. It’s important to compare the specific offerings of each company, including coverage options, discounts, customer reviews, and available features, to determine which aligns better with your needs and preferences.
Which company has better customer satisfaction ratings: American Family or Progressive?
Customer satisfaction ratings can vary over time and depend on individual experiences. It’s advisable to research the most up-to-date customer satisfaction ratings for American Family and Progressive by consulting reputable sources such as J.D. Power, Consumer Reports, or the National Association of Insurance Commissioners (NAIC). These organizations conduct surveys and collect data on customer experiences to provide insights into the satisfaction levels of insurance companies.
Does American Family or Progressive offer better discounts or pricing?
The discounts and pricing offered by American Family and Progressive can vary based on several factors, including your location, driving history, type of vehicle, and other eligibility criteria. To determine which company offers better discounts and pricing for your specific situation, it’s recommended to obtain quotes from both insurers and compare them. Be sure to consider any available discounts, such as safe driver discounts, multi-policy discounts, good student discounts, or loyalty discounts, as these can impact the overall cost of your insurance coverage.
Which company provides better coverage options?
The coverage options offered by American Family and Progressive can depend on your individual needs and preferences. Both companies typically offer standard coverages such as liability, collision, comprehensive, and uninsured/underinsured motorist coverage. However, they may also have additional options or endorsements that differ from one another. Carefully review the coverage options provided by each company to ensure they align with your specific requirements, such as coverage limits, deductible options, and any additional features or riders available.
Should I consider customer reviews when deciding between American Family and Progressive?
Customer reviews can provide valuable insights into the experiences of others with American Family and Progressive. Reading customer reviews can give you an idea of the level of customer service, claims handling, and overall satisfaction with the insurance companies. However, it’s important to consider a variety of reviews and sources to get a balanced understanding, as individual experiences can vary. Additionally, factors such as the number of customers and regional variations may influence the overall review ratings.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.