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Progressive vs. American Family: Which provider is better?

Progressive vs. American Family

Our top pick: Progressive

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership
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Insurance giant Progressive is a household name, and although American Family Insurance is lesser known, it aims to gain the trust of their customers through top-notch customer service and protection.

Both companies get good marks from the Better Business Bureau, with Progressive edging out ahead of American Family Insurance’s B+ with an A+. And both offer ways to bring the cost of your insurance down through discounts.

So which one should you choose? Take a look at our side-by-side comparison below to get a better idea of which one might best suit your needs.

Progressive

American Family

OVERVIEW

OVERVIEW
About the provider
About the brand Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims. American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.
States served
States served All 50 states & DC
AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection No Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods online
phone
online
phone
Payment schedule
Payment schedule 12 months
6 months
12 months
monthly
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount Yes Yes
Multi car discount
Multi car discount Yes, up to 10% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes, up to 10%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount Yes Yes
Learn more
Learn more

Bottom line

Progressive is the clear winner in the amount of discounts it provides, but if those discounts don’t apply to you, then there’s no real cost savings. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Progressive and American Family

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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