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Progressive vs. American Family: Which provider is better?

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Progressive vs. American Family

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.

Our top pick:

  • Customizable coverage
  • Industry-specific options
  • Easy online access
  • 24/7 assistance

Our top pick: Progressive commercial car insurance

This big-name lender offers general and specialized coverage for your drivers or fleet. But don’t expect top customer support.

  • Customizable coverage
  • Industry-specific options
  • Easy online access
  • 24/7 assistance
Promoted
Progressive

Progressive

American Family

American Family

About the provider Progressive is a household name and one of the largest car insurance companies in the US. Since its origins in 1937, customers have been flocking to Progressive for their insurance needs. It also offers discounts via Snapshot, a usage-based insurance program. For 90 years, American Family has worked hard to give quality rates and services. In addition to auto insurance, it offers home, life, business, and farm and ranch insurance with a strong commitment to protect its customers.
Price Policy costs depend your personal situation. Visit Progressive for a quote based on your specific needs. Policy costs depend your personal situation. Visit American Family for a quote based on your specific needs.
States served All 50 states 19
User satisfaction* A+ B+
J.D. Power ratings** 3/5 on overall claims satisfaction 4/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts

* Based on Better Business Bureau’s company rating ** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Progressive

Progressive

American Family

American Family

Good student Varies (B’s or better. Additional discount if away at school, 100+ miles away and 22 or younger) Varies. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)
Defensive driver 5-10% (55+, completed defensive driving course)
Good driver 31% (no tickets or accidents in the last three years)
Pay in full discount
Multicar 10%
Military
Homeowner
Other discounts Automatic bill pays – Varies

Sign documents online – 7% (not available in CA, GA, and NC)

Minor child driver – Varies (newly licensed child, 18 and under)

Continuous insurance (maintained active car insurance with no gaps or cancellations)

Loyalty discount Early-bird discount

Steer into Savings discount

Low mileage discount – Drive less than 7,500 miles per year

Teen Safe Driver discount – Enroll teen in free program

Young volunteer discount
– Under 25, 40+ hours per year volunteering for non-profit

Generational discount – 18-24 with a parent who is an American Family customer

KnowYourDrive discount – Up to 40% on your car insurance (based on evaluation during KnowYourDrive periods)


Vehicle discounts

Progressive

Progressive

American Family

American Family

Anti-theft device
Anti-lock brake
Passive restraints
Air bag
Other discounts Auto safety equipment – 10-30%

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 Available states
Optional
Yes, cars under 3 years old & 15,000 miles
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 2 years old
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA
Connects high-risk drivers to providers in its network offering affordable policies
Optional
No
All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.

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