Progressive vs. American Family: Which provider is better?

Progressive vs. American Family: Which provider is better?

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.

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ProgressiveProgressiveAmerican FamilyAmerican Family
AboutProgressive 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.
PricePolicy 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 servedAll 50 states19
User satisfaction*A+B+
J.D. Power ratings**3/5 on overall claims satisfaction4/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts

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


Driver discounts

ProgressiveProgressiveAmerican FamilyAmerican Family
Good studentVaries (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 driverYes5-10% (55+, completed defensive driving course)
Good driver31% (no tickets or accidents in the last three years)Yes
Pay in full discountYesNo
Multi car10%Yes
MilitaryYesNo
HomeownerYesNo
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

ProgressiveProgressiveAmerican FamilyAmerican Family
Anti-theft deviceYesNo
Anti-lock brakeYesNo
Passive restraintsYesNo
Air bagYesYes
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. Keep in mind your personal situation when making a decision.

Also be aware that American Family only offers coverage in 19 states.

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Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

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