D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has appeared on legaladvice.com, themanifest.com, and vice.com.

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Apr 29, 2021

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Just the Basics

  • American Family drivers can save up to 29% on their car insurance premiums when they bundle their insurance policies
  • American Family has an A.M. Best rating of A
  • Progressive advertises a 4% savings on car insurance when customers bundle their car insurance policy with another policy
  • Progressive Insurance has an A.M. Best rating of A+

Purchasing a car insurance policy often requires a lot of emotional and physical energy. There are so many car insurance companies and policies on the market, and finding the right one for you can be overwhelming.

To ease the process for you, we compared two top car insurance companies: American Family vs. Progressive. American Family Insurance specializes in property, casualty, and car insurance, while Progressive Insurance focuses mainly on car insurance.

In our American Family vs. Progressive car insurance guide, we compare rates by age, driving record, credit score, and other factors that affect the cost of car insurance.

Keep reading to learn more about American Family vs. Progressive to help you decide which company is best for you.

Before you compare American Family vs. Progressive, enter your ZIP code into our free online tool for affordable car insurance quotes from companies in your area.

What are American Family vs. Progressive car insurance rates?

Where you live, your driving record, age, gender, and more determine whether you will have less or more expensive car insurance rates.

Unfortunately, American Family’s rates are not readily available, so it isn’t easy to compare American Family vs. Progressive auto insurance rates.

However, below are sample monthly and yearly full coverage car insurance rates by state. This will hopefully give you an idea of what you may pay for car insurance in your area.

Average Annual and Average Monthly Full Coverage Auto Insurance Rates
StateAverage Annual Full Coverage Car Insurance RatesAverage Monthly Full Coverage Car Insurance Rates
Alabama$837.09$69.76
Alaska$1,050.09$87.51
Arizona$900.18$75.02
Arkansas$951.75$79.31
California$939.52$78.29
Colorado$1,132.78$94.40
Connecticut$981.77$81.81
Countrywide$1,215.69$101.31
Delaware$1,324.39$110.37
District of Columbia$1,208.77$100.73
Florida$991.25$82.60
Georgia$858.16$71.51
Hawaii$673.13$56.09
Idaho$854.10$71.18
Illinois$728.93$60.74
Indiana$683.67$56.97
Iowa$850.79$71
Kansas$917.49$76.46
Kentucky$1,364.17$113.68
Louisiana$689.12$57.43
Maine$1,096.37$91.36
Maryland$1,107.76$92.31
Massachusetts$689.12$57.43
Michigan$1,264.20$105.35
Minnesota$856.62$71.39
Mississippi$957.59$79.80
Missouri$845.39$70.45
Montana$868.55$72.38
Nebraska$805.99$67.17
Nevada$1,083.42$90.29
New Hampshire$795.50$66.29
New Jersey$1,379.20$114.93
New Mexico$920.42$76.70
New York$1,327.82$110.65
North Carolina$768.28$64.02
North Dakota$768.09$64.01
Ohio$766.66$63.89
Oklahoma$985.58$82.13
Oregon$894.10$74.51
Pennsylvania$950.42$79.20
Rhode Island$1,257.40$104.78
South Carolina$936.69$78.06
South Dakota$744.28$62.02
Tennessee$855.56$71.30
Texas$1,066.20$88.85
Utah$852.66$71.06
Vermont$746.79$62.23
Virginia$836.14$69.68
Washington$952.10$79.34
West Virginia$1,032.45$86.04
Wisconsin$716.83$59.74
Wyoming$844.33$70.36
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It’s always smart to compare companies’ sample car insurance rates as it gives you a better idea of what each company has to offer. It also helps you find the right coverage at an affordable price.

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What are American Family vs. Progressive car insurance discounts?

Because these companies are so diverse in their offerings, the discounts offered by them are also diverse. Below is a list of the different deals offered by both American Family and Progressive.

American Family Car Insurance Discounts

American Family currently offers the following discounts on car insurance:

  • Auto Safety Equipment
  • Away at School
  • Loyalty
  • Defensive Driver
  • Early-Bird
  • Generational
  • Good Driving
  • Good Student
  • KnowYourDrive
  • Low Mileage
  • Multi-Product
  • Multi-Vehicle
  • Steer into Savings
  • Teen Safe Driver
  • Young Volunteer

Drivers can save up to 29% on their car insurance premiums by bundling or adding a discount to their American Family insurance policy.

Progressive Car Insurance Discounts

Progressive markets a discount for drivers that bundle their insurance policies through the company. This discount includes bundling car insurance, home insurance, or renters insurance.

Drivers that take advantage of either of these two bundling options will receive a multi-policy discount on their car insurance policy and can save an average of 4%.

American Family vs. Progressive: Which company has better consumer ratings?

Another good way to find out which company is for you is to compare American Family vs. Progressive consumer ratings. Look at the table below to see how each company was rated in a Consumer Report car insurance study.

American Family vs. Progressive Company Ratings
Rating CategoryAmerican Family RatingsProgressive Ratings
Excellence of Reaching an AgentExcellentVery Good
Simplicity of the ProcessVery GoodVery Good
Promptness of ResponseVery GoodVery Good
Damage AmountVery GoodVery Good
Agent CourtesyExcellentVery Good
Timely PaymentVery GoodExcellent
Freedom to Select Repair ShopVery GoodVery Good
Being Kept Informed of Claim StatusExcellentVery Good
Reader Score8987
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As you can see, both American Family and Progressive are close in Consumer Report rankings.

In J.D. Power’s 2020 U.S. car insurance study on customer satisfaction, American Family tied with GEICO for the highest-ranking car insurance company in the southwest. Out of a 1,000-point scale, Progressive scored an 848, ranking second for the state of Texas.

What car insurance policies are offered by American Family?

American Family has a long list of car insurance policies available to its members. Of course, the company offers different types of car insurance coverage, like collision, comprehensive, and liability insurance.

However, apart from basic coverage, American Family insurance options also include:

  • Underinsured and Uninsured Motorist Insurance
  • Classic Car Insurance
  • Commercial Insurance
  • Rideshare Insurance
  • Gap/Lease & Loan Insurance
  • Medical Payments Insurance
  • 24/7 Roadside Assistance Insurance
  • Accident Forgiveness Insurance
  • Auto Rental Reimbursement Insurance
  • Original Equipment Manufacturer (OEM) Insurance
  • Travel Insurance
  • ForeverCar

American Family’s ForeverCar vehicle service plan covers the extra repair costs in the event of an accident. It’s different from an extended warranty in that it adapts to your needs over time.

For more detailed information on AmFam car insurance discounts, policies, and more, you have to have an American Family insurance login. You can use the same login on amfam.com to make payments, file claims, and order new ID cards.

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What car insurance policies are offered by Progressive?

Similar to American Family, Progressive offers a full range of personal insurance policies. Although the company doesn’t openly advertise it, Progressive does offer a line of business insurance as well.

Let’s take a look at Progressive car insurance policy options. Apart from standard and full coverage car insurance, Progressive car insurance policies include:

  • Classic car insurance
  • Boat insurance
  • Snowmobile insurance
  • ATV insurance
  • Motorcycle insurance
  • Personal watercraft
  • Segway insurance
  • Golf cart insurance

For detailed information on Progressive’s discounts, policies, and more, you have to have a Progressive login. Using a Progressive insurance login, you can also make payments, claims, and new ID cards.

What is American Family Insurance?

American Family Insurance is a private mutual insurance company specializing in car insurance and property and casualty insurance. Additional services offered by American Family include commercial, health, homeowners, and life insurance, as well as investment and retirement-planning services.

American Family is headquartered in Madison, Wisconsin, and serves customers across the United States.

As American Family Insurance is well-known, it’s important to note that it’s a separate company from American Family Care. Although similar in name, the latter is an urgent care practice, while American Family Insurance is a personal and business insurance company.

What is Progressive Corporation?

Progressive Insurance is an insurance company offering car insurance to customers across the United States. Outside of car insurance, the company has an additional 30+ insurance products from which customers can choose and offers a car insurance discount to drivers who bundle their policies.

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American Family vs. Progressive: Which company is best for you?

These two of the best auto insurance companies are close in their wide variety of insurance policies offered, so consider their A.M. Best ratings to help narrow the choice between American Family vs. Progressive:

  • The American Family insurance ratings from A.M. Best is an A.
  • Progressive Insurance has an A.M. Best rating of A+.

As American Family and Progressive are alike, the decision is ultimately up to which company you like best.

Before you buy American Family vs. Progressive car insurance, enter your ZIP code into our free online tool for instant auto insurance quotes from companies in your area.