Can't-Miss Facts

  • American Family Insurance is about $500 cheaper annually than Progressive.
  • Progressive offers a few more discounts than American Family.
  • Progressive is more highly-rated than American Family by companies

If you’re here with us today you must be looking for your next, or possibly first insurer. Insurer comparison can be a complicated process. For this reason, we’re going to focus only on American Family vs. Progressive. If you’d like to learn more about Progressive, be sure to read our Progressive Insurance review.

So, American Family vs. Progressive: which company is best in 2021? Let’s find out together. Before we begin in full, though, type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area. You’ll get all of the best quotes from insurers in your area.

American Family vs. Progressive: Which is cheaper?

When you compare insurers, it is logical for you to want to start with what is most important: pricing. Let’s take a look at a table that shows the average annual premiums not only for American Family and Progressive but for all of the main insurers.

Average Annual Auto Insurance Rates by Company
CompanyAverage Annual Rates
State Farm$3,269.80
American Family$3,544.37
Liberty Mutual$6,058.57

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As you can see, of the 10 companies shown, Progressive is cheaper than only four. American Family is cheaper than five: Progressive, Farmers, Travelers, Allstate, and Liberty Mutual.

So, while these companies are comparably priced, considering American Family is less than $500 cheaper than Progressive annually, we can say that American Family wins in terms of pricing. Let’s now move on to the discounts offered by these companies. If you’d like to learn more about American Family, be sure to read our American Family review.

American Family vs. Progressive: Which has better discounts?

If you retain anything from this let it be the importance of discounts. There are a vast amount of discounts you can accrue to chip away at your premiums.

Let’s take a look at a table that will show all of these many discounts and the insurers that provide them.

Auto Insurance Discounts Available by Company
Discounts21st Century Discounts OfferedAAA Discounts OfferedAllstate Discounts OfferedAmerican Family Discounts OfferedAmeriprise Discounts OfferedAmica Discounts OfferedCountry Financial Discounts OfferedEsurance Discounts OfferedFarmers Discounts OfferedGeico Discounts OfferedLiberty Mutual Discounts OfferedMetLife Discounts OfferedNationwide Discounts OfferedProgressive Discounts Offered
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYes
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYes
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYes
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYes
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesNoYes
Driving Device/AppNoYesYesYesNoYesNoYesNoYesYesYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYes
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesYesYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNo
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesNoNoYes
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYes
Further EducationNoNoNoNoYesNoYesYesYesYesYesNoYesNo
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYes
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNo
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYes
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYes
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesNoYesNoNoYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoNoYesNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesNoNoNoNoNo
Newly LicensedNoNoNoNoNoNoNoNoNoYesYesYesYesNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoYesYesNo
On Time PaymentsNoNoYesNoNoNoNoNoNoYesYesYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoYesNoNoYes
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesNoYes
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoNoNoYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesNoYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoYesNoNoNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoYesNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYes“NoNo
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYes
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNo
Switching ProviderYesNoNoYesNoYesNoYesYesNoYesYesNoYes
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYes
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYes

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As you can see, of the 67 discounts shown, Progressive offers 35. American Family, however, only offers 27 discounts.

One great thing about these discounts is the range. There’s a discount for paying your bills on time, to being a safe driver, to having safety features in your vehicle (which is becoming an increasingly common occurrence for newer vehicles) What’s also great is a lot of these discounts are as simple as typing in your Progressive insurance login.

Let’s wrap up with how American Family and Progressive are rated by organizations like A.M. Best and the Better Business Bureau.

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American Family vs. Progressive: Which is more well-reviewed?

When you are comparing insurers, one last thing to be aware of is company ratings from organizations like A.M. Best and the Better Business Bureau (BBB). These ratings can help reassure a consumer that a life insurance company is and will be financially strong.

A.M. Best has a rating scale that ranges up to A++ all the way down to a D rating. Progressive currently has the next highest possible rating: A+. American Family, however, has a lower rating of A.

A.M. Best also has what is called Long-Term Issuer Credit Ratings (Long-Term ICR). Whereas their Financial Strength Ratings are about an insurer’s financial strength as well as its ability to meet ongoing policy and contractual obligations, a Long-Term ICR is focused on the future. A Long-Term ICR can be issued on a long-term basis or short-term basis.

This scale goes from the high end of “aaa” (Exceptional) down to the low end of “c”. It’s a little confusing, so the scale goes like this: “aaa”, “aa”, “a”, “bbb”, “bb”, “b”, “ccc”, “cc”, “c”. A company can also score notches in their ratings, i.e. “aa+”.

American Family score an A.M. Best Long-Term Issuer Credit Rating of “a+”. What Long-Term ICR rating did Progressive get? They received a rating of “a”, so slightly below that of American Family.

As far as the Better Business Bureau is concerned, American Family is not accredited and holds a rating of A. Progressive is also unaccredited but they have the Better Business Bureau’s highest rating of A+.

So, in terms of company ratings, it’s a win for Progressive. This means, all in all, you have great choices here. Still, don’t let your comparison shopping stop with this article. Be sure to type your ZIP code into our free and helpful tool below to find affordable auto insurance quotes in your area.