Progressive vs. American Family: Which offers the cheapest auto insurance rates?

Progressive vs. American Family: Which one is the cheapest?

Progressive costs an average of $549, while American Family has average rates for state minimum coverage of $602.

For full coverage with 100/300/100 liability and $500 deductibles for comprehensive and collision, American Family averages $1,698 per year. Progressive costs more, averaging $1,998 a year.

Always compare quotes because prices and required coverage vary by state and your individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Progressive	$1,998	$549	$709
American Family	$1,698	$602	$870

Progressive vs. American Family: Rates by age group

For teens—one of the most expensive age groups to insure–American Family has the lowest rates at $4,515 per year. Progressive costs more, averaging $7,174 for a teen driver.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest – and therefore most expensive – age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,701 at American Family, while at Progressive the average rate for an adult is $2,009.

Age group	Progressive	American Family
Teens	$7,174	$4,515
Young adults	$3,242	$2,424
Adults	$2,009	$1,701
Seniors	$2,000	$1,813

Progressive vs. American Family: Rates for high-risk drivers

Progressive has the lowest rates for high-risk drivers. A high-risk driver is someone with several speeding tickets, accidents or a serious offense like a DUI on their record. This can make it hard to get affordable car insurance.

For drivers with a DUI, Progressive is more affordable, with average rates of $2,707.

Check the table below to see how Progressive rates compare to American Family rates.

Type of violation	Progressive	American Family
1 At-fault property damage accident over $2K	$3,119	$2,447
1 At-fault property damage accident under $2K	$3,103	$2,447
At-fault bodily injury accident	$3,126	$2,542
Careless driving	$2,936	$2,205
DUI	$2,707	$2,908
Reckless driving	$2,982	$2,805
Speeding	$2,650	$2,321

Progressive vs. American Family: Rates in your state

Insurance rates vary by state. Companies use your ZIP code's weather, crime, and traffic data to assess risk. The table below shows where Progressive and American Family have the lowest rates. Always compare quotes, as your price also depends on your location, driving history, and personal details.

State	Progressive	American Family
Alabama	$2,402	N/A
Alaska	$1,742	N/A
Arizona	$1,903	N/A
Arkansas	$2,431	N/A
California	$2,179	N/A
Colorado	$2,796	N/A
Connecticut	$1,708	N/A
Delaware	$1,999	$2,709
Florida	$2,902	N/A
Georgia	$1,656	N/A
Hawaii	$1,279	N/A
Illinois	$1,412	N/A
Indiana	$1,480	N/A
Iowa	$1,589	N/A
Kansas	$1,937	N/A
Kentucky	$2,714	N/A
Louisiana	$3,065	N/A
Maine	$1,106	N/A
Maryland	$1,895	N/A
Massachusetts	$2,016	N/A
Michigan	$2,069	N/A
Mississippi	$2,131	N/A
Missouri	$1,960	N/A
Montana	$2,414	N/A
Nebraska	$1,964	N/A
Nevada	$2,482	$2,429
New Hampshire	$1,343	N/A
New Jersey	$2,187	N/A
New Mexico	$1,557	N/A
New York	$1,020	N/A
North Carolina	$2,028	N/A
North Dakota	$1,403	$1,092
Ohio	$1,626	N/A
Oklahoma	$1,194	N/A
Oregon	$1,765	N/A
Pennsylvania	$2,193	N/A
Rhode Island	$1,841	$1,833
South Carolina	$1,816	N/A
South Dakota	$3,163	N/A
Tennessee	$1,550	N/A
Texas	$3,032	N/A
Utah	$1,845	N/A
Vermont	$926	N/A
Virginia	$2,120	N/A
Washington	$2,554	$1,750
Washington, D.C.	$1,488	N/A
West Virginia	$1,825	N/A
Wisconsin	$2,128	N/A

Progressive vs. American Family: Which offers better discounts?

Discounts are important to insurance customers and can help you save a lot on your yearly insurance costs. Below are some of the discounts Progressive and American Family give to their customers.

Discounts	American Family	Progressive
Multi policy	9%	9%
Payment type	9%	11%
Days advanced purchase	8%	4%
Daily commute	6%	N/A
Lower annual mileage	3%	5%
Electronic funds transfer	5%	3%
Loyalty	5%	3%
Paperless/electornic documents	5%	1%
Homeowner	4%	4%
Education	N/A	4%
Safety devices	2%	3%
Air bags	2%	1%
Profession	N/A	14%
Marital status	11%	12%
Electronic signature	N/A	10%
Telematics	N/A	10%
Anti-theft device	1%	0%

Always remember to ask about discounts when comparing insurance options to find out what you might qualify for.

Progressive vs. American Family: The bottom line

Both Progressive and American Family are solid insurance companies, but if rates are what matter most to you, American Family may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: