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

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

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

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, American Family costs an average of $1,698. Progressive costs more at an average of $1,998.

It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on 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 cheapest rates, coming in at $4,515 per year. Progressive costs an average of $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 best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, Progressive is cheaper, with average rates of $2,707.

Take a look at the table below for Progressive rates compared 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 are different in every state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where Progressive and American Family offer the lowest rates. Don't forget to compare quotes from different companies, since 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 a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts Progressive and American Family offer 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 be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.

Progressive vs. American Family: The bottom line

Both Progressive and American Family are good insurance companies, but if cheaper rates are your top priority, American Family might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared the base sample rate.

Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.

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