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Progressive and American Family are two of the popular insurance companies in the U.S. Both the insurers have a lot to offer, making it difficult for you to choose between them. However, American Family offers the lowest insurance rates compared to Progressive.

To make insurance shopping easy for you we have gathered quotes from both the insurance companies as well as analyzed the carriers based on several rating factors. Find the right insurance policy for you today.

Key takeaways

  • The state minimum coverage offered by American Family costs $631 per year, and Progressive offers state minimum coverage at $585 annually.
  • The full coverage for American Family costs $1,496 per year and for Progressive at $1,852 per year.
  • For customer service, both American Family and Progressive earned 3.5 out of 5.
  • Pet injury coverage, usage-based/Telematics, mobile app, and accident forgiveness are a few coverage options that American Family provides. While Progressive offers coverages such as vanishing deductible, accident forgiveness, mobile app, and no-drop promise.
  • Multi-vehicle, multi-policy, and safe driver are a few discounts American Family and Progressive offer.

Progressive vs American Family: Which one is the cheapest?

If price is what’s most important, American Family is likely going to be the better choice. American Family usually offers lower rates than Progressive. American Family offers full coverage insurance for an average of $1,496 per year and Progressive provides full coverage for $1,852 annually.

The cost of state minimum coverage from Progressive is $585 per year and American Family offers state minimum coverage for $631 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.

CompanyAverage annual rate for full coverageAverage annual rate for state minimum coverage
American Family$1,496$631

Progressive vs American Family: Rates by age group

American Family has the cheapest insurance rates for most age groups. Insurance companies have different rates depending on your age. They use it as an indicator to determine how much risk a drive poses and then price policies accordingly.

Car insurance rates are higher for teenagers as they are considered high risk by insurers. Teens should consider buying insurance from American Family, as its rates are lower than Progressive. American Family offers insurance for teenagers at an average of $3,611 per year, whereas Progressive provides insurance to teen drivers for $6,238 annually.

Age (group)ProgressiveAmerican Family
Young adults$2,446$1,872

Progressive vs American Family: Rates for high-risk drivers

In our study we found that Progressive is an affordable insurer for most drivers than American Family. Progressive is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $2,233 and American Family's rates after a DUI/DWI offense is $2,398 per year.

When it comes to finding affordable rates for high-risk drivers, Progressive and American Family are two of the best options out there. Although both companies are viable options for high-risk drivers, one may be a better fit for your specific needs. By examining the rates mentioned in the table below, you can make an informed decision about which insurer offers the best rates for your specific situation.

Profile Value (group)ProgressiveAmerican Family
1 At-fault property damage accident over $2K$2,748$1,879
1 At-fault property damage accident under $2K$2,714$1,879
At-fault bodily injury accident$2,760$1,928
Careless driving$2,455$2,118
DUI/DWI first offense$2,233$2,398
Reckless driving$2,537$2,630

Progressive vs American Family: Customer service and tech friendly

For customer service, Progressive earned 3.5 stars out of 5, while American Family earned 3.5 stars.

Which insurance company provides a better online experience? Both Progressive and American Family offer online quotes comparison. Apart from that, they have easy to use mobile apps that allow you to pay bills, view your profile and file insurance claims.

Progressive vs American Family: Which has better coverage options?

Every state has different requirements for car insurance, this is because the laws surrounding driving vary from place to place. However, each insurer offers standard coverage such as liability, comprehensive and collision coverage to make sure you're protected if anything goes wrong.

Both Progressive and American Family have a wide range of coverage options. Below table shows the different coverages offered by Progressive and American Family:

Progressive vs American Family: Which offers better discounts?

Insurance companies offer a variety of discounts to help you save money on your car insurance. While they may not seem like much, these dollar amounts add up to trim your insurance costs. Check out what discount options Progressive and American Family offer to policyholders, and which carrier fits your needs.

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