Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 4, 2021

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Key Takeaways

  • American Family drivers can save up to 29 percent 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 percent 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.

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 rates from companies in your area.

American Family vs. Progressive: Which types of coverage are offered?

Finding the right car insurance coverage for your needs is often a tricky process. A basic, car insurance 101 explanation of coverage can help tremendously in deciding which policy is right for you.

Fortunately, almost any type of insurance coverage you’ll need can be found at either of these insurance companies. To help ease your insurance-buying process, we have compared American Family vs. Progressive’s insurance policies below.

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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 basic 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.

American Family also has an A.M. Best rating of A.

American Family has more than enough insurance options to choose from, which overwhelms some buyers when selecting a car insurance policy.

A great place to start so that you aren’t overwhelmed is knowing the minimum state auto insurance requirements for your area.

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 first take a look at Progressive’s personal insurance options.

Progressive Personal Insurance Options

Progressive’s personal car insurance policies consist of car, home, life, health, and specialty insurance coverage.

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

Progressive offers an even greater variety of property, life, and specialty insurance policies outside of car insurance policies. Progressive property policies include:

  • Homeowners insurance
  • Home warranty insurance
  • Home security insurance
  • Homeshare insurance
  • Mobile home insurance
  • Renters insurance
  • Condo insurance
  • Flood insurance

Progressive life, health, and specialty insurance policies include:

  • Term life insurance
  • Dental insurance
  • Health insurance
  • Identity theft protection
  • Pet insurance
  • Phone & electronic device insurance
  • Travel insurance
  • Umbrella insurance
  • Vision insurance
  • Wedding & event insurance
  • Universal life insurance
  • Whole life insurance
  • Final expense life insurance

What about business insurance?

Progressive Business Insurance Policies

In addition to its personal insurance lines, Progressive offers a few business insurance policies. These policies are:

  • Businessowners insurance
  • Commercial car insurance
  • General liability insurance
  • Professional liability insurance
  • Commercial property insurance

Under each of these are more detailed insurance options that help tailor your policy to fit your specific business insurance needs.

Progressive Insurance has an A.M. Best rating of A+.

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.

We highly recommend that you compare American Family vs. Progressive quotes before buying any insurance policy. This will ensure that you get the best insurance policy or policies for your specific needs.

What are American Family vs. Progressive rates?

As with any insurance, car insurance rates are dependent on a range of factors. 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 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 Yearly & Monthly Full Coverage Auto Insurance Rates by State
StateAverage Annual Car Insurance RatesAverage Monthly Car Insurance Rates
District of Columbia$1,208.77$100.73
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
Rhode Island$1,257.40$104.78
South Carolina$936.69$78.06
South Dakota$744.28$62.02
West Virginia$1,032.45$86.04
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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 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 percent on their car insurance premiums by bundling or adding a discount to their American Family insurance policy.

To learn more about American Family Insurance, take a look at our American Family Car Insurance Review.

Progressive Car Insurance Discounts

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

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 Consumer Report 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. These rankings show American Family vs. Progressive’s reliability and help you know which company works best.

In J.D. Power’s 2020 U.S. auto 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 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.

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

Apart from American Family’s various insurance offerings, the company also offers investment and retirement-planning services.

As a private mutual insurance company, American Family exists for the benefit of its shareholders (members). American Family’s policyholders essentially own it, and profits are returned to members as dividends.

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.

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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.

Progressive advertises a 4 percent savings on car insurance when customers bundle their car insurance policy with another policy.

Learn more about Progressive with our Progressive Car Insurance Review.

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

These top car insurance companies are close in their wide variety of insurance policies offered. They also rated similarly in both Consumer Ratings and A.M. Best ratings.

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

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

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