American Family vs. Progressive: Which Car Insurance Is Cheaper?
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UPDATED: May 25, 2021
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- Progressive car insurance rates are cheaper for teen drivers than American Family car insurance rates
- Your driving record and credit score have the most significant impact on your car insurance rates
- Younger drivers pay more for car insurance at American Family and Progressive
When comparing American Family vs. Progressive car insurance quotes, both are more expensive than many of the other top car insurance companies, but you can slash prices down with discounts.
Our guide will take you through detailed auto insurance information about American Family and Progressive to show you which company is cheaper and carries more benefits.
Which company will provide the best and cheapest car insurance for you?
American Family and Progressive are two of the best auto insurance companies in the United States, and we’ll show you the pros and cons of each, plus how to save money on your premium.
Keep reading to compare affordable American Family vs. Progressive car insurance quotes, or enter your ZIP code to start comparing multiple companies in your area.
American Family vs. Progressive Car Insurance: Which company is the cheapest?
If you’re looking for cheap auto insurance, American Family auto insurance rates are much less expensive than Progressive insurance rates.
Both companies have been around for a long time, and they each have impressive market shares. However, your car insurance cost will depend on specific factors.
We’re going to break down the American Family and Progressive auto insurance rates by age, gender, driving record, and credit score so you can get an idea of how much you might pay.
Where you live is also a significant element in determining car insurance rates. It’s worth noting that American Family is not available in all 50 states like Progressive.
Which is cheapest by driving record?
The best method for saving money on car insurance is to maintain a clean driving record. Auto insurance companies may give you up to 27 percent in savings if you have no infractions on your record.
Let’s look at some sample American Family and Progressive car insurance rates based on driving record.
|Driving Record Summary||American Family Average Monthly Rates||Progressive Average Monthly Rates|
|Clean Driving Record||$224||$283|
|With 1 Speeding Violation||$252||$334|
|With 1 Accident||$310||$398|
|With 1 DUI||$361||$331|
Speeding violations have the lowest impact on your driving record, while accidents and DUIs affect your car insurance rates the most. You could pay over $100 more per month when you have violations on your driving record.
Accidents, DUIs, and reckless driving violations can remain on your driving record and insurance record for eight to 10 years.
Your insurance history is collected by the Comprehensive Loss Underwriting Exchange (C.L.U.E.). You can request your record once a year.
Which is cheapest by credit history?
According to Experian, auto insurance companies offer cheaper rates to customers who have good credit. Insurance providers correlate good credit with a lower risk for filing claims.
So what does that mean for customers with fair or poor credit? Let’s compare how American Family and Progressive auto insurance rates are impacted by credit history.
|Credit History Summary||American Family Average Monthly Rates||Progressive Average Monthly Rates|
|Good Credit (670-739)||$224||$302|
|Fair Credit Score (580-669)||$264||$330|
|Poor Credit Score (300-579)||$372||$395|
As you can see, American Family insurance is cheaper, but Progressive car insurance has a lower percentage increase in monthly rates from one credit score tier to the next.
You may live in a state where basing car insurance on credit score is illegal. Be sure to check out our car insurance by state page before judging American Family vs. Progressive car insurance rates based on credit score alone.
Which is cheapest by age and gender?
Usually, your age is indicative of your driving experience. This is why younger drivers pay more for car insurance than older drivers.
American Family and Progressive (and other car insurance companies) will take your age into account when giving you a quote.
Female drivers usually pay less than male drivers, but it’s different for each company and state. Check out the comparisons below to see if American Family or Progressive is more affordable.
|Age, Gender, and Marital Status||American Family Average Monthly Rates||Progressive Average Monthly Rates|
|Married 60-year-old female||$166||$166|
|Married 60-year-old male||$168||$171|
|Married 35-year-old female||$184||$191|
|Married 35-year-old male||$185||$181|
|Single 25-year-old female||$191||$225|
|Single 25-year-old male||$225||$230|
|Single 17-year-old female||$500||$724|
|Single 17-year-old male||$678||$802|
Senior drivers pay the least for auto insurance from both companies. Young and single drivers pay the most for car insurance. Don’t worry, we’re going to talk about how you can get cheaper rates.
American Family vs. Progressive: What car insurance coverages do they offer?
Sometimes it’s best to review all of the coverage types offered by the top car insurance companies to determine which provider will be right for you.
Progressive auto insurance is more costly than American Family, but how do these companies compare when you consider coverage options? Sometimes the cheapest company isn’t the best choice.
Maybe you need something specific, or a wider range of coverage options. We did some research and compiled all the coverages each company provides to its customers.
American Family has three more coverage options than Progressive. However, American Family does not appear to carry a deductible savings bank.
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American Family vs. Progressive Car Insurance: Which company has more discounts?
Another effective way you can save money on auto insurance is through discounts. American Family and Progressive have a few available deals. However, you have to qualify for those discounts before you receive them.
Here’s a comprehensive list of American Family and Progressive auto insurance discounts.
|Car Insurance Discounts||American Family Car Insurance Savings||Progressive Car Insurance Savings|
|Military||25%||Depends on Your State|
|Student Away at School||25%||10%|
|Defensive Driver||10%||Depends on Your State|
|Low Mileage||8%||Depends on Your State|
|Preferred payment||5%||Depends on Your State|
|Home Owner||5%||Depends on Your State|
|Electronic Stability Control||5%||N/A|
|Paid in full||5%||Depends on Your State|
|Provider Switch||5%||Depends on Your State|
|Loyalty||5%||Depends on Your State|
|Paperless documents||3%||Depends on Your State|
|Daytime Running Lights||3%||N/A|
|teenSMART||Depends on Your State||Depends on Your State|
|Accident (Merit) Rating||Depends on Your State||N/A|
|Accident Forgiveness||Depends on Your State||N/A|
|E-billing||N/A||Depends on Your State|
|No lapse in coverage||N/A||Depends on Your State|
|Signing documents when you buy online||N/A||Depends on Your State|
|Starting your auto quote online||N/A||Depends on Your State|
|Prepay||N/A||Depends on Your State|
|Finder||N/A||Depends on Your State|
|Youth Driving||N/A||Depends on Your State|
|Continuous Coverage||N/A||Depends on Your State|
We went over American Family vs. Progressive car insurance rates in the earlier sections. When you add in discounts, the prices will be considerably lower.
Overall, the American Family auto insurance discounts offer more savings compared to the discounts available on Progressive insurance.
American Family vs. Progressive Car Insurance: Financial Strength and Credit Ratings
If you’re into technical details like financial strength and credit ratings, this section will explain everything you need to know about American Family and Progressive.
Financial strength and credit ratings show how well a company manages money. We’ve collected Progressive and American Family insurance ratings from the most reliable agencies and compiled them into the research you see below.
|Agencies||American Family Ratings||Progressive Ratings|
|AM Best||A+ (Stable)||A+ (Stable)|
|Better Business Bureau (Chicago, IL)||A+||A-|
|Moody's||Aa3 (Excellent)||A2 (Good)|
|S&P||AA- (Very Good)||AA (Very Strong)|
|NAIC Complaint Index||1.16||1.33|
|J.D. Power - Power Circle Ratings||About Average||About Average|
A.M. Best, Moody’s, and S&P show excellent ratings for American Family and Progressive, but Progressive has a slight edge.
The Better Business Bureau, Consumer Reports, and J.D. Power rate customer satisfaction, and American Family has Progressive beat in that department.
Finally, the NAIC Complaint Index reveals how frequently a company receives customer complaints. The average complaint score is 1.00 to 1.15. American Family has a slightly better complaint index score than Progressive.
American Family vs. Progressive Car Insurance: Mobile App Ratings
In recent years, mobile app reviews have become more critical to the customer experience. American Family and Progressive both have apps available in the Apple App Store and the Android Google Play Store.
In the App Store, the American Family app has a much better rating than Progressive’s app. However, American Family and Progressive have the same rating in the Google Play Store.
American Family vs. Progressive Car Insurance: The Bottom Line
Should you buy American Family vs. Progressive car insurance? As we’ve discussed, American Family rates tend to be cheaper than Progressive rates, but for some demographics the difference is negligible.
American Family also has more savings available through discounts and slightly better financial and customer service ratings than Progressive.
Now that you’ve compared American Family vs. Progressive car insurance, enter your ZIP code to see quotes from multiple car insurance companies in your area.
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