Progressive vs American Family: Which Company is Best in 2020? | The Zebra The Zebra®
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Progressive or American Family:
Which Company is Best for You?
Choosing an auto insurance company can be tricky: rates can vary based on your driving history, location, and age, and companies offer an array of discounts. Progressive and American Family are among America’s most popular insurance companies, selling high-quality insurance policies across large portions of America.
In an effort to simplify the insurance-shopping process, we’ve pulled average rates from American Family and Progressive. These cover a variety of rating factors, including credit score, driving record, and age. Take a look at these rates and find the perfect policy for you.
Compare Progressive vs. American Family auto insurance rates
Progressive vs. American Family: pricing by credit score
If you have very bad credit, American Family could be the best option for you. Typically, American Family offers lower rates than Progressive for prospective clients with credit scores of lower than 580. Insurance shoppers with extraordinary credit — a score of 800 or higher — should opt for Check out average insurance rates by credit tier for American Family and Progressive below.
CREDIT SCORE INSURANCE RATE COMPARISON: American Family VS. Progressive
|Credit score||Progressive avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$3,602||$1,931|
|Very Good (740-799)||$1,453||$1,009|
Progressive vs. American Family: rates for drivers with bad records
If you have an at-fault collision, ticket, reckless driving citation, or DUI in your recent history, American Family could be a better choice than Progressive. Every car insurance company has different post-violation pricing structures, so don’t be afraid to shop around to find out which insurer suits you.
HIGH-RISK INSURANCE RATE COMPARISON: American Family VS. Progressive
|Violation||Progressive avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$2,720||$1,763|
|At-fault accident (damage > $1,000)||$2,245||$990|
Progressive vs. American Family: rates by age
Insurers rely on a driver’s age as an estimator of risk, pricing policies accordingly. An insurance policy is often most expensive for teens — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because every auto insurance company rates age tiers uniquely, it’s wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose American Family instead of Progressive: the former’s average annual rates are $4,438 less than the latter’s..
COMPARING AUTO INSURANCE RATES BY AGE: American Family VS. Progressive
|Age||Progressive avg. annual premium||American Family avg. annual premium|
Setting aside cost, there are myriad pros and cons of both Progressive and American Family, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||Progressive||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Other Products||Progressive||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Progressive||American Family|
|About||Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents*, you can choose the coverage options that make the most sense to you.||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.|
|Roadside Assistance||Progressive’s Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you’ll need to have Comprehensive and Collision coverage on the vehicle to add Progressive’s Roadside Assistance.||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you’re car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).|
|Additional Discounts||Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.||None Available|
|Recent Questions||Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.
It’s usually recommended to add everyone who lives in the household on the same policy if it’s likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it’s always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what’s covered and what’s not.
|Compare More||Progressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Insurance Progressive vs. Safe Auto Progressive vs. Safeco Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAA||American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Safe Auto American Family vs. Safeco American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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