American Family Insurance vs. Progressive Car Insurance: Expert Recommended (2023)

Searching for service among the many companies that will offer you auto policies, it can be hard to make up your mind. American Family vs. Progressive: which company is the best for you and your needs? If you are looking to find your next car insurance provider then you’ve come to the right place. Today we will be covering and comparing two options: American Family Insurance and Progressive Insurance.

If you’re looking to get more details on American Family Insurance in particular, feel free to read our in-depth review.

For now, feel free to type your ZIP code into our free and helpful tool above to find affordable car insurance rates in your area. You very well may be able to find Progressive and American Family car insurance rates. Having protection for you and your family is crucial when you’re behind the wheel of a vehicle. What happens if you’re not yet ready to buy car insurance? Read on to learn more about the benefits of having an auto insurance policy.

What can American Family Insurance do for you?

When you are comparing insurers, the best place to start is with their pricing structure. Take a look at the table below to see if American Family Insurance is currently offering an attractive price for premiums in your state.

As you can see, it is fairly hit or miss when it comes to American Family being cheaper than state averages. On one hand, it is more expensive than just over half of the states’ averages. On the other hand, take a look at Wisconsin where American Family Insurance is a whopping 138% cheaper than the state average.

Another way to discern what a company can do for you is to analyze any preexisting discounts or programs that are applicable to you. Let’s take a look at American Family’s Dreams Restored Program, which finds the cheapest and most reputable auto body shops in your area.

Let’s move on to another great way to see if a company is for you — their ratings.

How are American Family Insurance’s ratings?

When it comes to rating a company’s credibility, there are two great options. One is A.M. Best and the other is the Better Business Bureau. Up next is a table that shows American Family Insurance’s ratings.

A.M. Best and the Better Business Bureau both gave American Family Insurance an excellent A rating. If you are considering them, this is quite good to know.

Remember how we looked at American Family’s rate by state? Let’s now take a look at rates by coverage type. The more you drive, the higher the risk.

The higher the risk, the higher the premiums. If you drive more, you’ll most likely need a higher coverage level. Let’s take a look at this next table which compares the rates for three coverage levels offered by American Family Insurance.

Now that we’ve gone through American Family Insurance, let’s see how Progressive Insurance fares in comparison. You can also read our Progressive Insurance review to learn more about this company.

What can Progressive Insurance do for you?

Now that we’ve analyzed American Family’s pricing structure, let’s compare it with Progressive’s.

As you can see, in most states the prices are fairly comparable. However, in some states such as Ohio and Wisconsin, Progressive can run you twice the price. This is substantial and goes to show why you should always compare company pricing structures in your state.

Now that we’ve gone through other factors that can alter your premiums, let’s look at commute rates. As we’ve said, the more you drive the higher the risk. The higher the risk, the higher the premium.

As you can see, Progressive is more expensive than American Family when it comes to both 10-mile and 25-mile commutes. As we’ve said, always compare rates.

All in all, it appears that Progressive is going to run you a higher price tag. This is not to say they are worth glossing over. Progressive offers numerous discount programs to lower your premiums, and its A.M. Best rating is A+ (Superior).

When comparing insurers, always ask what they can do for you and your particular situation.

Get a start on comparing rates by typing your ZIP code into our helpful and free tool below to find affordable auto insurance quotes, perhaps even from these two companies. Having proper insurance is a great way to practice safe driving habits, and will make the road a safer place. Which car insurance company is for you? Find out now.