American Family vs. Progressive Car Insurance (2021)

When it comes to comparing companies, such as American Family vs. Progressive, there are numerous factors to consider. Price is, of course, an important factor and it appears American Family usually has Progressive beat. With that being said, always analyze what each car insurance company can offer you.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 20, 2021

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The Highlights

  • In many states, American Family offers cheaper prices than the state average.
  • Both American Family and Progressive offer programs to assist their insured.

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. Not yet ready to buy car insurance? Read on to learn more.

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.

American Family Average Annual Car Insurance Rates Compared to State Average
StateAmerican Family Average Annual RatesState Average Annual RatesHigher/Lower ($) Than State Average Annual RatesHigher/Lower (%) Than State Average Annual Rates
Alaska$4,153.07$3,421.51$731.5517.61%
Colorado$3,733.02$3,876.39-$143.37-3.84%
Iowa$3,021.81$2,981.28$40.531.34%
Idaho$3,728.79$2,979.09$749.7020.11%
Illinois$3,815.31$3,305.48$509.8213.36%
Indiana$3,679.68$3,414.97$264.717.19%
Kansas$2,146.40$3,279.62-$1,133.22-52.80%
Minnesota$3,521.29$4,403.25-$881.97-25.05%
Missouri$3,286.90$3,328.93-$42.03-1.28%
North Dakota$3,812.40$4,165.84-$353.44-9.27%
Nebraska$2,215.13$3,283.68-$1,068.55-48.24%
Nevada$5,441.18$4,861.70$579.4810.65%
Ohio$1,515.17$2,709.71-$1,194.54-78.84%
Oregon$3,527.28$3,467.77$59.511.69%
South Dakota$4,047.47$3,982.27$65.201.61%
Texas$4,848.72$4,043.28$805.4416.61%
Utah$3,698.77$3,611.89$86.882.35%
Washington$3,713.02$3,059.32$653.7017.61%
Wisconsin$1,513.27$3,606.06-$2,092.80-138.30%
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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.

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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.

American Family Car Insurance Company Ratings
Ratings AgencyAmerican Family Ratings
A.M. BestA
Better Business BureauA
Moody'sN/A
S&PN/A
NAIC Complaint Index0.69
JD PowerClaims Satisfaction 3/5
Shopping Study 4/5
Consumer Reports89
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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.

American Family Average Annual Car Insurance Rates By Coverage Level
Coverage LevelAmerican Family Average Annual Rates
Low$3,368.49
Medium$3,544.37
High$3,416.40
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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.

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What can Progressive Insurance do for you?

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

State By State Average Annual Car Insurance Rates Comparison for Top 10 Companies
StateAllstate Average Annual RatesAmerican Family Average Annual RatesFarmers Average Annual RatesGeico Average Annual RatesLiberty Mutual Average Annual RatesNationwide Average Annual RatesProgressive Average Annual RatesState Farm Average Annual RatesTravelers Average Annual RatesUSAA Average Annual Rates
Alaska$3,145.31$4,153.07$2,879.96$5,295.55$3,062.85$2,228.12$2,454.21
Alabama$3,311.52$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$5,150.03$4,257.87$3,484.63$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$4,904.10$5,000.08$2,264.71$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$4,532.96$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77$3,338.87
Connecticut$5,831.60$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$6,468.92$3,692.81$4,848.98$4,970.26$4,074.05$2,580.44
Delaware$6,316.06$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$7,440.46$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67$2,850.41
Georgia$4,210.70$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88$3,157.46
Hawaii$2,173.49$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28$1,189.35
Iowa$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Idaho$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19$1,867.96$3,226.29$1,877.61
Illinois$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35$3,898.00$2,408.94$3,393.75$1,630.86
Kansas$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$7,143.92$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,998.79$6,154.60$7,471.10$4,579.12$4,353.12
Maine$3,675.59$2,770.15$2,823.05$4,331.39$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$5,233.17$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87$2,744.14
Massachusetts$2,708.53$1,510.17$4,339.35$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$22,902.59$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49$2,066.99$2,861.60
Missouri$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91$2,525.78
Mississippi$4,942.11$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$4,672.10$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74$2,031.89
North Carolina$7,190.43$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66
North Dakota$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53$2,006.80
Nebraska$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71$2,330.78
New Hampshire$2,725.01$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46$1,906.96
New Jersey$5,713.58$7,617.00$2,754.94$6,766.62$3,972.72$7,527.16$4,254.49
New Mexico$4,200.65$4,315.53$4,458.30$3,514.38$3,119.18$2,340.66$2,296.77
Nevada$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New York$4,740.97$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Ohio$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$3,718.62$4,142.40$3,437.34$6,874.62$4,832.35$2,816.80$3,174.15
Oregon$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$3,984.12$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$4,959.45$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,903.43$4,691.85$3,178.01$3,625.49$4,573.08$3,071.34$3,424.77
South Dakota$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23
Tennessee$4,828.85$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$5,485.44$4,848.72$3,263.28$3,867.55$4,664.69$2,879.94$2,487.89
Utah$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83$2,491.10
Virginia$3,386.80$2,061.53$2,073.00$2,498.58$2,268.95$1,858.38
Vermont$3,190.38$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84$1,903.55
Washington$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78$2,262.16
West Virginia$3,820.68$2,120.80$2,924.39$2,126.32$1,984.62
Wisconsin$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53$2,975.74
Wyoming$4,373.93$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55$2,779.53
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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.

Average Annual Car Insurance Rates by Commute Length
Company10 Miles Commute/ 6,000 Annual Mileage Average Annual Rates 25 Miles Commute/ 12,000 Annual Mileage Average Annual Rates
Allstate$4,841.71$4,934.20
American Family$3,401.30$3,484.88
Farmers$4,179.32$4,209.22
Geico$3,162.64$3,267.37
Liberty Mutual$5,995.27$6,151.63
Nationwide$3,437.33$3,462.67
Progressive$4,030.02$4,041.01
State Farm$3,175.98$3,344.01
Travelers$4,399.85$4,469.96
USAA$2,482.69$2,591.91
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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 car insurance quotes, perhaps even from these two companies. Which car insurance company is for you? Find out now.

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