Compare Progressive vs. American Family Insurance

Progressive and American Family are both well-known names in the insurance industry. Both companies are top auto insurers for 2016. Progressive ranked #9 and American Family ranked #6. Progressive is popular for its wide selection of discounts and unique driver tools. American Family is well-liked for its additional coverage options and Teen Safe Driver program.

However, Progressive often fails to respond to consumer complaints and has limited online learning materials, and American Family only offers auto insurance in select states. Still, both companies share good financial strength and J.D. Power ratings.

So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Progressive American Family
Best If Progressive
  • You want discounts and coverage (even for your pet!) or good-driving rewards
American Family
  • You want many discount options or additional coverage
Worst If Progressive
  • You don’t want a lot of solicitations
American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.

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Comparing quotes is the best way to get the lowest rates from top insurers like Progressive and American Family. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

Progressive American Family
Progressive

Name Your Price Tool

Progressive’s Name Your Price tool lets you choose the best insurance product for your budget. Finding which policy best fits your budget is done with the Name Your Price tool in three simple steps.

  1. Name your price: Tell Progressive your preferred monthly premium for car insurance.
  2. Review: Progressive will generate a policy that closely aligns with your preferred price. In addition, it will highlight any areas where you may fall short on coverage.
  3. Purchase: When you have a policy, you can buy it and get the savings and the protection you need.

Snapshot with Progressive

Snapshot is a small device that plugs into your car’s ODB-II port. It turns on every time you turn on the engine in your car. Once Snapshot installs, it records your driving habits whenever you’re behind the wheel. It then uses what it learns from your driving to determine if you should be paying less for car insurance. Snapshot is a great way for people to save money. All you have to do is drive smart.

Click here to find out more about Snapshot or buy one.

American Family

Teen Safe Driver Program

American Family's home website says its Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance

Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance

This special policy allows classic car owners provides coverage that aligns with the car's value. American Family helps create a personalized policy that gives these cars the protection they need.

Standard Car Insurance Discounts

Bundling Coverage Discounts Progressive American Family
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Progressive American Family
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Progressive American Family
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Progressive American Family
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Progressive American Family
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Progressive American Family
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Progressive Auto Insurance American Family Auto Insurance
2016 77 33
2015 153 32
2014 102 18
2013 34 9

U.S. Auto Insurance Shopping Study (2016)

Progressive Auto Insurance American Family Auto Insurance
Overall Purchase Experience Below average Above average
Policy Offerings Average Above average
Pricing Below average Above average
Local Agent Average Above average
Call Center Representative Average --
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Progressive Auto Insurance American Family Auto Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Average Above average
Appraisal Average Average
Repair Process Below average Average
Rental Car Experience Average Above average
Settlement Average Average

Financial Strength Ratings

Progressive Auto Insurance American Family Auto Insurance
A.M. Best A+ A-
Moody's Aa2 --
S&P's AA A

Mobile Apps

Progressive American Family
Progressive

The Progressive App for iPhone or Android stores all your important information regarding your auto insurance policies. The app lets you access your insurance ID cards, policy details, and allows you to make claims or payments. Additionally, The Progressive App connects you with your agent or claims rep, and offers you 24/7 roadside assistance. Download the Progressive app here.

American Family

My Amfam

American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device. So interacting with your insurance company or agent is just one touch away. Use it to contact or search for nearby agents, file or view an auto claim, and make insurance payments. The My Amfam app is downloadable for iPhone or Android here.

DreamVault

This app lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items. If you need to file a claim, all your information on your belongings is right there in your hands. Download the DreamVault app here

Roadside Assistance

Progressive American Family
Progressive

Progressive Emergency Roadside Assistance

Progressive Emergency Roadside Assistance is for drivers who have non-accident car trouble.

Roadside Services Covered

  • Towing within 15 miles or the nearest repair shop
  • Winching
  • Battery or Jump Start
  • Gas delivery
  • Locksmith service
  • Tire change
  • On scene labor

Note: the number of roadside events covered in a six-month period cannot exceed your policy limit.

Contact Phone Number

Progressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Click here to visit Progressive's Roadside Assistance website.

American Family

American Family Emergency Roadside Service

Service's include. mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, and battery charges. You can also get locksmith services if you’re locked out.

Add this to your existing auto policy for help when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

Call 1 (800) MYAMFAM (1-800-692-6326)