American Family vs Progressive
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American Family vs. Progressive: Which Insurance Provider Is Best for You?
As the owner of Blake Insurance Group, I help clients compare top insurance providers to find affordable and reliable coverage. Two well-known insurers, American Family and Progressive, offer auto, home, and renters insurance, but they differ in pricing, coverage options, claims handling, and customer service.
If you’re deciding between American Family vs. Progressive, this comparison will break down their coverage options, pricing, discounts, claims process, customer service, unique features, availability, and reputation to help you make the best choice.
Coverage Options
Both American Family and Progressive offer standard auto and home insurance policies, but they also provide unique coverage add-ons.
American Family Coverage Options
- Auto Insurance: Liability, collision, comprehensive, uninsured/underinsured motorist, medical payments (MedPay)
- Accident Forgiveness: Available after five years with no at-fault accidents
- Gap Insurance: Covers the difference between the car’s value and loan balance if totaled
- Diminishing Deductible: Reduces your deductible for every year without an accident
- Home Insurance: Covers dwelling, liability, personal property, and loss of use, with add-ons like hidden water damage and equipment breakdown coverage
Progressive Coverage Options
- Auto Insurance: Standard liability, collision, and comprehensive coverage
- Snapshot® Telematics Program: Monitors driving habits for personalized discounts
- Rideshare Insurance: Protects Uber and Lyft drivers
- Custom Parts & Equipment Coverage: Covers aftermarket modifications
- Home Insurance: Standard coverage, but often underwritten by third-party insurers
Key Takeaway: American Family is better for homeowners and drivers who want accident forgiveness and gap coverage, while Progressive is ideal for high-risk drivers and those who prefer telematics-based pricing.
Pricing and Discounts
Pricing varies based on location, driving history, and coverage selections, but Progressive generally offers lower base rates than American Family.
American Family Pricing & Discounts
- Multi-policy discount for bundling auto and home insurance
- KnowYourDrive® Telematics Program rewards safe drivers
- Loyalty and accident-free discounts
- Good student and young driver discounts
Progressive Pricing & Discounts
- Snapshot® Telematics Program offers discounts based on real-time driving behavior
- Multi-car, multi-policy, and continuous insurance discounts
- Homeowner discount (even if you don’t insure your home with Progressive)
- Good student and safe driver discounts
Key Takeaway: Progressive is generally cheaper, especially for high-risk drivers, while American Family offers better discounts for long-term customers and bundling.
Claims Process
A smooth claims process is essential when selecting an insurer. Both American Family and Progressive offer 24/7 claims support, but they differ in their claims satisfaction ratings.
American Family Claims Process
- 24/7 claims support via phone, online, or mobile app
- Diminishing Deductible rewards safe driving
- Strong customer satisfaction for claims resolution
Progressive Claims Process
- 24/7 claims support with online tracking tools
- Concierge repair program offers access to Progressive-approved body shops
- Mixed reviews on claims resolution times
Key Takeaway: American Family ranks higher in claims satisfaction, while Progressive offers more digital claims management tools but has mixed reviews on speed of resolution.
Customer Service
American Family Customer Service
- Agent-based model with personalized support
- Highly rated for customer satisfaction
- Some customers report rate increases after policy renewals
Progressive Customer Service
- Direct-to-consumer model with digital policy management
- AI chatbot assistance available for quick help
- Some customers report difficulty reaching a live agent
Key Takeaway: American Family excels in personalized agent support, while Progressive offers more self-service tools but mixed customer service reviews.
Unique Features
Each company has specialized features that appeal to different policyholders.
American Family Unique Features
- KnowYourDrive® Telematics Program: Rewards safe drivers
- Diminishing Deductible: Lowers your deductible for every year of safe driving
- DreamKeep Rewards Program: Offers discounts on various services and products
Progressive Unique Features
- Snapshot® Telematics Program: Adjusts rates based on driving behavior
- Name Your Price® Tool: Lets customers customize policies to fit their budget
- Rideshare Coverage: Ideal for Uber and Lyft drivers
Key Takeaway: American Family is best for policyholders looking for loyalty rewards and safe driver discounts, while Progressive is ideal for tech-savvy drivers who prefer digital policy management and flexible pricing options.
Availability
- American Family: Available in 19 states, primarily in the Midwest and West.
- Progressive: Available nationwide in all 50 states.
Key Takeaway: Progressive has wider availability, while American Family is limited to specific regions.
Reputation and Reviews
Both companies are financially stable, but they differ in customer satisfaction ratings.
American Family Reputation
- A (Excellent) financial strength rating from A.M. Best
- Above-average customer satisfaction and claims service
- Highly rated for policyholder loyalty and bundling discounts
Progressive Reputation
- A+ (Superior) financial strength rating from A.M. Best
- Highly rated for affordability and pricing flexibility
- Mixed reviews on claims resolution times
Key Takeaway: American Family is better for long-term policyholders who value loyalty programs and agent-based service, while Progressive is preferred for affordability and digital policy management.
Final Verdict: Which One is Better?
The best insurance provider between American Family and Progressive depends on your coverage needs, driving habits, and service preferences.
Choose American Family if:
✔️ You prefer working with a local agent for personalized service
✔️ You want loyalty rewards, accident forgiveness, and diminishing deductibles
✔️ You need comprehensive homeowners insurance bundled with auto coverage
Choose Progressive if:
✔️ You want lower base rates and flexible pricing tools
✔️ You prefer telematics-based discounts with Snapshot®
✔️ You need rideshare insurance or digital policy management
Both American Family and Progressive offer strong coverage and financial stability, but Progressive is better for tech-savvy, budget-conscious drivers, while American Family is ideal for policyholders who value agent support and loyalty rewards.
Still unsure which is right for you? Contact Blake Insurance Group today for a personalized quote and expert advice! 🚗🏡
Related Topics
American Family vs. Progressive - Frequently Asked Questions
Progressive generally offers lower auto insurance rates than American Family. Progressive’s average monthly premium is around $104, while American Family’s average is $117. However, American Family provides better discounts for bundling policies and long-term customers.
American Family consistently ranks above average in J.D. Power’s Auto Insurance Study, particularly for customer service and claims satisfaction. Progressive is highly rated for affordability but has mixed reviews on claims processing.
Both American Family and Progressive provide various discount options:
✔ American Family Discounts: KnowYourDrive® Telematics Program – Discounts for safe driving, Multi-policy and loyalty discounts, Diminishing Deductible for accident-free driving, Young driver and good student discounts.
✔ Progressive Discounts: Snapshot® Telematics Program – Discounts based on real-time driving behavior, Multi-car, multi-policy, and continuous insurance discounts, Homeowner discounts (even if you don’t insure your home with Progressive), Accident forgiveness program.
American Family has higher customer satisfaction ratings for claims handling, while Progressive provides a more digital-driven claims process.
✔ American Family Claims Process: 24/7 claims filing via phone, online, or mobile app, Diminishing Deductible rewards safe drivers, Strong customer satisfaction in claims resolution.
✔ Progressive Claims Process: 24/7 claims support with online tracking tools, Concierge repair program offers access to Progressive-approved body shops, Some customers report delays in claims resolution.
Progressive is better for high-risk drivers, including those with DUIs, speeding tickets, or at-fault accidents. American Family tends to have stricter underwriting guidelines, making it harder for high-risk drivers to get affordable rates.
American Family’s average homeowners insurance rate is around $1,292 per year, while Progressive’s average is $1,512 per year. American Family underwrites its own home insurance policies, whereas Progressive partners with third-party providers.
American Family is known for strong customer service and personalized agent support, whereas Progressive is more digital-focused, offering AI chat assistance and online policy management.
✔ Choose American Family if: You prefer working with an agent for personalized support.
✔ Choose Progressive if: You prefer self-service digital tools and automated assistance.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed