According to the National Association of Insurance Commissioners, Progressive is the second largest auto insurer in the United States. The company holds just over 14% of the market share and wrote nearly $39 billion in direct premiums in 2022. However, none of this means Progressive is always the best option for cheap car insurance.
In this article, we at the MarketWatch Guides Team will examine the average cost of Progressive auto insurance by coverage level, location and several types of driver profiles. We’ve reviewed and ranked the best car insurance companies, so we’ll also highlight a couple of alternatives to Progressive that might be better fits for your budget.
Key Takeaways
- Progressive gets our Low Rates for High-Risk Drivers designation.
- A wide range of discounts help Progressive policyholders save money.
- SnapshotⓇ, the company’s usage-based program, can save good drivers money or raise rates for those who take risks behind the wheel.
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Progressive Insurance Overview
Progressive has been in business since 1937 and offers insurance products in all 50 states. The company holds an A rating from both the Better Business Bureau and credit rating agency AM Best.
In 1997, Progressive became the first insurance company to sell auto coverage online. The company also innovated telematics car insurance by launching the program now known as SnapshotⓇ in 2008. Snapshot, which is available in every state except California, monitors driving habits and rewards safe drivers with discounted premiums.
Our Progressive Review
Our team gives Progressive an overall rating of 9.0 out of 10.0, along with our Best for Tech-Savvy Drivers award. We give the company a perfect 10.0 rating for availability, as it’s available in all 50 states.
We also give Progressive a strong 9.5 rating in the coverage category. Snapshot and add-on coverage options like rental car reimbursement, gap insurance (which covers the difference between what you owe on a car and its value in the event of a total loss), ride-share insurance and accident forgiveness bolster this rating.
Progressive in Our Car Insurance Survey
In August 2022, our team surveyed nearly 7,000 auto insurance customers on their experiences with their providers. Progressive policyholders made up 1,161 of these respondents. The company tied five other companies for fifth place out of 15 companies (the survey also had a four-way tie for fourth place). Progressive earned an overall rating of 4.1 out of 5.0 stars for customer satisfaction.
Here’s a breakdown of how the insurer performed in the survey:
| Aspect Surveyed | Progressive Rating (Out Of 5.0) | Industry Average Rating (Out Of 5.0) |
|---|---|---|
| Overall satisfaction | 4.1 | 4.2 |
| Customer service | 4 | 4 |
| Affordability | 3.7 | 3.7 |
| Coverage selection | 3.9 | 3.9 |
| Claims service | 4.1 | 4.2 |
| Mobile app rating | 4.2 | 4.2 |
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Progressive Car Insurance Cost
According to rate averages from Quadrant Information Services, married 35-year-old drivers with good credit and clean driving records pay an average of $2,030 per year or $169 per month for full-coverage car insurance from Progressive. That’s about 1% more expensive than the national average of $2,008 per year or $167 per month for full coverage.
Full-Coverage Car Insurance Comparison
A full-coverage car insurance policy usually includes state-required liability insurance and collision and comprehensive coverage. Liability coverage pays for other people’s medical bills and property damage when you cause an accident.
Collision coverage helps pay for damage to your vehicle no matter who’s at fault for an accident. Comprehensive insurance protects your car from damage inflicted by non-collision events such as natural disasters, theft and vandalism.
The table below shows how Progressive’s average rates for full coverage compare to other large insurers’ averages. As you can see, several popular providers have lower average rates than Progressive. These averages apply to 35-year-old married drivers with good credit and clean driving records.
| Car Insurance Company | Average Monthly Rate Estimate | Average Annual Rate Estimate |
|---|---|---|
| Nationwide | $119 | $1,433 |
| Erie Insurance | $122 | $1,458 |
| USAA | $126 | $1,512 |
| Travelers | $133 | $1,595 |
| Geico | $133 | $1,596 |
| Auto-Owners Insurance | $135 | $1,619 |
| State Farm | $138 | $1,657 |
| American Family Insurance | $154 | $1,851 |
| Progressive | $169 | $2,030 |
| Allstate | $217 | $2,598 |
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Minimum-Coverage Comparison
If you’re looking for the cheapest car insurance, minimum coverage is your best bet. Just remember that if you have an auto loan or lease agreement, you’ll likely be required to carry a full-coverage policy.
According to our data, minimum coverage from Progressive costs $697 per year or $58 per month on average. This is about 11% above the national average of $627 per year or $53 per month.
Here’s a look at how Progressive compares to other large insurers when it comes to average minimum-coverage rates:
| Car Insurance Company | Average Monthly Rate Estimate | Average Annual Rate Estimate |
|---|---|---|
| Auto-Owners Insurance | $30 | $358 |
| USAA | $32 | $387 |
| Erie Insurance | $33 | $390 |
| Geico | $38 | $461 |
| State Farm | $44 | $523 |
| Nationwide | $44 | $531 |
| Progressive | $58 | $697 |
| Auto Club Enterprises (AAA) | $63 | $754 |
| American Family Insurance | $68 | $810 |
| Allstate | $71 | $854 |
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How Driving Violations Affect Progressive Coverage Costs
Your driving record can have a significant impact on how much you pay for car insurance. Speeding tickets, at-fault accidents, DUIs and other violations increase your premium. We consider Progressive a great option for high-risk drivers because it can be cheaper than other large companies for drivers with certain accidents and violations on their records.
These averages apply to 35-year-old male drivers with good credit.
| Driving Profile | Progressive Average Annual Cost | National Average Annual Cost |
|---|---|---|
| Speeding: 1–5 mph over limit | $2,299 | $2,225 |
| Speeding: 16–20 mph over limit | $2,311 | $2,313 |
| DUI | $2,328 | $3,277 |
| Stop-sign violation | $2,477 | $2,280 |
| One accident | $2,822 | $2,689 |
| Two accidents | $3,977 | $3,761 |
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*Based off 2022 cost information
Progressive Car Insurance Cost by State
The state you live in affects how much you pay for car insurance. State regulations and population density are two key factors insurance companies consider when calculating rates. Here’s a look at the average annual cost of full-coverage car insurance from Progressive across the states and Washington, D.C.
These averages apply to 35-year-old married drivers with good credit and clean driving records:
| State | Progressive Average Annual Cost | State Average Annual Cost |
|---|---|---|
| Alabama | $1,420 | $1,775 |
| Alaska | $2,018 | $1,685 |
| Arizona | $1,721 | $2,008 |
| Arkansas | $2,548 | $2,038 |
| California | $2,077 | $2,313 |
| Colorado | $2,762 | $2,173 |
| Connecticut | $2,096 | $1,919 |
| Delaware | $2,581 | $2,881 |
| District of Columbia | $1,770 | $2,218 |
| Florida | $3,196 | $3,244 |
| Georgia | $2,077 | $1,973 |
| Hawaii | $1,608 | $1,656 |
| Idaho | N/A | $1,402 |
| Illinois | $2,072 | $1,541 |
| Indiana | $1,499 | $1,587 |
| Iowa | $1,725 | $1,563 |
| Kansas | $2,136 | $1,918 |
| Kentucky | $2,538 | $2,522 |
| Louisiana | $3,050 | $3,040 |
| Maine | $1,511 | $1,238 |
| Maryland | $2,077 | $1,833 |
| Massachusetts | $1,776 | $2,430 |
| Michigan | $2,209 | $3,643 |
| Minnesota | N/A | $1,766 |
| Mississippi | $1,212 | $1,658 |
| Missouri | $2,187 | $2,104 |
| Montana | $972 | $1,979 |
| Nebraska | $1,978 | $1,871 |
| Nevada | $2,321 | $2,788 |
| New Hampshire | $1,354 | $1,362 |
| New Jersey | $2,071 | $2,513 |
| New Mexico | $2,169 | $1,943 |
| New York | $1,302 | $2,088 |
| North Carolina | $1,758 | $1,627 |
| North Dakota | $1,984 | $1,916 |
| Ohio | $1,291 | $1,599 |
| Oklahoma | $1,763 | $2,278 |
| Oregon | $1,919 | $1,925 |
| Pennsylvania | $2,273 | $1,981 |
| Rhode Island | $2,272 | $2,357 |
| South Carolina | $2,270 | $1,845 |
| South Dakota | $3,055 | $2,291 |
| Tennessee | $1,716 | $1,524 |
| Texas | $2,850 | $2,205 |
| Utah | $1,688 | $1,928 |
| Vermont | $1,161 | $1,199 |
| Virginia | $2,110 | $1,781 |
| Washington | $1,665 | $1,616 |
| West Virginia | $2,265 | $2,177 |
| Wisconsin | $2,022 | $1,694 |
| Wyoming | N/A | $1,702 |
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*Our data on providers’ average rates in each state includes up to 10 of the most popular providers in each state.
Progressive Car Insurance Cost by Age
A driver’s age plays a big role in determining their car insurance costs. Teen drivers in particular pay much higher premiums than those who have more experience behind the wheel. Here’s a breakdown of how much full-coverage car insurance from Progressive costs on average for drivers of various ages:
| Age | Progressive Average Monthly Cost | Progressive Average Annual Cost |
|---|---|---|
| 16 | $10,139 | $7,581 |
| 25 | $2,243 | $2,336 |
| 35 | $2,030 | $2,008 |
| 45 | $1,904 | $1,923 |
| 55 | $1,679 | $1,767 |
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Progressive Car Insurance Discounts
Although Progressive isn’t always the cheapest option for auto insurance, the company offers a wide variety of discounts that help customers save money. Here are a few ways Progressive customers can unlock savings:
- Multi-policy discount: You can save an average of 5% for bundling Progressive auto insurance coverage with homeowners, renters or another type of insurance.
- Multi-car discount: This discount of 12% on average is for customers who have more than one car listed on their policy.
- Teen driver discount: If you have a driver 18 or under on your policy and have had coverage consistently for 12 months or more, you can save.
- Good student discount: Students who maintain at least a B average can earn average discounts of up to 10%.
- Sign online discount: Signing documents online can save you 9% on average.
- Paperless discount: In conjunction with the sign online discount, going paperless can save you even more money.
- Pay-in-full discount: This discount is for those who pay their full premium up front.
- Automatic payments discount: Setting up automatic payments from a checking account, credit card or debit card can lead to a discount.
Progressive Snapshot Discount
As we mentioned earlier, the Snapshot program monitors driving habits and can save good drivers money on their premiums. Progressive’s website says policyholders who maintain good habits behind the wheel save an average of $156 when they complete the program. Snapshot keeps track of:
- Hard braking
- Severe acceleration
- Late-night trips
- Total driving time
- Phone usage
- Speeding
Unlike some other usage-based programs, Snapshot can raise car insurance premiums for people with poor driving habits.
Factors That Affect Car Insurance Rates
Car insurance companies use an array of factors to set coverage rates. These are the key criteria that determine how much you pay for auto insurance:
- Location: Living in a densely populated area means there are more car accidents and insurance claims. These factors lead to higher car insurance rates than you’ll find in rural areas.
- Age: As mentioned earlier, teen drivers pay higher insurance rates than those 25 or older.
- Driving record: If you have a clean driving history, you’ll pay lower insurance premiums than drivers who have DUIs, speeding tickets and other violations on their records.
- Credit history: In most states, a higher credit score means lower car insurance premiums and vice versa.
- Gender: The gender listed on your driver’s license affects your car insurance prices. Drivers who are listed as males typically pay higher rates.
- Marital status: Married drivers pay lower car insurance premiums than single motorists.
- Type of vehicle: New cars with modern technology and higher values cost more to insure than older cars.
How Much Does Progressive Car Insurance Cost?: Conclusion
Progressive has competitive car insurance rates for high-risk drivers and is an especially good option for drivers with a DUI or speeding ticket on their records. However, the company often isn’t the cheapest provider for those with clean driving records. Progressive’s many discounts and the Snapshot usage-based program give its policyholders chances to save money.
Top Auto Insurance Recommendations
We always recommend comparing car insurance quotes from providers before buying coverage. Along with Progressive, we suggest including State Farm and Geico in your shopping experience.
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State Farm: Best Customer Experience
State Farm is the largest auto insurer in the U.S. and our pick for our Best Customer Experience award. The company has competitive rates, excellent customer service ratings and a strong industry reputation. ™, the company’s usage-based program, can save good drivers up to 30% when they renew their policies.
Compare: State Farm vs. Progressive
USAA: Best for Military Members
USAA is every bit as well known as Progressive and State Farm, and it’s the nation’s fifth largest auto insurer. We like the broad range of discounts and variety of coverage options USAA offers. On average, the company offers affordable rates across all driver profiles. However, USAA is only available to military members.
Compare: USAA vs. Progressive
Progressive Car Insurance Cost: FAQ
Below are frequently asked questions about Progressive car insurance costs.
Geico generally has cheaper car insurance coverage than Progressive. However, Progressive does typically offer lower car insurance rates for high-risk drivers with violations such as a DUI or minor speeding ticket on their records.
Progressive car insurance premiums are paid monthly, every six months or annually. Policyholders can get a discount for paying their entire premium up front.
Yes, Progressive offers a discount for paying your complete premium up front. Savings vary depending on your rate.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hoursresearched
- 45 companiesreviewed
- 8,500+ consumerssurveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.com.
